← Part of AU Small Finance Credit Cards in India
The AU Bank Xcite Ace Credit Card is a lifetime-free cashback card, offering up to 3% cashback on monthly spends and 2 complimentary domestic airport lounge visits per quarter. As of March 2026, AU Small Finance Bank manages over 10 lakh active credit cards across India, including the Xcite Ace variant. This card is designed for Indian residents aged 21-60 years with a CIBIL score ideally between 750 and 900.
| Parameter | Details |
|---|---|
| Card Name | AU Bank Xcite Ace Credit Card |
| Issuer | AU Small Finance Bank |
| Card Type | Cashback Credit Card |
| Platform | SwipeUp (for upgraded credit cards) |
| Joining Fee | Zero (Lifetime Free) |
| Annual Membership Fee | Zero (Lifetime Free) |
| Cashback Rate | Up to 3% cashback on monthly spends above ₹20,000 |
| Monthly Cashback CAP | ₹750 per month |
| Domestic Airport Lounge Access | 2 complimentary visits per calendar quarter (requires ₹20,000 spend in previous quarter; effective April 10, 2026, requires ₹50,000 spend in a calendar quarter for next quarter access) |
| Railway Lounge Access | 8 complimentary visits per annum (maximum 2 per calendar quarter) |
| Dining Discounts | Up to 30% discount on dining |
| Device Protection Plan | 1-year complimentary screen damage protection for mobiles/tablets; 1-year extended warranty for mobiles, tablets, laptops, and white goods on eligible purchases |
| Interest Rate | 3.59% per month (43.08% annually) |
| Cash Advance Fees | 2.5% of the cash amount (Minimum ₹500) |
| Cash Advance Withdrawal Limit | Up to 40% of the card limit |
| Foreign Currency Transaction Fee | 3.49% |
| Add-on Cards | Up to 3 add-on cards available, linked to primary card |
| EMI Conversion | Convert eligible credit card transactions into EMIs |
| Card Liability Cover | Zero liability on fraudulent transactions after reporting loss |
| Primary Applicant Age | 21 to 60 years |
| Supplementary Applicant Age | Minimum 18 years |
| Residency | Resident of India |
| Credit Score | Ideally between 750 and 900 CIBIL score |
| Identity Proof (Documents) | Aadhaar card, Passport, PAN card |
| Address Proof (Documents) | Utility bill, Passport, Voter ID |
| Income Proof (Documents) | Salary slips, Bank statements, IT returns |
The Xcite Ace Credit Card offers a full suite of benefits, positioning IT as a strong contender for users seeking cashback rewards and travel perks without annual fees.
AU Small Finance AU Bank Xcite Ace Credit Card in India
The AU Bank Xcite Ace Credit Card is a lifetime-free cashback card, offering up to 3% cashback on monthly spends of ₹20,000 or more, capped at ₹750 per month. As of 2026, IT provides complimentary domestic airport lounge access twice per quarter and eight railway lounge visits annually.
