The AU Bank Xcite Credit Card is a lifetime free credit card, meaning there are no joining or annual fees. It offers a generous credit limit along with up to ₹750 cashback per month, which is automatically adjusted in your monthly statement.
In addition to cashback benefits, this card also provides complimentary access to domestic and international airport lounges as well as railway lounge access, making it a great choice for frequent travelers.
Key Highlights of the AU Bank Xcite Ace Credit Card
| Feature | Details |
|---|---|
| Joining Fee / Issue Fee | Life Time Free ✅ |
| Renewal Fee | Zero (No Annual Charges) |
| Best suited for | Shopping & Cashback Rewards 🛒💰 |
| Welcome Benefits | N/A ( No welcome benefits) |
| Cashback | 1% -3 % on eligible spends |
| Card Network | Visa 🌍 |
| Card Type | Cashback Credit Card 💳 |
Table of Contents
AU Xcite Ace Credit Card Benefits and Features
✅ Airport Lounge Access – Enjoy 2 complimentary domestic lounge visits per quarter for a comfortable travel experience. ✈️
🚆 Railway Lounge Access – Get 2 complimentary railway lounge visits per quarter for a relaxing journey.
⛽ Fuel Surcharge Waiver – Save 1% on fuel surcharge across all petrol pumps (Max ₹250 per month).
🌍 Forex Markup Charges – Flat 3.49% on international transactions.
🛡️ Insurance Benefits – Personal accident cover of ₹50 lakh, ensuring financial security in unforeseen circumstances.
👉 For more details, please visit the official AU Bank Credit Card website.
AU Xcite Ace Credit Card: Fees & Charges
| Fee Type | Details |
|---|---|
| Joining Fee (Primary & Add-on Card) | Lifetime Free ✅ |
| AAnnual Maintenance Fee | No Fee |
| CashCash Withdrawal Fee | 2.5% of withdrawal amount or ₹500 (whichever is higher) |
| Fuel Surcharge Waiver | 1% fuel surcharge refund (Max ₹200 per month) (GST on fuel surcharge will not be reversed) |
| Interest-Free Period | Up to 48 days (Only for online transactions, not valid for cash withdrawals) |
| Interest Charges (Revolving Credit) | 3.59% per month (43.08% per annum) + GST |
| Minimum Due | 5% of total bill amount (including previous dues) or ₹100 (whichever is higher) |
| Out Station Check Processing Fee | ₹25 per check |
| Foreign Currency Transaction Markup | 3.49% of the total transaction amount 🌍 |
| Duplicate Physical Statement Fee | ₹100 per request |
| EMI Conversion Charges | Instant EMI – ₹199 + GST |
| Cash Advance Limit | Up to 40% of the total credit card limit 💵 |
AU Xcite ACE Credit Card – Cashback Rewards on Spending
💡 Maximum Cashback: ₹750 per month
🚫 No Cashback on: Rent payments, fuel purchases, and wallet reloads.
| Spending Amount | Cashback Earned |
|---|---|
| Less than ₹7,500 | ❌ No cash back |
| ₹7,500 – ₹12,499 | 1% Flat Cashback |
| ₹12,500 – ₹20,000 | 2% Flat Cashback |
| More than ₹20,000 | 3% Flat Cashback |
AU Xcite ACE Credit Card – Late Payment Charges
💡 Important Notes:
GST is applicable on all charges.
Late payment charges apply if the Minimum Due is not paid by the due date.
| Total Amount Due / Statement Balance | Late Payment Charges |
|---|---|
| ₹100 or less | No Charges ✅ |
| ₹101- ₹500 | ₹100 Fixed Charge |
| ₹501- ₹10,000 | ₹600 Fixed Charge |
| ₹10,001- ₹20,000 | ₹700 Fixed Charge |
| ₹20,001- ₹50,000 | ₹800 Fixed Charge |
| More than ₹50,000 | ₹1,300 Fixed Charge |
AU Xcite Ace Credit Card: Eligibility and Documentation
Eligibility Criteria
If you want to apply for the AU Xcite Ace Credit Card, here are the key requirements:
✅ Age Requirement: You must be at least 18 years old to apply.
✅ Minimum Income Requirement: A regular income from either salary or business is mandatory.
✅ Nationality: Both Indian residents and Non-Resident Indians (NRIs) are eligible to apply.
✅ Existing Debt & Loans: If you have multiple ongoing loans or liabilities, the bank may reject your application.
✅ Credit Score: A credit score of 750+ is considered ideal. Even if you don’t have a credit card, your credit history (e.g., loan repayments) contributes to your score.
💡 Tip: You can check your credit score for free through various financial platforms.
Required Documents
To apply for the AU Xcite Ace Credit Card, you will need the following documents:
📌 Identity Proof (Any one)
- Aadhaar Card
- PAN Card
- Voter ID Card
- Passport
📌 Address Proof (Any one)
- Aadhaar Card
- Voter ID Card
- Passport
- Rent Agreement
- Electricity Bill
📌 Income Proof
- Salaried Individuals: Last 3 months’ salary slips
- Self-Employed: Income Tax Return (ITR) (at least ₹6 lakh per annum)
- Bank Statement: Last 6 months’ bank statement
For detailed information, please visit the official AU Bank website.
AU Bank Xcite Ace Credit Card Customer Care
For any queries related to your AU Bank Xcite Ace Credit Card, you can contact customer support through the following channels:
- Customer Care Helpline: 1800 1200 1200
- Email Support: [email protected]
Frequently Asked Questions (FAQs) for AU Xcite Ace Credit Card
Is the cash withdrawal limit the same for all AU Bank credit cards?
No, the cash withdrawal limit varies by credit card variant. For the Xcite series, the cash withdrawal limit is up to 40% of the total credit card limit.
What is the interest-free period for the AU Bank Xcite Ace Credit Card?
You can enjoy an interest-free period of up to 48 days, applicable only for purchases (not valid for cash withdrawals).
What is the maximum cashback available?
The maximum cashback you can earn per month is 3% or ₹750, whichever is lower.