Card Details
Xcite Ace Credit Card
AUVISA
Card Issuer
AU Bank
Joining Fee
₹749
Annual Fee
₹749
Reward Type
Cashback
Card Access
Standard
Earn Points
Up to 1%
cashback on monthly spends via milestones
Upto 3%
After reaching a milestone of Rs. 20,000 in spends
Benefits
Shopping
Up to 3% cashback via monthly spend milestones
- Up to 3% cashback on monthly spends
Travel
2 domestic airport lounge accesses per quarter…
- 2 complimentary domestic airport lounge visits per quarter after ₹50,000 previous-quarter spend
- 8 complimentary railway lounge visits per year
- 2 complimentary domestic airport lounge accesses per quarter
- 8 complimentary railway lounge accesses per annum
Fuel
1% fuel surcharge waiver up to ₹200
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.
