AU Bank Xcite Ace Credit Card
AU Small Finance Bank
Annual Fee
₹749
Joining Fee
₹749 + GST
Base Reward
1% points
Foreign Markup
3.49% of the total amount
Fee Waiver
Annual Fee Waiver on Spends of ₹2 Lakh or More
Interest Rate
3.75% per month
Product Highlights
- Get up to 3% cashback on your spending using this card.
- Get complimentary railway lounge access every year.
- Get complimentary airport lounge access every year.
- Save up to 30% on your dining expenses.
- 1% fuel surcharge waiver on all fuel purchases.
- Get a free device protection plan and extended warranty.
Rewards
Get up to 3% cashback on your spending using this card. Earn 1% cashback on monthly spends of ₹7,500, 2% cashback on monthly spends of ₹12,500, and 3% cashback on monthly spends of ₹20,000. Save up to 30% on dining expenses across more than 300 restaurants.
Redemption
The earned cashback is directly credited to your accounts.
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
dining | 30%(Up to 30% discount on dining) | No cap |
Benefits & Features
Domestic: 2 Free Domestic Lounge Visits on Spends of ₹20,000 Each Quarter (Complimentary access can only be availed in selected cities.) 2 complimentary domestic airport lounge access every quarter, i.e., 8 free visits annually.
Fees & Charges
Eligibility
Available Networks
Pros & Cons
Pros
- Lifetime free card
- High cashback rates
- Complimentary lounge access
- Device protection plan
- 30% discount on dining
Cons
- Maximum cashback cap of ₹750 per month
- Exclusions on certain transactions for cashback
Additional Info
Maximum cashback per statement cycle is capped at ₹600.
Maximum cashback of ₹750 in a month.
Excluded Categories