| Type/Category | Details | Key Feature |
|---|---|---|
| Credit Card Name | AU Bank Xcite Ace Credit Card | Mid-tier variant in the Xcite series, issued on the SwipeUp platform |
| Annual Membership Fee | Zero | Lifetime free card (no joining or renewal fees) |
| Cashback Rate | Up to 3% cashback | Applicable on monthly spends of ₹20,000 or more |
| Cashback CAP | ₹750 per month | Maximum cashback benefit per statement cycle |
| Domestic Airport Lounge Access | 2 complimentary visits per quarter | Requires minimum spend of ₹50,000 in the previous calendar quarter (effective April 10, 2026) |
| Railway Lounge Access | 8 complimentary visits per annum | Maximum 2 visits per calendar quarter |
| Dining Discounts | Up to 30% discount | Available at partner restaurants |
| Device Protection Plan | 1-year complimentary screen damage protection for mobiles/tablets | Includes 1-year extended warranty for eligible electronic purchases |
| Travel Insurance | Complimentary travel-based insurance covers | Includes coverage for flight delay, baggage loss, flight hijack, and passport loss up to ₹50,000 |
| Interest Rate | 3.59% per month | Equivalent to 43.08% annually on outstanding balances |
| Cash Advance Fees | 2.5% (Minimum ₹500) | Charged on cash withdrawals from ATMs |
| Cash Advance Withdrawal Limit | Up to 40% of the card limit | Maximum amount that can be withdrawn as cash |
| Foreign Currency Transaction Fee | 3.49% | Applicable on all international transactions |
| Eligibility: Age (Primary) | 21 to 60 years | Applicant must be a resident of India |
| Eligibility: Age (Supplementary) | Minimum 18 years | Add-on cards available for family members |
| Eligibility: Credit Score | Ideally between 750 and 900 CIBIL score | A strong credit history is for approval |
| Required Documents (Identity) | Aadhaar card, Passport, PAN card | One document required for identity verification |
| Required Documents (Address) | Utility bill, Passport, Voter ID | One document required for address verification |
| Required Documents (Income) | Salary slips, Bank statements, IT returns | Proof of income is mandatory for credit limit assessment |
| Add-on Cards | Up to 3 add-on cards available | Linked to the primary cardholder’s account |
| EMI Conversion | Convert eligible transactions into EMIs | Flexible repayment options for large purchases |
| Card Liability Cover | Zero liability on fraudulent transactions | Applicable after reporting card loss or theft to the bank |
The AU Bank Xcite Ace Credit Card offers a strong set of features for everyday spending and travel, positioning IT as a strong contender in the lifetime-free credit card segment in India for 2026.
AU Small Finance AU Bank Xcite Ace Credit Card in India
The AU Bank Xcite Ace Credit Card is a lifetime-free cashback card, offering up to 3% cashback on monthly spending and complimentary domestic airport lounge access. As of 2026, IT is issued via AU Small Finance Bank’s SwipeUp platform, targeting individuals seeking d rewards and travel benefits.
| Metric | Value | Source |
|---|---|---|
| Card Name | AU Bank Xcite Ace Credit Card | AU Small Finance Bank |
| Card Type | Cashback Credit Card | AU Small Finance Bank Credit Cards – Apply Online & Benefits |
| Issuer | AU Small Finance Bank | AU Small Finance Bank |
| Platform | SwipeUp | AU Bank Xcite Ace Credit Card Review – Card Maven |
| Annual Membership Fee | Zero (Lifetime Free) | AU Bank Xcite Ace Credit Card: Features, Fees & Apply Online |
| Joining Fee | Zero (Lifetime Free) | AU Bank Xcite Ace Credit Card: Features, Fees & Apply Online |
| Cashback Offer | Up to 3% cashback on ₹20,000+ monthly spends | AU Small Finance Bank Credit Cards – Apply Online & Benefits |
| Cashback CAP | ₹750 cashback per month | Xcite Ace Credit Card-World of Indulges & Cashbacks| AU Smal |
| Domestic Airport Lounge Access | 2 complimentary visits per quarter (on ₹20,000+ spend in previous quarter; ₹50,000 from April 10, 2026) | AU Bank Xcite Ace Credit Card Review – Card Maven |
| Railway Lounge Access | 8 complimentary visits per annum (max 2 per calendar quarter) | Xcite Ace Credit Card-World of Indulges & Cashbacks| AU Smal |
| Foreign Currency Transaction Fee | 3.49% | AU Bank Xcite Ace Credit Card Feature and Fees |
| Interest Rate (Monthly) | 3.59% | AU Bank Xcite Ace Credit Card Feature and Fees |
| Interest Rate (Annually) | 43.08% | AU Bank Xcite Ace Credit Card Feature and Fees |
| Cash Advance Fees | 2.5% (Minimum ₹500) of the cash amount | AU Bank Xcite Ace Credit Card Feature and Fees |
| Cash Advance Withdrawal Limit | Up to 40% of the card limit | AU Bank Xcite Ace Credit Card Feature and Fees |
| Dining Discount | Up to 30% | Discover AU Bank Xcite Ace Credit Card- Features & Tips |
| Device Protection Plan | 1-year complimentary screen damage protection for mobiles/tablets; 1-year extended warranty for select electronics | AU Bank Xcite Ace Credit Card Review – Card Maven |
| Complimentary Insurance Covers | ₹50,000 for flight delay, baggage loss, flight hijack, passport loss | AU Small Finance Bank |
| Add-on Cards | Up to 3 add-on cards available (linked to primary card) | Xcite Credit Card- Enjoy Upgraded Experience | AU |
| EMI Conversion | Convert eligible credit card transactions into EMIs | AU Small Finance Bank |
| Card Liability Cover | Zero liability on fraudulent transactions after reporting loss | AU Small Finance Bank |
| Primary Applicant Age | 21 to 60 years | Discover AU Bank Xcite Ace Credit Card- Features & Tips |
| Supplementary Applicant Age | Minimum 18 years | Discover AU Bank Xcite Ace Credit Card- Features & Tips |
| Residency Requirement | Resident of India | Discover AU Bank Xcite Ace Credit Card- Features & Tips |
| Ideal CIBIL Score | 750 to 900 | AU Bank Xcite Ace Credit Card Feature and Fees |
The Xcite Ace Credit Card provides a strong value proposition for users prioritizing cashback and travel benefits without incurring annual fees, making IT a competitive option in the Indian market.
