Affordable Retail Card with 3 Points on Departmental Stores & Railway Lounges
Budget-conscious retail shoppers, regional commuters, and young professionals seeking everyday clothing discounts and train lounge comforts.
₹749
One-time upfront₹749
Waived on ₹50,000 annual spend2 Reward Points per ₹100 spent (0.5% return; 1 RP = ₹0.25)
On eligible spends1 Domestic visits/quarter · ₹50k quarterly spend required
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The AU Bank Xcite Ace Credit Card is an accessible, value-packed retail credit card created for young earners and regional shoppers. Priced at ₹749 plus GST, it welcomes new cardholders with ₹500 in brand vouchers upon spending ₹10,000 within the first 60 days of card issuance. The card accelerates everyday departmental shopping: cardholders earn 3 reward points per ₹100 spent on departmental stores and fashion retail (a 0.75% value return, where 1 point = ₹0.25). All other retail spending earns 1.5 reward points per ₹100. Accumulated points can be redeemed for mobile recharges, shopping vouchers, or merchandise via AU Rewardz. Commuters benefit from 1 complimentary domestic railway lounge visit per calendar quarter at participating railway stations across India, alongside a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (up to ₹150 per month). The annual renewal fee is completely waived upon spending ₹50,000 or more in an anniversary year. For consumers seeking an affordable card with modest retail rewards and easy fee waiver criteria, Xcite Ace is a reliable entry point.
1% cashback on monthly spends of Rs. 7,500, 2% cashback on monthly spends of Rs. 12,500, and 3% cashback on monthly spends of Rs. 20,000.
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Online Spends | 6 Reward Points per ₹100 spent | No Cap | Standard terms apply |
| Online Shopping, Dining & Travel | 5 Reward Points per ₹100 spent online, on dining, and on travel (1.25% return) | 3,000 Reward Points/mo | Standard terms apply |
| Offline Spends | 3 Reward Points per ₹100 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Online Spends | ₹6,000 | 6 Reward Points per ₹100 spent | — | None | Calculating... | Under cap |
| Online Shopping, Dining & Travel | ₹6,000 | 5 Reward Points per ₹100 spent online, on dining, and on travel (1.25% return) | — | ₹3,000/monthly | Calculating... | Under cap |
| Offline Spends | ₹18,000 | 3 Reward Points per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹749
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹749 + GST; Annual Renewal Fee: ₹749 + GST. • Annual Fee Waiver: Spend ₹50,000 or more in an anniversary year to waive the ₹749 renewal fee. • Welcome Benefit: ₹500 shopping voucher upon spending ₹10,000 within the first 60 days of card issuance. • Retail Rewards: 3 reward points per ₹100 spent on departmental stores and apparel retail. • General Rewards: 1.5 reward points per ₹100 on all other non-departmental retail transactions. • Railway Lounge Access: 1 complimentary domestic railway lounge visit per calendar quarter across India. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum waiver of ₹150 per month).
Evaluate whether this card's perks and waiver threshold justify its ₹749 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding AU Bank Xcite Ace Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official AU Small Finance Bank portal with paperless verification.
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