AU Bank Xcite Ace Credit Card

  • Joining Fee: Nil
  • Renewal Fee: Nil
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: NA
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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:

New Features

Spend Based Waiver


Interest Rates

3.49% per month

Add-on Card Fee


Rewards Redemption Fee


Fuel Surcharge

1% fuel surcharge waver on all fuel purchases, up to Rs. 250 per month.

Foreign Currency Markup

3.49% of the total amount

Cash Advance Charges

2.5% of the withdrawn amount, subject to a minimum fee of Rs. 100

Movie & Dining

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


Complimentary airport and railway lounge access every year.

International Lounge Access


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.



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

Reward Redemption

The earned cashback is directly credited to your accounts.

Domestic Lounge Access

2 complimentary domestic airport lounge access every quarter.

Zero Liability Protection

The cardholders are not liable for any fraudulent transactions made on a lost/stolen card if the loss is reported to the bank in a timely manner.


No data available


No data available

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