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AU Xcite ACE Credit Card

Annual Savings
₹11000
Joining Fee
₹749
Annual Fee
₹749
Credit Score
720+
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Smart Analysis

Best For Online Shopping
Reward Type Cashback
Network VISA
Employment both

Fee Waiver Logic

The annual fee is waived if you spend ₹2 Lakh or more in a year on your card, as per bank policy
Expert Tip

If your yearly spends cross the waiver limit, this card practically becomes FREE while still giving premium cashback returns.

Redemption

This is a cashback card, and the earned cashback is adjusted directly in your monthly statement

Conversion Rate: N/A

All Card Benefits

Detailed reward structure and cashback analysis

Earn Up to 3% Cashback on Monthly

spends milestones to earn 1% cashback at ₹7,500, 2% at ₹12,500 and 3% at ₹20,000, capped at ₹600 per statement cycle

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Earn Up to 3% Cashback on Monthly

spends milestones to earn 1% cashback at ₹7,500, 2% at ₹12,500 and 3% at ₹20,000, capped at ₹600 per statement cycle

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Get 2 Complimentary Domestic Airport Lounge

visits each quarter on completing ₹50,000 of spends in the previous quarter

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Enjoy up to 8 Complimentary Railway Lounge

visits per year maximum 2 per calendar quarter at select railway stations

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Enjoy up to 8 Complimentary Railway Lounge

visits per year maximum 2 per calendar quarter at select railway stations

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Age Criteria 25-65 years
Salaried Income ₹3 LPA
Self Employed Income ₹3 LPA
CRIF Score 720+
Income Comment

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