AU Bank Xcite Ace Credit Card

AU Bank has launched three Xcite credit card AU Xcite, AU Xcite Ace, AU Xcite Ultra. We can apply for this credit card on C2C basis with an existing credit card and you will get upgraded version of card with better features and benefits, enhanced credit limit, lifetime free and much more. The card offer upto 3% cashback and it will be directly credited against your outstanding balance. Apart from all such benefits you will get 2 domestic airport lounge and 2 railway lounge access per quarter. The card also provide dining discount, device protection plan, insurance. Let’s read in detail about this credit card.

JOINING FEE
NIL
RENEWAL FEE
NIL
BENEFITS
2 Domestic Airport Lounge & 2 Railway Lounge per calendar quarter.
REWARDS &CASHBACK
1% cashback between 7500-12499. 2% cashback 12500-19999. 3% cashback 20000-25k.

Key Features of AU Xcite Ace Credit Card

Cashback

  • Get 1% cashback on monthly spend of ₹7,500 or more.
  • Get 2% cashback on monthly spend of ₹12,500 or more.
  • Get 3% cashback on monthly spend of ₹20,000 or more.
  • The maximum cashback per statement cycle is capped at ₹750.
  • No Cashback on transaction done on Fuel, Wallet, Rent, Govt. Transaction, EMI, Cash Advances.

Fuel Surcharge Waiver

  • Get 1% Fuel surcharge waiver on fuel transaction between ₹400 to ₹5000 and maximum waiver is Rs.250 per month. Note that you will not get any reward point on fuel spends.

Lounge Access

  • Get complimentary 2 lounge visit per quarter after spending ₹20,000 in current quarter.
  • Get 2 complimentary IRCTC lounge every quarter at kolkata, New delhi, Jaipur, Agra, Ahemdabad railway station.

Rupay Card

  • AU Xcite Ace Credit Card comes under Rupay variant so you can easily linked with UPI and can enjoy seamless transaction without carrying physical card

Fees & Charges

Foreign Currency Markup

  • The card come with high foreign currency markup fee that is 3.5% of total transaction amount. So if you are looking of any international travel & transaction credit card you can choose other cards that have zero or very less markup fee.

Finance Charges & Cash withdrawal Fee

  • Interest rate is 3.5% per month that is 44% per annum.
  • Cash withdawal fee is min Rs.500 upto 2.5% of cash withdrawal amount.

Device Protection Plan

  • Get 1 year complimentary device protection that is screen damage protection plan for mobile phones and tablet and 1 year extended warranty for mobile phones, tablet, laptops.

Eligibility Criteria

  • The applicant age must be 21-60 years for salaried employee and 25-65 years for self employed and he/she should be resident of India. The cardholder should have decent credit score.
  • AU Bank has not mentioned the salary but you need salary atleast more than ₹50k per month.
  • Final Thoughts

AU Xcite Ace Credit Card is a great option for those who have existing credit card and want better version with higher credit limit, great benefits and rewards. But to have this card you should have good credit limit and existing credit card. If you compare the cashback it is quite low, to get 1% cashback you need to atleast spend ₹7500. The cashback you can earn around 1% to 3%. The benefits like domestic lounge access, railway lounge access is quite good. The extended warranty on mobile phones and electrical appliance is impressive. Overall while upgrading if you getter better rewards and benefits then go for it.

  • Frequently Asked Questions
What is maximum cashback can be earn in AU Xcite Ace Credit Card?

The maximum cashback you can earn is ₹750 per statement cycle.

Fuel, Wallet, Rent, Govt. Transaction, EMI, Cash Advances are excluded in cashpoint program.

AU Xcite Ace offer only domestic lounge access.

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