AU Bank Xcite Ace Credit Card

The AU Bank Xcite Ace Credit Card is part of AU Small Finance Bank’s SwipeUp platform of credit cards, positioned as a lifetime free cashback and rewards card designed for everyday spenders who want simple cashback, travel privileges, and lifestyle perks without any annual or joining fees. The card offers tiered cashback on monthly spends, lounge access opportunities, and additional value through shopping and travel benefits — appealing to consistent spenders looking for a no-fee card with tangible returns.

AU Bank Xcite Ace Credit Card

Joining Fees	₹ 0
Annual Fees	₹ 0
Card Type	Cashback
Network Type	Rupay

Rewards & Benifits

Up to 3% cashback on total monthly spends based on slab: 1% (>= ₹7,500), 2% (>= ₹12,500), 3% (>= ₹20,000) – max ₹750 cashback per statement cycle
1% fuel surcharge waiver on eligible fuel transactions (₹400–₹5,000), capped per statement cycle
Complimentary domestic airport lounge access (typically 2 per calendar quarter) on meeting spend criteria
Complimentary railway lounge access (2 per calendar quarter) in select cities
Device protection plan on eligible smartphone purchases
Extended warranty on mobile phones, tablets, laptops, and white-goods purchased using the card
Up to 30% dining discounts at partner restaurants
Travel and purchase insurances including air accident cover, purchase protection, and more

Fees & Charges

Joining Fee: ₹0 (Lifetime Free)
Annual Fee: ₹0 (Lifetime Free)
Cash Advance Fee: 2.5% of amount withdrawn (or as per bank’s schedule)
Foreign Currency Markup Fee: 3.49% of transaction amount on forex spend
Late Payment Charges: As per bank’s Schedule of Charges
Over-limit Charges: As per bank’s Schedule of Charges

Card Details

Lifetime free credit card — no joining or annual fees
Tiered cashback up to 3% based on monthly spend slabs
Complimentary lounge access — domestic airport & railway lounges on qualifying spends
Device protection plan and extended warranty benefits
Dining discounts with partnered restaurants
Fuel surcharge waiver on eligible fuel spends
Travel-related and purchase insurance benefits

Pros & Cons

Lifetime free — no joining or annual fee
Up to 3% cashback on total monthly spends
Complimentary airport & railway lounge access on qualifying spends
Dining discounts and lifestyle benefits
Device protection and extended warranty coverage
Fuel surcharge waiver

Cashback capped at ₹750 per statement cycle
Cashback only applies after crossing monthly spend slabs
Some benefits (lounge/waivers) depend on spend thresholds
High foreign currency markup may not suit frequent international travellers
Specific exclusions for cashback (e.g., rent/payment wallets) may apply per terms

ELIGIBILITY CRITERIA
Official page does not list specific eligibility requirements — exact age, income, residency and documentation criteria are not specified on the official page.

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WELCOME BENIFITS

No welcome or joining bonuses are mentioned on the official AU Bank page for this card. — No welcome benefits listed on the official page.

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CARD REVIEW
The AU Bank Xcite Ace Credit Card is a lifetime free cashback credit card designed for everyday spenders who are comfortable meeting monthly spend slabs to unlock up to 3% cashback. It provides solid value with its tiered cashback structure, complimentary lounge access and lifestyle perks like device protection and dining discounts. The absence of joining or annual fees increases its appeal for moderate to heavy spenders. However, the cashback cap and spend thresholds may limit value for light spenders. Additionally, higher foreign currency transaction charges and spend exclusions could be downsides for international use or certain categories. Overall, as a no-fee card with both cashback and travel benefits, it is suited to regular spenders seeking straightforward rewards without extra cost.

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

AU Bank Xcite Ace Credit Card