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1st Year Fee: ₹749* Plus Applicable Taxes
Cashback Benefit
3% Cashback on monthly spends of Rs. 20,000
Lounge Access
2 free domestic lounge visits every quarter
Fuel Benefit
Save up to Rs. 2,400 on fuel every year
Author: Samridhi Srivastava
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AU Xcite Ace Credit Card is an entry-level cashback credit card that offers up to 3% cashback on eligible monthly spends, along with 2 complimentary domestic airport lounge visits every quarter (subject to spending conditions). The card also provides 8 complimentary railway lounge visits per year, a fuel surcharge waiver, and travel insurance benefits.
Apart from its cashback and travel benefits, this AU Bank Credit Card card does not offer many additional features. It lacks lifestyle privileges such as dining, or entertainment, making it more suitable for consumers primarily seeking cashback on everyday spends.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit AU Small Finance Bank’s website.
Cashback Benefits1
Airport Lounge Access
Railway Lounge Access


Annual Fee Waiver
Fuel Surcharge Waiver
Insurance Benefits
| Particulars | Amount |
|---|---|
| Joining Fee | Rs. 749 + Taxes |
| Annual Fee | Rs. 749 + Taxes |
| Finance Charges | 3.75% p.m. (45% p.a.) |
| Late Payment Fee | 15% of Total Amount Due (Minimum Rs. 10, Maximum Rs. 1300) |
You are looking for an entry-level credit card to start your credit journey
You want to earn cashback on your monthly spends
You want to save on your fuel expenses
Cashback3.5/5
Fuel Benefits3.5/5
Lounge Access3.5/5
The AU Xcite Ace Credit Card is a basic cashback credit card for daily expenses. It is suitable for salaried consumers, first-time credit card users, and people who spend around Rs. 20,000 per month to get the 3% cashback benefit. The card also offers domestic airport and railway lounge access, fuel surcharge waiver, and travel insurance benefits.
Everything you need to know about this credit card
Yes. The card offers two complimentary domestic airport lounge visits every quarter if you spend at least Rs. 50,000 in the previous quarter. It does not provide international airport lounge access.
Yes. The annual fee of Rs. 749 plus applicable taxes is waived if you spend Rs. 2 lakh or more in an anniversary year, helping frequent users save on renewal charges.
Transactions such as wallet reloads, rent payments, fuel purchases, education fees, government payments, EMI conversions, BBPS transactions, cash withdrawals, and quasi-cash transactions are not considered for cashback eligibility.
The card offers railway lounge access, domestic airport lounge access, air accident insurance of up to Rs. 50 lakh, credit shield cover, purchase protection, and travel-related covers for baggage, flight delays, passport loss, and hijacking.
Click here to know More Terms and Conditions
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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