AU Xcite Ace Credit Card
AU Small Finance Bank · Open to apply
A ₹749 cashback card of AU's SwipeUp Xcite series: cashback of 1%, 2% or 3% of the month's spend once it reaches ₹7,500, ₹12,500 or ₹20,000, up to ₹600 a statement, with 2 domestic lounge visits a quarter on ₹50,000 of spend and 8 railway lounge visits a year.
- Annual fee
- ₹749 + GST a year
- Joining fee
- ₹749 + GST
- Fee waiver
- Annual fee waived on ₹2,00,000 spend per card year
- Base rate
- Monthly spend cashback, 1% at ₹7,500, 2% at ₹12,500, 3% at ₹20,000 (up to ₹600 a statement): 0% cashback up to ₹7,499; 1% cashback up to ₹12,499; 2% cashback up to ₹19,999; 3% cashback above ₹19,999 (about 0% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter after ₹50,000 spend; Railway: 8 visits a calendar year
- Forex markup
- 3.49%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- Monthly spend cashback, 1% at ₹7,500, 2% at ₹12,500, 3% at ₹20,000 (up to ₹600 a statement)
- No cashback on wallet, cash, rent, education, government, EMI and fuel
Where the sources disagree
- Domestic lounge access: The headline says complimentary airport lounge access without a condition; the detail text and the 10 April 2026 usage terms need ₹50,000 of spend in the previous quarter. We use the condition.
Terms the calculator does not value
- The page does not say whether 1%, 2% and 3% apply to the whole statement's eligible spend once a threshold is reached (read so here) or only to a slice of it, or whether each threshold is a separate reward. The ₹600 cap equals 3% of ₹20,000, so spend above ₹20,000 adds nothing under this reading.
- The page names no reward points rate for Ace, though it links to AU Rewardz for redeeming "Reward Points"; only the cashback tiers are entered.
- The excluded spends (wallet, cash, rent, education, government, EMI, fuel, BBPS) do not count toward the spend thresholds, but the calculator counts all spend toward them, so a holder with large excluded spend is overvalued. BBPS has no category here.
Sources
- AU Small Finance Bank: Xcite Ace credit card page (SwipeUp programme) (Product page, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank MITC with schedule of charges, version 2.23 (2 Nov 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- AU Small Finance Bank Key Fact Statement V-1.9 (2 Nov 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank Credit Card Member Agreement, section 22 Rewards program (16 May 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank revision of credit card usage terms (domestic lounge spend condition, Priority Pass), 10 April 2026 (Bank notice, the bank's own, read 6 Nov 2026)