How AU Small Finance AU Bank Xcite Ace Credit Card in India Works
The AU Bank Xcite Ace Credit Card operates as a lifetime-free cashback card, offering up to 3% cashback on monthly spends exceeding ₹20,000, capped at ₹750 per month. This card provides d benefits over the basic Xcite variant, including complimentary lounge access and full device protection.
IT is issued via AU Small Finance Bank’s SwipeUp platform, designed for both existing AU Bank customers and individuals holding credit cards from other issuers.
- Cashback Structure: Cardholders earn up to 3% cashback on monthly spends above ₹20,000, with a maximum cashback of ₹750 per month.
- Lifetime Free Card: The Xcite Ace Credit Card has zero annual membership fees, zero joining fees, and no renewal charges, making IT a lifetime-free offering.
- Complimentary Lounge Access: Users receive 2 complimentary domestic airport lounge visits per quarter, provided they spend at least ₹20,000 in the previous calendar quarter.
- Railway Lounge Access: The card also grants 8 complimentary railway lounge accesses per annum, limited to a maximum of 2 visits per calendar quarter.
- Device Protection Plan: A 1-year complimentary screen damage protection for mobiles/tablets is included, along with a 1-year extended warranty for eligible purchases of mobile phones, tablets, laptops, and other white goods.
- Dining Discounts: Cardholders can avail up to 30% discount on dining at partner establishments across India.
- Travel Insurance Covers: Complimentary travel-based insurance covers are provided, including up to ₹50,000 for flight delays, baggage loss, flight hijack, or passport loss.
- EMI Conversion: Eligible credit card transactions can be converted into convenient Equated Monthly Installments (EMIs) for easier repayment management.
- Add-on Cards: Up to 3 add-on cards can be issued, linked to the primary card, allowing family members to share benefits.
- Fraud Liability Cover: The card includes zero liability cover for fraudulent transactions, provided the loss is reported promptly to the bank.
The card’s features are managed through the AU 0101 app, ensuring transparent updates and easy access to card details and benefits.
AU Small Finance AU Bank Xcite Ace Credit Card in India
The AU Bank Xcite Ace Credit Card, launched on the SwipeUp platform, offers d cashback benefits and travel privileges compared to the basic Xcite Card. As of 2026, IT is a lifetime-free card with no annual or joining fees, making IT an attractive option for Indian residents.
- Cashback Benefits: Cardholders can earn up to 3% cashback monthly on total card usage, with a CAP of ₹750 per month on spends exceeding ₹20,000.
- Lounge Access: The card provides 2 complimentary domestic airport lounge visits per quarter. , IT offers 8 complimentary railway lounge accesses per annum, limited to 2 per calendar quarter.
- Device Protection: A 1-year complimentary screen damage protection for mobile phones and tablets is included. IT also offers a 1-year extended warranty for eligible purchases of mobile phones, tablets, laptops, and other white goods.
- Dining Discounts: Users can avail up to 30% discount on dining expenses at partner establishments across India.
- Travel Insurance: Complimentary travel-based insurance covers are provided, including up to ₹50,000 for flight delays, baggage loss, flight hijack, or passport loss.
