AU Bank Xcite Ace Credit Card
- Updated On: 1 April, 2026
The AU Bank has recently launched the SwipeUp platform and a total of three cards are being issued on this platform as of now. The AU Bank Xcite Ace Credit Card is one of these three cards and comes with great benefits across several categories. It is a lifetime-free card and offers you better cashback benefits, higher credit limits, and better benefits compared to your existing credit card. You can earn up to 3% cashback using this card and this cashback is automatically adjusted against your card’s outstanding balance. Apart from this, you can exciting travel privileges, including free access to the domestic airport as well as railway lounges and complimentary travel-based insurance covers. The Xcite Ace Card also provides you with up to 30% discount on dining, great concierge services, a device protection plan, and many more such advantages. To know more about this card’s features and fees & charges, keep reading:
AU Bank Xcite Ace Credit Card
( 4.5 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
1% cashback on monthly spends of Rs. 7,500, 2% cashback on monthly spends of Rs. 12,500, and 3% cashback on monthly spends of Rs. 20,000.
Welcome Benefits
N/A
Rewards and Benefits
Movie & Dining
Up to 30% discount on dining across more than 300 restaurants.
Rewards Rate
1% cashback on monthly spends of Rs. 7,500, 2% cashback on monthly spends of Rs. 12,500, and 3% cashback on monthly spends of Rs. 20,000.
Reward Redemption
The earned cashback is directly credited to your accounts.
Travel
Complimentary airport and railway lounge access every year.
Domestic Lounge Access
2 Free Domestic Lounge Visits on Spends of ₹20,000 Each Quarter
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
Personal accident cover worth Rs. 50 lakhs, card liability cover worth Rs. 2 lakhs, and purchase protection worth up to Rs. 25,000
Fees & Charges
Spend-Based Waiver
Annual Fee Waiver on Spends of ₹2 Lakh or More
Rewards Redemption Fee
₹99 + GST
Foreign Currency Markup
3.49% of the total amount
Interest Rates
3.75% Per Month, i.e., 45% Annually
Fuel Surcharge Waiver
1% fuel surcharge waiver on all fuel purchases, up to Rs. 250 per month.
Cash Advance Charges
2.5% Subject to a Minimum of ₹100
Product Details
- Get up to 3% cashback on your spending using this card.
- Get complimentary railway lounge access every year.
- Get complimentary airport lounge access every year.
- Save up to 30% on your dining expenses.
- 1% fuel surcharge waiver on all fuel purchases.
- Get a free device protection plan and extended warranty.
AU Xcite Ace Credit Card Features and Benefits
The Xcite Ace Credit card issued by the AU Small Finance Bank is one of the three recently launched cards that are issued on the SwipeUp platform. This card offers quite high reward rates and greater benefits compared to the basic Xcite Card. All its features and benefits are given below in detail:
Airport Lounge Access
You get two complimentary domestic airport lounge access every quarter, i.e., 8 free visits annually.
Railway Lounge Access
- You get 2 complimentary railway lounge access every quarter, i.e., 8 per year.
- The free lounge access can only be availed in selected cities, including New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad, and Agra.
- Supplementary cardholders can also avail of free railway lounge visits (within the above complimentary visits only).
Free Device Protection Plan
- The Xcite Ace Card also offers you a complimentary device protection plan on mobile phones.
- Apart from this, cardholders get a one-year extended warranty on mobile phones, tablets, laptops, and white goods purchases.
Insurance Benefits
The insurance benefits offered with the AU Bank Xcite Ace Card are as follows:
- You get an insurance cover worth Rs. 50 lakhs against air accidents.
- The card offers a purchase protection cover of up to Rs. 25,000.
- You also get a credit shield cover worth up to Rs. 2 lakhs.
- You also get travel-based insurance coverage against lost/delayed baggage, flight delay, loss of passport, etc.
Concierge Benefits
The concierge services offered to AU Bank Xcite Ace cardholders are as follows:
- Customized travel, entertainment, or leisure experiences.
- booking flights/hotels.
- booking golf sessions.
Fuel Surcharge Waiver
- You get a 1% fuel surcharge waiver on all fuel transactions worth between Rs. 400 to Rs. 5,000.
- The maximum waiver per month is capped at Rs. 250 per month using this card.
AU Xcite Ace Card Cashback Benefits
With the AU Bank Xcite Ace Credit Card, you get the following cashback rates on the basis of your total monthly spend:
- Get 3% cashback on net monthly spends worth Rs. 20,000 or more.
- Get 2% cashback on monthly spends worth Rs. 12.500 or more.
- Get 1% cashback on monthly spends worth Rs. 7,500 or more.
- The maximum cashback per statement cycle is capped at Rs. 600.
- Transactions like rent payments, fuel purchases, wallet reloads, etc, are not eligible for cashback.
Bottom Line
The Xcite Ace Credit Card is undoubtedly a great option for those who want to get upgraded to a better credit card with minimal charges. With a zero annual membership fee, the card provides a good cashback rate, great travel privileges, and many more benefits across different categories.
It can be considered a slightly premium version of the Xcite Credit Card, which is also issued via the SwipeUp platform. If you have a mid-level credit card and you want to get a higher credit limit and better cashback rates compared to your existing card, this is probably the best option for you. You can easily compare it with your current card before applying, and if it seems to be beneficial, you should definitely go with this card. If you still have any doubts in your mind, you can freely ask us in the comments below!
FAQs:
What is the annual fee of the AU Bank Xcite Ace Credit Card?
The Xcite Ace Card is lifetime free, i.e. it comes with a zero annual membership fee.
Do I get free airport lounge access with the Xcite Ace Card?
Yes, you get complimentary domestic airport lounge access with this card (2 per quarter).
What is the cash advance fee with the AU Bank Xcite Ace Credit Card?
The cash advance charges of the Xcite Ace Card are 2.5% of the withdrawn amount of a minimum fee of Rs. 100.
Is there any capping on the monthly cashback with the Xcite Ace Credit Card?
Yes, there is a cap of Rs. 750 on the cashback, i.e. you can earn a maximum cashback of Rs. 750 in a month using this card.
6 comments
AFZAL KA
How can I register my mobile phone for device protection plan and one year extended warranty?
AMAY
Can Add on Card holder also avail Airport Lounge access??
Kartik Kanwar
Domestic airport lounge access is offered.
Shubham Jhawar
Hi,
I had one doubt here –
1. Is the 1% monthly cashback applicable only after crossing Rs 7500 or it will be eligible for transaction upto Rs 7500. For example, what if I spend Rs 6000 in 1 statement month. Now, will I receive cashback of Rs 60 or not?
Ashish
Is rewards applicable for insurance premium payment, tds, gst return, itr return or emi payment?? Are these cashback applicable for one shot payment or monthly payment. I meats to get 3% cashback, do i need to payment in single trx or multiple trx allowed.??
Anonymous
Yes, you will receive 60 cashback. But here is tricky one, let’ say If you spend 8000 in month then you will get 1% of 8k only. To get 2% cashback you need to spend atleast 12,500.