AU Xcite Ace
AU Small Finance Bank
Last updated: Feb 03, 2026
₹0
₹0
3.49%
8 visits/yr
Contents
AU Xcite Ace is a lifetime free cashback credit card from AU Small Finance Bank designed for everyday online and offline spends. You earn up to 3% cashback each month based on your total card usage, with statement credit automatically adjusting against your outstanding balance. The card also offers complimentary airport and railway lounge access, fuel surcharge waiver and device protection benefits. It suits users who maintain monthly spends of ₹20,000 or more and want simple, uncapped-category cashback instead of complex reward point conversions.
Features of AU Xcite Ace which makes it unique
Tiered Monthly Cashback Engine
Earn 1%, 2% or 3% cashback based on total monthly spends, without restricting you to narrow merchant categories.
Simple, goal-based cashback that rewards consistent usage across everyday spends.
More flexible than category-only cards that limit rewards to specific merchants.
SwipeUp Upgrade Platform
Available primarily via AU SwipeUp, which upgrades your existing bank’s credit card to an AU Xcite series card.
Higher cashback, better limits and lifetime free pricing when compared with many entry-level cards.
Differentiated upgrade journey versus typical issuer-led cross-sell offers.
Rewards Structure of AU Xcite Ace
Monthly Spends ₹7,500–₹12,499
baseTotal eligible spends between ₹7,500 and ₹12,499 in a billing month.
Cashback is calculated on total monthly spends above ₹7,500 and credited as statement adjustment; rent, fuel, wallet loads, cash advances and certain categories may not earn cashback as per AU usage terms.
Monthly Spends ₹12,500–₹19,999
baseTotal eligible spends between ₹12,500 and ₹19,999 in a billing month.
Higher effective cashback when you cross ₹12,500 monthly spends, excluding non-eligible merchant categories and transactions defined in AU’s fair-usage policy.
Monthly Spends ₹20,000 and Above
baseTotal eligible spends of ₹20,000 or more in a billing month.
Best suited for users consistently spending ₹20,000–₹25,000 or more per month; cashback is flat across eligible categories and credited as statement credit, not as reward points.
Milestones of AU Xcite Ace
Quarterly Lounge Access Eligibility
₹20,000 per calendar quarter : Complimentary domestic airport lounge visits on meeting quarterly spend requirement.
High Spender Advantage
₹25,000+ monthly spends : Earn maximum monthly cashback cap of ₹750 through 3% slab on high spends.
Fees & Charges of AU Xcite Ace
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.49% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Lifetime free credit card with no joining or annual fees.
Fee Explanation Interest of ~3.49% per month on revolved balances. Late payment and overlimit charges are slab-based as per AU Small Finance Bank’s latest Schedule of Charges. Forex markup of 3.49% and cash advance fee of 2.5% (minimum ₹100) apply. Fuel surcharge waiver is 1% up to ₹200 per statement month for Xcite series cards.
Detailed Explanation of AU Xcite Ace Fees
Annual/Renewal Fee: ₹0 (yearly)
Lifetime free; no renewal or annual fee.
Finance Charges: 3.49% per month (~41.88% p.a.) (monthly)
Applicable on unpaid revolving balances and cash advances as per AU Small Finance Bank’s MITC.
Cash Advance Fee: 2.5% (min ₹100) (transaction)
Charged on ATM and over-the-counter cash withdrawals; finance charges apply from the date of transaction.
Foreign Currency Markup: 3.49% (transaction)
Applicable on international POS and online transactions as per Schedule of Charges.
Joining Fee: ₹0 (one-time)
Lifetime free card with no joining fee.
Fuel Surcharge & Waiver: 1% surcharge waiver (monthly)
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at eligible fuel outlets, capped at ₹200 per statement month for Xcite series cards. GST on surcharge is not reversed.
Late Payment Fee: Up to ₹1,300 (statement)
Slab-based late payment charge depending on Total Amount Due, as per latest AU Small Finance Bank Schedule of Charges.
Overlimit Charges: 2.5% of overlimit amount (min ₹500) (statement)
Charged whenever outstanding exceeds assigned credit limit.
Payment Return Charges: 2% of Total Amount Due (min ₹500) (event)
Applicable on returned cheque, ECS, NACH or failed autopay for credit card bill payment.
Reward / Cashback Redemption Fee: ₹99 + GST (redemption)
Nominal fee on each successful redemption/adjustment as per AU Rewardz and card T&Cs.
Lounge Access Benefits with AU Xcite Ace
domestic Lounges
silverVisits per year: 4
Guest access: No
Spend at least ₹20,000 in a calendar quarter on the AU Xcite Ace to unlock complimentary domestic airport lounge access for that quarter, as per AU Small Finance Bank’s spend-based lounge program and partner lounge list.
domestic Lounges
silverVisits per year: 4
Guest access: No
Complimentary railway lounge access at select stations per calendar year, subject to network and program terms published by AU Small Finance Bank.
Insurance Coverage with AU Xcite Ace
Personal Accident Cover
₹50,00,000Complimentary personal accident insurance for primary cardholder, subject to active card usage and AU’s group policy terms.
Credit Card Liability Cover
₹2,00,000Protects against unauthorised transactions after loss or theft of card, as per AU Small Finance Bank’s card liability policy and timely reporting conditions.
Purchase Protection
₹25,000Covers specified high-value purchases made on the card against damage or theft for a limited period from purchase date, as per AU’s purchase protection terms.
