AU Xcite Ace Credit Card
Card Details
Card Details
- Issuer
- AU Small Finance Bank
- Card type
- Entry-level
- Joining fee
- ₹749 + GST
- Annual fee
- ₹749 + GST
- Rewards currency
- Reward Points
Highlights
Highlights
- Up to 3% cashback based on monthly spends
- Domestic airport lounge: 2/quarter (spend-based eligibility applies)
- Railway lounge: 2/quarter
- Annual fee waiver on ₹2 Lakhs spend
Welcome, annual & renewal benefits
Welcome, annual & renewal benefits
- Joining/Annual Fee: ₹749 + GST.
- Annual fee waiver on spends of ₹2 Lakhs or more.
Reward earning
Reward earning
| Monthly spend slab | Cashback |
|---|---|
| ₹7,500+ | 1% cashback |
| ₹12,500+ | 2% cashback |
| ₹20,000+ | 3% cashback |
- Cashback is adjusted/credited against your outstanding balance.
- Forex markup: 3.49%.
Additional Benefits
Additional Benefits
- Domestic airport lounge: 2 visits per quarter on ₹20,000 quarterly spend eligibility.
- Railway lounge: 2 visits per quarter.
- Dining discount: up to 30% at partner restaurants.
- Insurance: personal accident cover ₹50 Lakhs, card liability cover ₹2 Lakhs, purchase protection up to ₹25,000.
- Fuel surcharge waiver: 1% on ₹400–₹5,000 (cap ₹250/month).
Review
Review
Xcite Ace is for people who want simple 'spend X, earn Y%' cashback. It''s best when your monthly spend consistently crosses the higher slabs.