AU Bank Xcite Ace Credit Card

The AU Bank Xcite Ace Credit Card, provided by AU Small Finance Bank, is a versatile credit card tailored to offer customers a multitude of benefits and convenient payment options.

This credit card enables you to make seamless transactions for goods and services at various merchants, both online and offline.

The Xcite Ace Credit Card is seamlessly integrated with AU Bank’s online banking platform, providing you with easy access to manage your card account. This includes checking your balance, reviewing transactions, and making payments online.

For a detailed exploration of these benefits and more, continue reading to discover how the Xcite Ace Credit Card enhances your overall banking experience.

Benefits and Features of AU Bank Xcite Ace Credit Card

Benefits and FeaturesAU Bank Xcite Ace Credit Card
Welcome BenefitsN/A
Cashback/Rewards PointsEnjoy 1% cashback on monthly spends of Rs. 7,500.
Earn 2% cashback on monthly spends of Rs. 12,500.
Receive a generous 3% cashback on monthly spends of Rs. 20,000.
Travel BenefitsRevel in the luxury of complimentary airport and railway lounge access each year, enhancing your travel experience.
Dining BenefitsIndulge your taste buds with up to a 30% discount on dining across a network of more than 300 restaurants.
Domestic Lounge AccessMake your wait more comfortable with 2 complimentary domestic airport lounge accesses every quarter, providing a touch of luxury to your travels.
International Lounge AccessN/A
Movie BenefitsN/A
Insurance BenefitsGet personal accident cover worth Rs. 50 lakhs, card liability cover worth Rs. 2 lakhs, and purchase protection worth up to Rs. 25,000.
*terms and conditions are applied for every credit card, kindly check the official website of AU Small Finance Bank

Airport Lounge Access

You get 2 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.

Eligibility for the AU Bank Xcite Ace Credit Card

To check the eligibility for the AU Bank Xcite Ace Card, kindly read the AU Bank Xcite Ace Credit Card Eligibility Blog post

Fees & Charges of AU Bank Xcite Ace Credit Card

Fees & ChargesAU Bank Xcite Ace Credit Card
Joining feeNil
Annual feeNil
Fee waiverAnnual Fee Waiver – 1% fuel surcharge waiver on all fuel purchases, up to Rs. 250 per month.
Fuel surcharge1% fuel surcharge waiver on all fuel purchases, up to Rs. 250 per month using this credit card.
*terms and conditions are applied for every credit card offer, kindly check the official website of AU Small Finance Bank

How to Apply for AU Bank Xcite Ace Credit Card

You can apply online or offline for this AU Small Finance Bank Credit Card.

Online – Visit AU Small Finance Bank’s official website and apply for this credit card.

Offline – You can visit the nearest AU Small Finance Bank branch with all the necessary documents.


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