Device Protection and Extended Warranty
As per device protection planOne-year screen damage protection for mobiles/tablets and one-year extended warranty on select electronics when purchased using AU credit card and registered under AU’s device protection program.
Additional Features of AU Xcite Ace
Contactless Payments
Tap-and-pay enabled Visa card with NFC support for quick and secure small-ticket transactions.
Per-transaction limits and cumulative caps defined by AU Small Finance Bank and RBI guidelines.
Add-on Cards
Option to issue supplementary cards for family members with shared credit limit.
Age and KYC requirements apply to add-on holders; spends are consolidated in primary card statement.
EMI Conversion
Xpress EMI and Instant EMI options for converting high-value spends into easy monthly instalments.
Processing fee and interest/markup apply as per current EMI schedule; minimum transaction value and eligible categories defined by AU Bank.
Welcome Bonus with AU Xcite Ace
Welcome Bonus: Lifetime free
Bonus Conditions: No separate limited-period welcome offer. Core benefit is lifetime free membership with tiered monthly cashback credited as statement adjustment, subject to category and fair-usage exclusions as per AU Small Finance Bank terms.
Application Process for AU Xcite Ace
Processing Time
Instant eligibility check on AU SwipeUp; physical card dispatch typically within 5–7 working days after approval.
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Visit the AU Small Finance Bank SwipeUp page or app and enter the first six digits of your existing bank’s credit card.
Check eligibility for AU Xcite Ace based on AU Bank’s internal criteria.
Fill in basic KYC and income details and upload PAN, Aadhaar and supporting documents if requested.
Complete e-sign or physical documentation as required and wait for approval notification.
On approval, your AU Xcite Ace virtual card is activated first, followed by physical card dispatch within a few working days.
Required Documents for AU Xcite Ace
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
Existing Credit Card Proof
swipeup_applicantsAccepted documents:
AU Xcite Ace Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India at most POS terminals and online merchants through the Visa network.
International Acceptance
Accepted at international Visa merchants, both in-store and online, subject to forex markup.
Online Acceptance
Supported on major Indian and international e-commerce platforms.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for AU Xcite Ace
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should have a stable income, a clean repayment track record, and generally hold an existing credit card eligible on AU SwipeUp platform.
How Approval Is Decided
- Indian resident aged between 21 and 60 years.
- Stable income and acceptable credit score with a clean repayment record.
- Holding an eligible existing credit card that can be upgraded via AU SwipeUp platform.
- Passing AU Bank’s internal credit and risk assessment.
Pros of AU Xcite Ace
- Lifetime free credit card with no hidden renewal charges.
- Up to 3% monthly cashback with simple slab-based structure.
- Complimentary domestic airport and railway lounge access on meeting spend criteria.
- Good insurance and device protection benefits for frequent shoppers and travellers.
- Available through SwipeUp upgrade for users of other bank credit cards.
Cons of AU Xcite Ace
- Monthly cashback is capped (typically ₹750 per statement month), which limits value for very high spenders.
- Cashback depends on total monthly spends; users below ₹7,500 threshold get limited benefit.
- No direct transfer options to airline or hotel loyalty programs.
- Foreign currency markup at 3.49% is relatively high for frequent international travellers.
- Benefits and fair-usage limits can change over time, so users must track AU’s latest T&Cs.
Frequently Asked Questions about AU Xcite Ace
Is AU Xcite Ace really a lifetime free credit card?
Yes, AU Xcite Ace is issued as a lifetime free credit card through the SwipeUp platform, so there is no joining fee or annual renewal fee. Standard usage charges like interest, forex markup and late payment fees still apply if you revolve or default.
How does the 1%, 2% and 3% cashback structure work on AU Xcite Ace?
Cashback is calculated on your total eligible monthly spends using slabs. When you cross ₹7,500, 1% cashback starts; above ₹12,500 you earn 2% on the higher slab; and above ₹20,000 you earn 3% on eligible spends, subject to an overall monthly cashback cap, which is credited as statement adjustment.
Does AU Xcite Ace offer airport and railway lounge access?
Yes, AU Xcite Ace provides complimentary domestic airport and railway lounge access when you meet AU Bank’s quarterly spending requirement, currently set around ₹20,000 per calendar quarter. Lounge list, visit caps and exact eligibility are governed by the latest AU lounge program terms.
What kind of users is AU Xcite Ace best suited for?
AU Xcite Ace is ideal for users who already hold a credit card from another bank, spend roughly ₹20,000–₹25,000 or more every month across categories, and prefer simple statement cashback over tracking complex reward point conversions or co-branded partner programs.
Does AU Xcite Ace give reward points or direct airline miles?
AU Xcite Ace primarily works as a cashback card. It does not focus on direct airline or hotel point transfers. Savings come from monthly cashback credited to your statement, fuel surcharge waivers, lounge access and insurance benefits rather than a miles-based ecosystem.
Can I use AU Xcite Ace for rent, education or wallet payments?
You can use the card for these transactions, but AU Small Finance Bank applies fair-usage rules and may exclude or partially reward certain categories like rent, fuel, utilities, education and wallet loads from cashback or may levy additional charges above specific thresholds, as detailed in the latest card usage terms.
What is the minimum income and credit profile needed for AU Xcite Ace?
While AU does not publish a strict income grid for Xcite Ace, applicants typically need a stable monthly income (around ₹30,000 or higher), an existing clean credit history and an eligible credit card from another issuer that can be upgraded on the SwipeUp platform.
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