AU Small Finance Bank
AU Xcite ACE Credit Card
This is an invite only card
Top Benefits
Earn Up to 3% Cashback on Monthly
spends milestones to earn 1% cashback at ₹7,500, 2% at ₹12,500 and 3% at ₹20,000, capped at ₹600 per statement cycle
Enjoy up to 8 Complimentary Railway Lounge
visits per year maximum 2 per calendar quarter at select railway stations
Best For
Shopping
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹884 ( ₹749 + GST )
Annual Fees
₹884 ( ₹749 + GST )
Eligibility
Age
Criteria*
25-65 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- Up to 3% cashback on monthly spends via milestones 1% on ₹7,500, 2% on ₹12,500, 3% on ₹20,000; capped at ₹600 per statement cycle
- 2 complimentary domestic airport lounge visits per quarter on ₹50,000 spends in the previous quarter
- 8 complimentary railway lounge visits per year max 2 per quarter
- Complimentary device protection plan and 1-year extended warranty
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
N/A
Redemption Options
This is a cashback card, and the earned cashback is adjusted directly in your monthly statement
To check redemption catalogue
N/A
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Wallet Load
Cash
Rent
Education
Government Services
EMI
Fuel
Quasi Cash Transactions
For Spends Waiver
Wallet Load
Cash
Rent
Education
Government Services
EMI
Fuel
Quasi Cash Transactions
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.49% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.49% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable | 2.5% |
Reward Redemption Fees No fee is charged, cashback is auto-adjusted in the monthly statement | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% minimum ₹99 per transaction applies on international rental transactions | 1% |
cheque Payment Fees A fee of 2% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees No Cash Payment is charged | Not Applicable |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1,000 | ₹400 |
| ₹1,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1100 |
| Above ₹50,000 | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Top Benefits
Earn Up to 3% Cashback on Monthly
spends milestones to earn 1% cashback at ₹7,500, 2% at ₹12,500 and 3% at ₹20,000, capped at ₹600 per statement cycle
Enjoy up to 8 Complimentary Railway Lounge
visits per year maximum 2 per calendar quarter at select railway stations
The smartest way to find your great credit card
We value your time and privacy. Your details stay secure and are used only to help you.
Company
We value your time and privacy. Your details stay secure and are used only to help you.