AU Bank Xcite Ace Credit Card
AU Small Finance Bank AU Small Finance Bank

AU Bank Xcite Ace Credit Card

/assest/image/icons/lounge-access.svg Airport Lounge Access
/assest/image/icons/rewards.svg Reward Points
/assest/image/icons/travel.svg Travel
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Joining Fee: ₹0* Plus Applicable Taxes

Renewal Fee: ₹0*Plus Applicable Taxes

Airport Lounge Access Airport Lounge Access
Reward Points Reward Points
Travel Travel
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Joining Fee: ₹0* + Tax

Renewal Fee: ₹0* + Tax

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About AU Bank Xcite Ace Credit Card

AU Bank’s SwipeUp platform now offers three credit cards, including the AU Bank Xcite Ace Credit Card, which comes with a wide range of benefits. This lifetime-free card provides better cashback, higher credit limits, and more perks compared to standard entry-level cards. You can earn up to 3% cashback, which is automatically adjusted against your card’s outstanding balance.

In addition, the Xcite Ace card offers travel privileges such as complimentary access to domestic airport and railway lounges, travel insurance coverage, and concierge services. Cardholders also enjoy up to 30% dining discounts, a device protection plan, and several other benefits. Keep reading to learn more about the card’s features, fees, and charges.

Other Features and Benefits

Cashback Benefits

  • 3% cashback on monthly spends ₹20,000+
  • 2% cashback on monthly spends ₹12,500+
  • 1% cashback on monthly spends ₹7,500+
  • Maximum cashback ₹750 per statement cycle
  • Exclusions: rent payments, fuel, wallet reloads, etc.

Airport Lounge Access

  • 2 complimentary domestic airport lounge visits per quarter (8 per year)

Railway Lounge Access

  • 2 complimentary visits per quarter (8 per year) in select cities – New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad, and Agra
  • Supplementary cardholders can also use these visits

Device Protection

  • Complimentary device protection plan for mobile phones
  • 1-year extended warranty on mobile phones, tablets, laptops, and white goods

Insurance Benefits

  • Air accident coverage up to ₹50 lakhs
  • Purchase protection up to ₹25,000
  • Credit shield cover up to ₹2 lakhs
  • Travel insurance for lost/delayed baggage, flight delays, lost passport, etc.

Concierge Services

  • Customized travel, entertainment, and leisure bookings, including flights, hotels, and golf sessions

Fuel Surcharge Waiver

  • 1% waiver on fuel transactions ₹400–₹5,000
  • Maximum waiver ₹250 per month

Fees and Charges

  • Lifetime free credit card with no joining or annual fees
  • Interest rate: 3.49% per month (41.88% per year)
  • Forex markup fee: 3.49% on international transactions
  • Cash advance fee: 2.5% of withdrawn amount or ₹100 minimum, whichever is higher

Things to Know Before you apply

Get this card if:

  • You want to upgrade from a mid-level or entry-level credit card with minimal charges.
  • You’re looking for higher credit limits and better cashback rates than your existing card.
  • You want travel perks like complimentary airport and railway lounge access.
  • You prefer a lifetime free card with no joining or annual fee.

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For AU Bank Xcite Ace Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

AU Bank Xcite Ace Credit Card Hilights

What do we like about this card?

  • Lifetime free credit card
  • Up to 3% cashback on all spends
  • Complimentary railway lounge access every year
  • Complimentary airport lounge access every year
  • Save up to 30% on dining
  • 1% fuel surcharge waiver on all fuel purchases
  • Free device protection plan and extended warranty

Pros

  • Lifetime free with no joining or annual fees.
  • Up to 3% cashback on monthly spends.
  • Complimentary airport and railway lounge access.
  • Travel and purchase insurance coverage.

Cons

  • Cashback capped at ₹750 per statement cycle.
  • Excludes certain transactions like rent, fuel, and wallet reloads from cashback.
  • Foreign currency markup fee of 3.49% on international spends.
  • Interest rate is 3.49% per month (41.88% annualized).

Au Bank Credit Card Contact Details

  • Contact Address: AU Small Finance Bank Ltd., Head Office: 5th Floor, Metro Plaza, New Sanganer Road, Mansarovar,  Jaipur – 302020, Rajasthan, India
  • Helpline:1800 1200 1500 (Toll-Free, 24x7), creditcard.support@aubank.in
  • Simply SMS: SMS ZENITH to 5676766 to get a callback or apply

Frequently Asked Questions

Everything you need to know about this credit card

Yes, the Xcite Ace Card is lifetime free, meaning it comes with zero annual membership fee.

Yes, you get complimentary domestic airport lounge access, up to 2 visits per quarter.

The cash advance fee is 2.5% of the withdrawn amount, with a minimum charge of Rs. 100.

Yes, there is a monthly cashback cap of Rs. 750, meaning you can earn a maximum of Rs. 750 cashback per month using this card.

Reward points are earned on most transactions except for cash withdrawals, EMIs, insurance payments, and utility bills.

Yes, you can request up to 3 add-on cards linked to your primary Xcite Ace Card.

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