AU Small Finance Bank Xcite Ace Credit Card

Annual fee

₹749 a year.

Joining fee

₹749 to join.₹749 (Annual Card Membership Fee); for 2nd year onwards fee waiver – ₹2,00,000 retail spends done in previous card anniversary year

Fee waiver rule

For 2nd year onwards fee waiver – ₹2,00,000 retail spends done in previous card anniversary year

Reward rate

1% cashback on monthly spends of ₹7,500; 2% on monthly spends of ₹12,500; 3% on monthly spends of ₹20,000.

Domestic lounge access

With effect from 10th April 2026, 2 complimentary Domestic Lounge Access every quarter is based on completing minimum spend of ₹50,000 in the previous quarter

Hotel or travel programme

8 complimentary lounge access per annum (maximum 2 per calendar quarter), using AU Credit Card at railway stations

Concierge

Customize your travel, entertainment, and leisure experiences with our Global Concierge Assistance.

Milestone benefits

Cashbacks up to 3% as you complete your milestones: 1% Cashback on monthly spends of ₹7,500; 2% Cashback on monthly spends of ₹12,500; 3% Cashback on monthly spends of ₹20,000

Fuel surcharge waiver

1% Fuel Surcharge Waiver at all fuel stations across the country; effective 1st October 2026, up to ₹100 per statement cycle for transactions between ₹400 to ₹5000

Air accident cover

Air accident cover: ₹50 lacs.

Credit shield cover

Credit shield: Up to ₹2 lacs

Lost card liability

Card liability cover: you carry zero liability on any fraudulent transactions made with card after reporting the loss to the bank.

Purchase protection

Purchase protection: Up to ₹25,000

Travel insurance

Other travel related covers: In event of baggage loss, baggage delay, delay in flight, loss of passport and plane hijack.

Add-on card eligibility

Add-on cardholder should be over 18 years.

Balance transfer terms

Processing charges 1% of Balance Transfer amount, subject to a minimum of ₹250

Purchase to EMI conversion

Convert transactions of ₹500 and above with a minimum total value of ₹2,000 into EMI, club up to 20 Billed or Unbilled transactions together for conversion

Forex markup

3.49% on foreign currency transactions.

Cash advance fee

2.5% of the Cash withdrawal amount or ₹500, whichever is higher.

Interest on unpaid balance

3.75% per month (45% per annum)

Interest-free period

Up to 50 days (not applicable for cash withdrawal)

Late payment fee

15% of Total Amount Due (Minimum ₹10, Maximum ₹1300)

Over-limit fee

2.5% of overlimit amount, subject to a minimum of ₹500

Payment return or dishonour fee

2% of total amount due or ₹500 (On Cheque, ECS/ NACH, Autopay Return) Whichever is higher.

Card replacement fee

₹100

Cash payment / cash deposit fee

NIL, i.e., no charges for Credit Card Bill Payment through Cash Deposit mode.

Education / school fee charge

1% of transaction value, subject to minimum of ₹99 per transaction on education payments done through third party applications like, not limited to, CRED, PhonePe, Paytm, MobiKwik, Freecharge etc.

EMI conversion fee

Xpress EMI: 1% of the Amount being converted to EMI, subject to a minimum of ₹99 + GST; Instant EMI: ₹199 + GST as Processing Fees on every EMI transaction done at any Point-of-Sale unit or through Payment Gateway

Foreign ATM fee

2.5% or ₹500 whichever is higher on the amount withdrawn from domestic/international ATMs.

Rent transaction fee

1% of transaction value, subject to minimum of ₹99 per transaction on domestic rental transactions

GST note

GST 18% applicable on all fees, interest & charges

Minimum amount due

5% of Principal outstanding if Total Amount Due for previous statement was paid on/or before due date, 2% if not; + 100% of Fees/Charges + 100% of Interest Charges + Due EMI(s) + 100% of Annual Membership Fee (if applicable) + 100% of GST

Eligibility

Self Employed: 25 years to 65 years; Salaried: 21 years to 60 years.

Minimum age

Primary cardholder age group: Self Employed: 25 years to 65 years; Salaried: 21 years to 60 years.