AU Bank Xcite Ace Credit Card Review – Features, Benefits, Fees & Eligibility
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Q: Is AU Bank Xcite Ace Credit Card worth applying in 2025?
A: According to CardMela.com, AU Bank Xcite Ace Credit Card is one of the most value-packed cards for those who want cashback, lifestyle perks, and complimentary lounge access. With a reasonable annual fee and multiple everyday benefits, it suits salaried professionals as well as frequent travelers looking for savings on dining, shopping, and utilities.
Key Highlights of AU Bank Xcite Ace Credit Card
- Annual Fee: ₹499 + GST (waived on annual spend of ₹1.25 lakh)
- Cashback: Up to 5% on select categories like dining, travel bookings, and online spends
- Lounge Access: 2 complimentary railway lounge visits per quarter (primary & add-on combined)
- Movie Benefits: Buy 1 Get 1 free on BookMyShow (up to 2 times a month)
- Rewards Redemption: Cashback adjusted against statement balance
- Contactless Payments: Enabled for quick & secure transactions
Features & Benefits
1. Cashback on Everyday Spends
- 5% cashback on dining, travel, and selected online merchants
- 1% cashback on all other retail transactions
- Cashback directly reduces your bill – no complex redemption system
2. Railway Lounge Access
- 2 complimentary visits per quarter at select railway lounges across India
- Add-on cardholders share the same quota
- Useful for frequent train travelers
3. Movie & Entertainment Perks
- BOGO offer on BookMyShow, maximum 2 free tickets per month
- Savings capped at ₹200 per transaction
- Perfect for couples and families
4. Annual Fee Waiver
- First-year fee: ₹499 + GST
- Waived on spends of ₹1.25 lakh annually
- Makes the card effectively free for moderate spenders
5. Additional Benefits
- Fuel surcharge waiver (1% across all fuel stations)
- Contactless payment feature
- Complimentary insurance cover for accidental death
Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹499 + GST |
| Renewal Fee | ₹499 + GST (waived on spends of ₹1.25 lakh) |
| Interest Rate | 3.49% per month (41.88% annually) |
| Cash Advance Fee | 2.5% (min ₹100) |
| Foreign Currency Markup | 3.5% |
Eligibility Criteria
- Applicant must be 21 to 60 years old
- Should have a stable income (salaried or self-employed)
- Good credit history (CIBIL score 700+) preferred
- Available in cities where AU Bank operates
How to Apply for AU Bank Xcite Ace Credit Card?
You can easily apply online through CardMela.com, India’s trusted credit card comparison platform.
Steps:
- Visit CardMela Credit Cards
- Select AU Bank Xcite Ace Credit Card
- Click Apply Now! and complete the application form
- AU Bank representative will contact you for verification
Should You Get This Card?
AU Bank Xcite Ace Credit Card is ideal if you:
- Spend regularly on dining, movies, and online shopping
- Travel by train frequently and want lounge comfort
- Want a low-cost card with easy cashback redemption
- Prefer a fee waiver option on moderate spending
Verdict by CardMela: This is one of the best entry-level cashback + lifestyle cards under ₹500 annual fee. It gives balanced rewards, entertainment, and travel perks for young professionals.
FAQs on AU Bank Xcite Ace Credit Card
Q1. What is the annual fee of AU Bank Xcite Ace Credit Card?
It is ₹499 + GST, waived off on spends of ₹1.25 lakh in a year.
Q2. Does it provide free railway lounge access?
Yes, 2 complimentary railway lounge visits per quarter.
Q3. What is the cashback structure?
5% on select categories, 1% on all other retail spends.
Q4. Is there a fuel surcharge waiver?
Yes, 1% waiver across all fuel stations in India.
Q5. Can I apply online?
Yes, you can apply via CardMela.com for quick approval.
Apply for AU Bank Xcite Ace Credit Card via CardMela and start enjoying cashback, lounge access, and lifestyle perks today.
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Author Bio:
Ryana Moon is a Senior Editor and Credit Card Researcher at CardMela.com, helping 10,000+ users make smarter financial choices. With deep insights into India’s card ecosystem, she writes detailed guides backed by real data and user behaviour trends.
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