AU Bank Xcite Ace Credit Card

Introducing the AU Bank Xcite Ace Credit Card – your gateway to an elevated lifestyle. Packed with a plethora of benefits and rewards, this card is designed to enhance your experiences in every way. From cashbacks that add value to your transactions to exclusive privileges that cater to your aspirations, the Xcite Ace Credit Card is more than just a financial tool; it’s a companion that complements your choices and preferences. 

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AU Bank Xcite Ace Credit Card

AU Bank has just launched the SwipeUp platform, and it offers three different cards. One of them is the AU Bank Xcite Ace Credit Card, which comes with numerous benefits to its users. This credit card comes with attractive features such as no annual fees and higher credit limits, making it a convenient option for various expenses. It provides exclusive travel privileges, including complimentary access to domestic airport and railway lounges, as well as travel insurance covers. With discounts on dining, concierge services, and a device protection plan, this card offers a range of advantages.

Features and Benefits of AU Bank Xcite Ace Credit Card

Dining: Get up to 30% discount at over 300 restaurants.
Rewards Rate: Earn cashback on your spending:

1% cashback for monthly spends of Rs. 7,500
2% cashback for monthly spends of Rs. 12,500
3% cashback for monthly spends of Rs. 20,000

Reward Redemption: The cashback you earn is directly credited to your account.
Travel: Enjoy complimentary airport and railway lounge access every year.
Domestic Lounge Access: Get 2 free domestic airport lounge accesses every quarter.
Insurance Benefits: Avail personal accident cover of Rs. 50 lakhs, card liability cover of Rs. 2 lakhs, and purchase protection of up to Rs. 25,000.
Zero Liability Protection: If your card is lost or stolen and you report it to the bank on time, you won’t be liable for any fraudulent transactions.
Fuel Surcharge Waiver: You get a 1% waiver on fuel surcharge for transactions between Rs. 400 and Rs. 5000. The maximum waiver you can get in a statement cycle is Rs. 200.

AU Bank Xcite Ace Credit Card Fees and Charges

Joining Fee: Nil
Renewal Fee: Nil
Foreign Currency Markup: 3.49% of the total amount
Interest Rates: 3.49% per month
Cash Advance Charge: 2.5% of the withdrawn amount (minimum fee of Rs. 100)

AU Bank Xcite Ace Credit Card Eligibility

  • Applicant’s age must be between 21 to 60 years.
  • Supplementary card applicant’s age should be at least 18 years.
  • Applicant must be a resident of India.
  • Applicant should have a good credit history.

How to apply for AU Bank Xcite Ace Credit Card?

  1. Go to the official website of AU Bank ( https://www.aubank.in/ )
  2. Look for the “Credit Cards” or “Cards” section.
  3. Find and select the Swipe Up Platform from the list of available credit cards.
  4. Provide your registered mobile number and PAN number for the card upgrade.
  5. Enter the first 6 digits of your current credit card and choose the Xcite Ace variant.
  6. Compare the benefits of your current card with the Xcite Ace Credit Card.
  7. Fill in the required details and apply for the Xcite Ace Credit Card.
  8. After submitting the application and necessary documents, the bank will review your application.

Frequently Asked Questions (FAQs) -

AU Bank Xcite Ace Credit Card is a premium credit card offered by AU Small Finance Bank, designed to provide a range of exclusive benefits and privileges to cardholders.

You can apply for the AU Bank Xcite Ace Credit Card online through the bank’s official website or by visiting a nearby AU Bank branch. Follow the application process provided on the website or inquire with the bank representatives for assistance.

The key features include attractive reward programs, discounts on shopping, dining privileges, travel benefits, and exclusive access to airport lounges. It may also offer zero lost card liability, contactless payments, and more.

Eligibility criteria typically include age, income, and credit score requirements. The specific criteria may vary, so it’s advisable to check with the bank for the most accurate information based on your profile.

AU Bank Xcite Ace Credit Card often comes with a rewards program where you earn points for every eligible transaction. These points can be redeemed for a variety of rewards, including gift vouchers, merchandise, or even cashback.

The annual fee for AU Bank Xcite Ace Credit Card may vary. Some credit cards may have an annual fee, while others may offer a waiver based on spending patterns. Refer to the terms and conditions or contact the bank for specific details.

Yes, AU Bank Xcite Ace Credit Card often provides the option to convert large purchases into easy monthly installments (EMIs) with competitive interest rates. Check with the bank for details on the EMI conversion process.

You can check your credit card statement online through the bank’s internet banking portal or mobile app. The statement will provide a detailed overview of your transactions, outstanding balance, and payment due dates.

Details regarding foreign transaction fees, currency conversion charges, and international usability can be found in the terms and conditions of the credit card. It’s recommended to review these details before using the card internationally.

In case your card is lost or stolen, contact AU Bank’s customer service immediately. The bank will guide you through the process of blocking the card and issuing a replacement to ensure the security of your account.