AU Xcite Ace Credit Card
AU Xcite Ace sits as the cashback-focused option within the Xcite SwipeUp lineup — a RuPay card carrying a ₹749 fee that pays back up to 3% through a tiered monthly milestone system: 1% once you cross ₹7,500 of spend, 2% at ₹12,500, and the full 3% at ₹20,000. Spend ₹50,000 in the prior quarter and you also unlock two complimentary domestic airport lounge visits per quarter. There's a 1% fuel surcharge waiver thrown in, and the annual fee disappears if you spend ₹2,00,000 over the year. Compared to the base Xcite card, this is the step up aimed at spenders chasing cashback along with airport lounge perks.
Key features
The features that define this card.
2% on Other
Up to 3% cashback via monthly milestones — 1% on ₹7,500, 2% on ₹12,500, 3% on ₹20,000 of monthly spend, capped ₹600/statement cycle
️ Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
Fee of ₹749 + 18% GST (₹884 all-in)/yr fully waived when you spend ₹2,00,000/year
24x7 Concierge
Dedicated concierge services for travel, dining and event bookings
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹200/month
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
️ Insurance Cover
Air accident cover of ₹50 lakh, credit shield up to ₹2 lakh and purchase protection up to ₹25,000, plus baggage, flight-delay and passport covers and device protection with one-year extended warranty
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | cashback | 2% | ₹600 |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹884 |
| Joining fee (incl. 18% GST) | ₹884 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1%, cap ₹200 |
Perks & benefits
The perks beyond straight cashback are worth about ₹6,300 a year combined.
️ lounge access ~ ₹4,000 /yr
2 complimentary domestic airport lounge visits per quarter on ₹50,000 spend in the previous quarter
️ lounge access ~ ₹1,500 /yr
2 complimentary railway lounge visits per quarter (8 a year) — unconditional, unlike the spend-gated airport visits
fuel waiver ~ ₹800 /yr
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹200 per cycle
️ insurance
Air accident cover of ₹50 lakh, credit shield up to ₹2 lakh and purchase protection up to ₹25,000, plus baggage, flight-delay and passport covers and device protection with one-year extended warranty
concierge
Dedicated concierge services for travel, dining and event bookings
Should you get it?
Best for: Regular monthly spenders wanting cashback, RuPay/UPI users who value airport lounges
Mid tier — dependable for people with consistent monthly spending.
You'll get the most out of it if a large share of your spend falls under "Other" (2% back).
Frequent travelers gain real added value from the included airport lounge access.
✓ Pros
- Milestone cashback reaching up to 3% rewards steady spenders
- Domestic airport lounge access refreshed quarterly
- Railway lounge access (2 visits a quarter) with no spend requirement
- Works with RuPay/UPI and includes a 1% fuel surcharge waiver
✕ Cons
- Both the highest cashback tier and lounge access require hitting specific spend thresholds
- No bonus-category earn rate outside the milestone cashback structure
Eligibility & documents
Age
21 –65 years
Min. income
₹20,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
The routes available for redeeming what you earn.
🎁 Statement credit / cashback adjustment
🎁 Online rewards catalogue (vouchers, merchandise)
What your Cashback are worth
What your cashback is actually worth depending on how it's redeemed — most cardholders never think twice about this, but the difference matters.
Statement credit Direct cash adjustment — no conversion
The concern Because both the top cashback rate and lounge access depend on hitting spend thresholds, anyone who spends lightly won't realize the value the headline numbers suggest.
The bottom line
A straightforward cashback card that rewards consistent spenders. The tiered milestone structure — topping out near 3% — pays off for people who spend steadily, and the quarterly airport lounge access is a real upgrade over the railway-lounge-only base Xcite, as long as you clear the ₹50,000 prior-quarter spend needed to unlock it.
Sources & verification
Fee, reward-rate, and benefit details for the AU Xcite Ace Credit Card are drawn from AU Small Finance Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last verified 7 Aug 2026. Reviewed by the SarvCred Editorial Team. Always confirm the latest details with the issuer before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for AU Small Finance Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Frequently asked questions
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