What is the AU Bank Xcite Ace Credit Card?

The AU Bank Xcite Ace Credit Card is a lifetime-free credit card launched on the SwipeUp platform, offering up to 3% cashback, travel perks, and dining discounts.

Are there any joining or renewal fees for the AU Bank Xcite Ace Credit Card?

No, the AU Bank Xcite Ace Credit Card is a lifetime-free card, meaning there are no joining or renewal fees whatsoever.

How much cashback can I earn with the AU Bank Xcite Ace Credit Card?

You can earn up to 3% cashback on your monthly spends with the AU Bank Xcite Ace Credit Card, capped at Rs. 750 per statement cycle.

Does the AU Bank Xcite Ace Credit Card offer lounge access?

Yes, the AU Bank Xcite Ace Credit Card provides 2 complimentary domestic airport lounge visits and 2 railway lounge visits per quarter, subject to spend criteria for airport lounges.

What are the dining benefits of the AU Bank Xcite Ace Credit Card?

The AU Bank Xcite Ace Credit Card offers up to 30% discount on dining across more than 300 partner restaurants.

Is there a fee for redeeming rewards on the AU Bank Xcite Ace Credit Card?

Yes, a rewards redemption fee of ₹99 + GST is applicable when redeeming cashback with the AU Bank Xcite Ace Credit Card.

What are the insurance benefits of the AU Bank Xcite Ace Credit Card?

The AU Bank Xcite Ace Credit Card includes Rs. 50 lakhs air accident cover, Rs. 2 lakhs credit shield cover, and Rs. 25,000 purchase protection.

Does the AU Bank Xcite Ace Credit Card provide a fuel surcharge waiver?

Yes, the AU Bank Xcite Ace Credit Card offers a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000, capped at Rs. 250 monthly.

What is the foreign currency markup for the AU Bank Xcite Ace Credit Card?

The foreign currency markup on the AU Bank Xcite Ace Credit Card is 3.49% of the total international transaction amount.

Can I get a device protection plan with the AU Bank Xcite Ace Credit Card?

Yes, the AU Bank Xcite Ace Credit Card offers a complimentary device protection plan for mobile phones and an extended warranty on select electronics.

AU Small Finance Bank

AU Bank Xcite Ace Credit Card

ShoppingTravelDining

Last updated: 16 November 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Not Applicable

Rewards Rate

Earn up to 3% cashback on monthly spends (1% for ₹7,500+, 2% for ₹12,500+, 3% for ₹20,000+), max ₹750/month.

Reward Type

Cashback

Reward Redemption

Cashback is automatically credited to the card account and adjusted against the outstanding balance.

Domestic Lounge Access

2 complimentary domestic airport lounge visits per quarter (8 annually) on minimum spend of ₹20,000/quarter.

International Lounge Access

Not Applicable

Premium Benefits

Concierge services available for booking golf sessions.

Insurance Coverage

Rs. 50L air accident cover, Rs. 2L credit shield, Rs. 25K purchase protection, and travel insurance.

Movie

Not Applicable

Dining

Up to 30% discount on dining across more than 300 restaurants.

Travel Benefits

Complimentary airport & railway lounge access, travel insurance, and concierge for travel bookings.

What matters, explained clearly

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Frequently Asked Questions

Clear, concise answers to help you understand this card better.

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