- EMI Conversion: Eligible credit card transactions can be converted into convenient Equated Monthly Installments (EMIs).
- Add-on Cards: Up to 3 add-on cards can be issued, linked to the primary card, allowing family members to share benefits.
- Foreign Currency Fee: A foreign currency transaction fee of 3.49% applies to international purchases.
The AU Bank Xcite Ace Credit Card aims to provide a full suite of benefits for everyday spending and travel, supported by AU Small Finance Bank’s digital platforms.
AU Small Finance AU Bank Xcite Ace Credit Card in India
The AU Bank Xcite Ace Credit Card is a lifetime-free cashback card, offering up to 3% cashback on monthly spends and complimentary lounge access. IT targets Indian residents aged 21-60 years with a CIBIL score ideally between 750 and 900.
| Feature | AU Bank Xcite Ace Credit Card | AU Bank Xcite Credit Card (Base Variant) | AU Bank Xcite Ultra Credit Card (Premium Variant) |
|---|---|---|---|
| Card Type | Cashback Card | Basic Credit Card | Premium Rewards Card |
| Annual Fee | Zero (Lifetime Free) | Zero (Lifetime Free) | Zero (Lifetime Free) |
| Cashback/Reward Rate | Up to 3% cashback on total monthly spending (capped at ₹750/month) | Up to 15 Reward Points per ₹100 spent (1 RP = ₹1) | Up to 8 Reward Points on domestic, 12 RP on international transactions per ₹100 |
| Domestic Airport Lounge Access | 2 complimentary visits per quarter (requires ₹20,000 spend in previous quarter, changing to ₹50,000 from April 10, 2026) | Not explicitly mentioned for airport lounges | 2 complimentary visits per quarter (requires ₹20,000 spend in previous quarter, changing to ₹50,000 from April 10, 2026) |
| Railway Lounge Access | 8 complimentary visits per annum (max 2 per calendar quarter) | 8 complimentary visits per annum (max 2 per calendar quarter) | Complimentary Railway Lounge Access |
| Device Protection Plan | 1-year complimentary screen damage protection for mobiles/tablets; 1-year extended warranty for eligible electronics | Complimentary device protection for mobiles, tablets, laptops, and select electronics | Complimentary device protection on mobile phones; 1-year extended warranty for eligible electronics |
| Dining Benefits | Up to 30% discount on dining | Up to 30% discount on dining across over 300 partnered restaurants | Exclusive stay offers with Alaya Stays (e.g., Stay for 3, Pay for 2) |
| Foreign Currency Transaction Fee | 3.49% | Not specified | Not specified |
| Cash Advance Fees | 2.5% (Min. ₹500) of the cash amount | Not specified | Not specified |
The Xcite Ace Credit Card offers a balanced mix of cashback, travel benefits, and device protection, positioning IT as a strong mid-tier option within AU Bank’s Xcite credit card series.
Common Misconceptions About AU Small Finance AU Bank Xcite Ace Credit Card in India
The AU Bank Xcite Ace Credit Card is a lifetime-free card, meaning IT carries zero annual or joining fees. Many applicants mistakenly believe IT requires a high annual spend for fee waivers, which is not the case for this specific card.
Understanding the card’s actual features helps in maximizing its benefits, such as the up to 3% cashback on monthly spends over ₹20,000.
- Misconception: All Xcite cards have annual fees. The AU Bank Xcite Ace Credit Card is lifetime-free, unlike some other credit cards that may charge an annual membership fee of ₹249 plus taxes.
- Misconception: Cashback is unlimited. While the card offers up to 3% cashback on spends over ₹20,000, IT has a monthly CAP of ₹750, which is clearly stated in its terms.
- Misconception: Lounge access is unconditional. Complimentary domestic airport lounge access (2 per quarter) requires a minimum spend of ₹20,000 in the previous calendar quarter. Effective April 10, 2026, this minimum spend will increase to ₹50,000 per quarter for the Xcite Ultra card, but the Ace card’s terms should be verified.
- Misconception: All transactions earn cashback. Cashback is not earned on certain transactions, including cash withdrawals, EMI conversions, insurance payments, and utility bill payments.
