AU Small Finance Bank
AU Xcite Ace Credit Card
Data last verified: 11 October 2026
- Joining fee₹749 + GST
- Annual fee₹749 + GST
- Reward rate2% on most spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹749 + GST
- Annual fee₹749 + GST
- Fee waiverOn ₹2 lakh spend a year
- Forex markup3.49%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹100 a month
01AU Xcite Ace Credit Card Rewards and Benefits
02AU Xcite Ace Credit Card Annual Fee and Charges
- Joining fee
- ₹749 + GST
- Annual fee
- ₹749 + GST
- Spend-based waiver
- Annual fee waived on ₹2 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.49%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹100 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 2%₹400
- Back each month, ₹4,800 a year₹400
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹4,800
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Spending ₹16,667 or more a month: the ₹884 fee is waived
- Flyers: 8 airport lounge visits a year
Skip it if…
- you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹884 fee is then charged
- most of your spending is fuel, rent, education or wallet top-ups: those earn nothing on this card
- you often pay in foreign currency: 3.49% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04How AU Xcite Ace Credit Card earns Rewards
2% on most spends. The normal rate is capped at ₹600 a month.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 2% | No cap | The card's normal rate |
| Online shopping | 2% | No cap | The card's normal rate |
| Dining and food delivery | 2% | No cap | The card's normal rate |
| Groceries | 2% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 2% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 2% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 2% | No cap | The card's normal rate |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 2% | No cap | The card's normal rate |
| Everything else | 2% | No cap | The card's normal rate |
Terms on the base rate. Up to 3% cashback via monthly milestones, 1% on ₹7,500, 2% on ₹12,500, 3% on ₹20,000 of monthly spend, capped ₹600/statement cycle
05AU Xcite Ace Credit Card Lounge Access and Travel
Domestic lounge access is 8 visits a year. Railway lounges: 8 visits a year. Spend Rs 50,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.49% forex markup; rewards on it: 2% back (the normal rate). See what it costs on your trip
Also on the card. concierge service, fuel surcharge waiver, insurance cover, airport lounge access.
- Concierge service: Dedicated concierge services for travel, dining and event bookings
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹100 per cycle since 1 October 2026 (₹200 before)
- Insurance cover: Air accident cover of ₹50 lakh, credit shield up to ₹2 lakh and purchase protection up to ₹25,000, plus baggage, flight-delay and passport covers and device protection with one-year extended warranty
- Airport lounge access: 2 complimentary domestic airport lounge visits per quarter on ₹50,000 spend in the previous quarter
- Airport lounge access: 2 complimentary railway lounge visits per quarter (8 a year), unconditional, unlike the spend-gated airport visits
06AU Xcite Ace Credit Card Eligibility and Documents
- Age
- 21 to 65 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
07Recent Changes
What AU Small Finance Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Oct 2026 | Reduced: Fuel surcharge waiver cap cut from ₹200 to ₹100 a monthSource: AU Small Finance Bank | 1% waiver, capped at ₹200 per statement month | 1% waiver, capped at ₹100 per statement month |
| 1 Jul 2026 | Reduced: Fuel fair-usage terms tightened, trigger halved, levy on the whole aggregateSource: AU Small Finance Bank | 1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 | 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000 |
| 14 Jun 2026 | Reduced: New 1% fair-usage charge on transportation spendsSource: AU Small Finance Bank | No transportation fair-usage charge | 1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower |
| 10 Apr 2026 | Reduced: Airport-lounge spend-gate raised ₹20,000 → ₹50,000/quarterSource: AU Small Finance Bank | ₹20,000 previous-quarter spend for 2 domestic lounge visits | ₹50,000 previous-quarter spend for 2 domestic lounge visits |
| 10 Apr 2026 | Reduced: Transportation spends stop earning cashbackSource: AU Small Finance Bank | Transportation spends earned milestone cashback | No cashback on transportation MCCs |
See this card's change history → · All card changes in October 2026 →
08Cards Similar to AU Xcite Ace Credit Card
AU Xcite Ace Credit Card is a cashback card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | AU Xcite Ace Credit Card |  HSBC Live Plus Credit Card |  Kiwi Credit Cards |
|---|---|---|---|
| Joining fee | ₹749 + GST | ₹999 + GST | Lifetime free |
| Annual fee | ₹749 + GST | ₹999 + GST | Lifetime free |
| Rewards | 2% on most spends | 1.5% base, up to 10% on dining | 1% base, up to 1.5% on UPI payments |
| Domestic lounge | 8 visits a year | 2 visits a year | Not included |
| Forex markup | 3.49% | 1.99% | 3.5% |
| Type | Cashback | Dining | Cashback |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
What is the joining fee for the AU Xcite Ace Credit Card?
The joining fee is ₹749 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the AU Xcite Ace Credit Card?
The annual fee is ₹749 + GST.
Does the AU Xcite Ace Credit Card give airport lounge access?
Yes. Domestic lounge access is 8 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with AU Small Finance Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
