AU Small Finance Bank
AU Bank Xcite Ace Credit Card
Annual Fee
₹884₹749 + GSTBase Reward
1% points
Foreign Markup
3.49% of the total amount
Product Highlights
- 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.
Category Rewards
dining
Up to 30% discount on dining
30%
Fee Waiver
Annual Fee Waiver on Spends of ₹2 Lakh or More
Reward Calculator
Earns ₹1,276/year (net)
Modest gain. Solid hold if you like the perks.
₹19K
across all your buckets
₹2.2K
direct cashback
₹2.2K
via direct credit
Effective rate
0.95%
Annual fee
₹884
Year 1 net
+₹1,276
Year 2+ net
+₹1,276
ongoing
Adjust your spend by reward bucket
4 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
wallet reloads, cash, rent, education, government, emi, fuel, bbps, quasi cash
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Get up to 3% cashback on your spending using this card. Earn 1% cashback on monthly spends of ₹7,500, 2% cashback on monthly spends of ₹12,500, and 3% cashback on monthly spends of ₹20,000. Save up to 30% on dining expenses across more than 300 restaurants.
Redemption
The earned cashback is directly credited to your accounts.
Benefits & Features
Domestic: 2 Free Domestic Lounge Visits on Spends of ₹20,000 Each Quarter (Complimentary access can only be availed in selected cities.) 2 complimentary domestic airport lounge access every quarter, i.e., 8 free visits annually.
Pros & Cons
Pros
- Lifetime free card
- High cashback rates
- Complimentary lounge access
- Device protection plan
- 30% discount on dining
Cons
- Maximum cashback cap of ₹750 per month
- Exclusions on certain transactions for cashback
Additional Info
Maximum cashback per statement cycle is capped at ₹600.
Maximum cashback of ₹750 in a month.
Excluded Categories
Partner Merchants
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Fees & Charges
Eligibility
Networks
Fee Waiver
Annual Fee Waiver on Spends of ₹2 Lakh or More