- Misconception: Credit limit is fixed. The credit limit for the Xcite Ace Credit Card is variable, determined by factors like the applicant’s income, repayment capacity, and credit history, rather than a standard fixed amount.
Verifying specific terms and conditions directly from AU Small Finance Bank ensures accurate understanding of the Xcite Ace Credit Card’s benefits and limitations.
What to Do Next: Actionable Steps
Applying for the AU Bank Xcite Ace Credit Card in 2026 requires meeting specific eligibility criteria, including an age range of 21 to 60 years for primary applicants and a CIBIL score ideally between 750 and 900. The application process can be completed online via the AU Bank SwipeUp platform or by visiting a branch.
Here are the steps to apply for the AU Bank Xcite Ace Credit Card:
- Verify Eligibility: Ensure you are a Resident of India, aged 21-60 years, with a CIBIL score between 750 and 900. Supplementary card applicants must be at least 18 years old.
- Gather Documents: Prepare identity proof (Aadhaar, Passport, PAN card), address proof (Utility bill, Passport, Voter ID), and income proof (salary slips, bank statements, IT returns).
- Apply Online: Visit the official AU Small Finance Bank website or the SwipeUp platform to initiate your application. The SwipeUp platform allows existing credit card holders from other banks to apply.
- Complete Application Form: Fill in all required personal, financial, and employment details accurately on the online application form.
- Submit Documents: Upload scanned copies of your required documents through the online portal. For offline applications, submit physical copies at an AU Small Finance Bank branch.
- Await Approval: AU Small Finance Bank will review your application and documents. Approved cards are typically activated within 37 days of issuance, as per RBI guidelines.
Key Takeaways
- The AU Bank Xcite Ace Credit Card is a lifetime-free card with no annual or joining fees.
- IT offers up to 3% cashback on monthly spends over ₹20,000, capped at ₹750 per month.
- Cardholders receive 2 complimentary domestic airport lounge visits per quarter and 8 complimentary railway lounge accesses annually.
Check your eligibility and apply for the AU Bank Xcite Ace Credit Card directly on the official AU Small Finance Bank website or via their SwipeUp platform.
Frequently Asked Questions (FAQs)
What are the main benefits of the AU Bank Xcite Ace Credit Card?
The AU Bank Xcite Ace Credit Card offers up to 3% cashback on monthly spending, complimentary domestic airport and railway lounge access, and travel insurance. IT also provides up to 30% dining discounts and a device protection plan. This card is a lifetime-free option from AU Small Finance Bank.
What are the eligibility criteria for the AU Bank Xcite Ace Credit Card?
Applicants for the AU Bank Xcite Ace Credit Card must be Indian residents between 21 and 60 years old. Supplementary cardholders need to be at least 18 years old. Meeting these criteria is for approval.
Does the AU Bank Xcite Ace Credit Card offer airport lounge access?
Yes, the AU Bank Xcite Ace Credit Card provides two complimentary domestic airport lounge visits per quarter within India. This benefit travel convenience for cardholders. IT also includes railway lounge access.
What is the AU Bank SwipeUp platform?
AU Bank SwipeUp is an online platform for upgrading to new, lifetime-free Xcite credit cards, including the Xcite, Xcite Ace, and Xcite Ultra variants. IT s a card-to-card application process. This platform allows existing credit cardholders to transition to an AU Bank Xcite card.
What device protection benefits come with the Xcite Ace Credit Card?
The Xcite Ace Credit Card includes a one-year complimentary screen damage protection for mobile phones and tablets. IT also offers a one-year extended warranty for mobile phones, tablets, laptops, and other white goods purchased using the card. This coverage adds significant value to electronic purchases.
Are there any fuel surcharge waivers with the AU Bank Xcite Ace Credit Card?
Yes, the AU Bank Xcite Ace Credit Card offers a 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000. This waiver applies across all fuel stations in India. The maximum waiver is capped at ₹150 per statement cycle.
Can I get an add-on card for the AU Bank Xcite Ace Credit Card?
Yes, AU Small Finance Bank offers add-on cards for the Xcite Ace Credit Card, allowing you to extend its benefits to family members. This feature helps manage household expenses. The supplementary card applicant must be a minimum of 18 years old.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.