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AU SMALL FINANCE BANK LIMITED
AU Bank Xcite Ace Credit Card
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Verified Catalog
Source: AU SMALL FINANCE BANK LIMITED Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Midtier cashback credit card offering tiered cashback rates based on monthly spending thresholds
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Tiered flat cashback structure:
Highlight 2
1% on spends Rs. 7,50012,499
Highlight 3
2% on spends Rs. 12,50019,999
Highlight 4
3% on spends Rs. 20,00025,000
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
Free
The front-loaded charge when you apply.
Annual fee
Free
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: Free100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"8/year"
Hotel Privileges
"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)"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Income proof ₹24L+"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Premium metal card targeting high-income individuals; benefits may not justify the high annual fee unless zero forex markup and lounge access are priorities"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: 5,000 bonus reward points
- Base Rate: 4 CV Points on every ₹200 spent beyond ₹1 lakh per statement cycle
- Accelerated Rewards Program: Daily capping of ₹2,500 on SmartBuy rewards
- 10X rewards on selected categories
Cons
- RP to Rupees: ₹0.50/pt
- Domestic Airport: 8/year
- Movie/Entertainment: N/A
- Lifestyle and Fashion: Luxury brand access
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