AU Bank Xcite Ace Credit Card
AU Bank Xcite Ace Credit Card
Tiered flat cashback structure:
1% on spends Rs. 7,50012,499
2% on spends Rs. 12,50019,999
Personalized Match by CredHunt • credhunt.com
Midtier cashback credit card offering tiered cashback rates based on monthly spending thresholds
Joining Fee
₹0
Annual Fee
₹0
Rating
5.0/5.0(0 reviews)
Key Features
Tiered flat cashback structure:
1% on spends Rs. 7,50012,499
2% on spends Rs. 12,50019,999
3% on spends Rs. 20,00025,000
Maximum cashback of Rs. 750 per statement cycle
Lifetime free
Rewards Program
Base Rewards
Reward Type
N/A
Base Reward Rate
4 CV Points on every ₹200 spent beyond ₹1 lakh per statement cycle
Point Value
₹0.50/pt
Points Expiry
N/A
Bonus Rewards
Welcome Offer
5,000 bonus reward points
Accelerated Rewards
Daily capping of ₹2,500 on SmartBuy rewards; 10X rewards on selected categories
Card Benefits
Travel Benefits
8/year
12 Complimentary domestic lounge accesses each year; 12 Complimentary international lounge accesses each year; 1 Free Night Award on each eligible spend milestone (₹6L, ₹9L, ₹15L in Anniversary Year)
Dining & Entertainment
Not specifically mentioned for dining, cashback applicable if dining is done via specified online merchants
N/A
Lifestyle & Protection
Luxury brand access
Basic lost card liability
N/A
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | N/A |
| Foreign Currency Markup | N/A |
| Cash Advance Fee | N/A |
| APR | N/A |
| Late Payment Fee | N/A |
| Fuel Surcharge | Waiver on fuel transactions of ₹400-₹5,000, max waiver ₹250 per statement cycle |
| Balance Transfer Charges | N/A |
Additional Charges
Statement & Processing
Duplicate Statement Charges
N/A
Dynamic Currency Conversion Fee
N/A
EMI Charges
N/A
Loan Processing Fee
N/A
Outstation Processing Charge
N/A
Additional Fees
Overlimit Fees
N/A
Payment Return Charges
N/A
Railway Ticket Purchase Fee
N/A
Card Reissue Fee
N/A
Rent Pay Transactions
N/A
Rewards Redemption Fee
N/A
Fee Waiver Conditions
Waived if spent ₹25,000 in first 60 days
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
Income proof ₹24L+
Expert Opinion
Premium metal card targeting high-income individuals; benefits may not justify the high annual fee unless zero forex markup and lounge access are priorities
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Experience the premium benefits of the AU Bank Xcite Ace Credit Card today.