Card Details
Xcite Ace Credit Card
Card Issuer
AU Bank
Joining Fee
₹749
Annual Fee
₹749
Reward Type
Cashback
Card Access
Standard
Earn Points
1%
When monthly spends reach ₹7,500 (max ₹600 per cycle)
3%
When monthly spends reach ₹20,000 (shared ₹600 limit)
2%
When monthly spends reach ₹12,500 (shared ₹600 limit)
Benefits
Up to 3% cashback via monthly spend milestones
- Up to 3% cashback on monthly spends
2 domestic lounge visits a quarter
- 2 domestic lounge visits a quarter (₹50,000 previous-quarter spend)
- 2 complimentary domestic airport lounge visits every quarter on ₹50,000 spend in the previous quarter
- 8 complimentary railway lounge visits a year
1% fuel surcharge waiver up to ₹100/statement
Things to Keep in Mind
Cashback is advertised as up to 3% and is milestone-linked.
Airport lounge access is conditional on ₹50,000 spend in previous quarter.
Fuel surcharge waiver applies only for ₹400–₹5,000 fuel transactions and is capped at ₹200.
Railway lounge benefit is capped at 8 per annum and 2 per calendar quarter.
Railway lounge access is stated generically and IRCTC is not expressly named.
UPI linkage is not confirmed.
