AU XCITE ACE
AU Small Finance Bank · Checked 2026-10-09
AU XCITE ACE is a paid card focused on shopping rewards, straightforward cashback and airport lounge access, charging ₹749 annually before GST.
CardIQ editorial view
Our take
AU XCITE ACE is a paid card focused on shopping rewards, straightforward cashback and airport lounge access, charging ₹749 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise straightforward cashback.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- Up to 3% cashback after meeting eligible monthly spending thresholds.
- 2 domestic lounge visits per quarter require ₹50,000 qualifying spending in the preceding quarter.
- 8 railway lounge visits annually, maximum 2 per quarter.
Trade-offs to understand
- Available through AU SwipeUp for eligible existing credit-card holders; verify the upgrade offer with AU.
- Monthly thresholds: ₹7,500 for 1%, ₹12,500 for 2%, ₹20,000 for 3%; cashback caps and category exclusions apply.
- 2 domestic lounge visits per quarter require ₹50,000 qualifying spending in the preceding quarter.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes up to 3% cashback after meeting eligible monthly spending thresholds valuable enough to clear the fee. Factor in this condition: Available through AU SwipeUp for eligible existing credit-card holders; verify the upgrade offer with AU.
Compare before deciding
- Samsung Axis Bank Signature — A lower-fee way to compare similar strengths in shopping rewards and airport lounge access.
- PhonePe SBI Card SELECT BLACK — A higher-fee option to compare for broader benefits around shopping rewards and airport lounge access.
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Benefits, limits and conditions
- Available through AU SwipeUp for eligible existing credit-card holders; verify the upgrade offer with AU.
- Monthly thresholds: ₹7,500 for 1%, ₹12,500 for 2%, ₹20,000 for 3%; cashback caps and category exclusions apply.
- 2 domestic lounge visits per quarter require ₹50,000 qualifying spending in the preceding quarter.
- 8 railway lounge visits annually, maximum 2 per quarter.