AU BANK XCITE ACE CREDIT CARD

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 โ‚น750 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.ย 

Key Highlights of the AU Bank Xcite Ace Credit Card

AU Xcite Ace Credit Card Benefits and Features

โœ… Airport Lounge Access โ€“ Enjoy 2 complimentary domestic lounge visits per quarter for a comfortable travel experience. โœˆ๏ธ

๐Ÿš† Railway Lounge Access โ€“ Get 2 complimentary railway lounge visits per quarter for a relaxing journey.

โ›ฝ Fuel Surcharge Waiver โ€“ Save 1% on fuel surcharge across all petrol pumps (Max โ‚น250 per month).

๐ŸŒ Forex Markup Charges โ€“ Flat 3.49% on international transactions.

๐Ÿ›ก๏ธ Insurance Benefits โ€“ Personal accident cover of โ‚น50 lakh, ensuring financial security in unforeseen circumstances.

๐Ÿ‘‰ For more details, please visit the official AU Bank Credit Card website.

AU Xcite Ace Credit Card: Fees & Charges

AU Xcite ACE Credit Card โ€“ Cashback Rewards on Spending

๐Ÿ’ก Maximum Cashback: โ‚น750 per month
๐Ÿšซ No Cashback on: Rent payments, fuel purchases, and wallet reloads.

AU Xcite ACE Credit Card โ€“ Late Payment Charges

๐Ÿ’ก Important Notes:

GST is applicable on all charges.

Late payment charges apply if the Minimum Due is not paid by the due date.

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:

โœ… Age Requirement: You must be at least 18 years old to apply.

โœ… Minimum Income Requirement: A regular income from either salary or business is mandatory.

โœ… Nationality: Both Indian residents and Non-Resident Indians (NRIs) are eligible to apply.

โœ… Existing Debt & Loans: If you have multiple ongoing loans or liabilities, the bank may reject your application.

โœ… 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.

๐Ÿ’ก 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:

๐Ÿ“Œ Identity Proof (Any one)

  • Aadhaar Card
  • PAN Card
  • Voter ID Card
  • Passport

๐Ÿ“Œ Address Proof (Any one)

  • Aadhaar Card
  • Voter ID Card
  • Passport
  • Rent Agreement
  • Electricity Bill

๐Ÿ“Œ Income Proof

  • Salaried Individuals: Last 3 months’ salary slips
  • Self-Employed: Income Tax Return (ITR) (at least โ‚น6 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:

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 โ‚น750, whichever is lower.

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