Does AU Xcite Ace offer airport lounge access?

Yes. The card provides 4 complimentary domestic airport lounge visits per calendar year (1 visit per calendar quarter).

What is the annual fee waiver threshold for AU Xcite Ace?

The renewal fee of ₹399 + GST is waived if your annual retail spending in the preceding membership year reaches ₹1,00,000 or more.

What are the reward rates on online shopping for AU Xcite Ace?

Cardholders earn 2% value back on eligible online retail transactions, complemented by 3% value back on offline shopping.

Are fuel transactions eligible for reward points on AU Xcite Ace?

No. Fuel purchases, wallet loads, and cash withdrawals are excluded from earning reward points.

AU Bank Xcite Ace Credit Card Review (2026): Fees, Rewards, Lounge & Eligibility

Researched & Fact-Checked by CardSe Editorial Team · Verified: September 2026 against Bank Schedule of Charges (MITC) · CardSe Score: 4.3 / 5.0

The AU Bank Xcite Ace Credit Card is a leading cashback credit card issued by AU Small Finance Bank on the Visa network. Tailored specifically for moderate spenders who spend heavily in offline retail markets, supermarkets, and dining, and want spend-free lounge visits. it features a joining fee structure of ₹399. In this comprehensive 2026 review, CardSe evaluates its fee waiver thresholds, category capping rules, airport lounge access qualification, and net reward yields to help you determine if this card earns a permanent spot in your wallet.

Key Benefits & Reward Structure

The reward structure of the AU Bank Xcite Ace Credit Card is structured around category-specific accelerators and spend thresholds:

Online Spends: Offers 2% reward rate on eligible digital purchases.
Offline Spends: Earns 3% cashback/rewards on eligible brick-and-mortar purchases.
Airport Lounge Access: Provides 4 visits/year domestic lounge visits.

Important Parameters: Great choice for maximizing offline spends.

Break-Even & Value Analysis

With an annual fee of ₹399 + GST, spending ₹13,300 annually on offline retail purchases at 3% reward rate yields ₹400 in rewards, covering the annual fee. Spending ₹1 Lakh in a year waives the renewal fee entirely.

Pros & Cons

Pros

Accelerated 3% value back on offline retail spends and brick-and-mortar stores.
2% value back on eligible online shopping transactions.
Low annual fee of ₹399 with an accessible ₹1,00,000 fee waiver threshold.
4 complimentary domestic airport lounge visits per year (1 per calendar quarter).

Watchouts & Cons

Reward points are capped by monthly statement categories.
AU Small Finance Bank cards have specific geographical serviceability restrictions in India.
Fuel and wallet reloads are excluded from reward points.

CardSe Verdict

The AU Bank Xcite Ace Credit Card is one of the few cards in India offering a higher reward rate for offline brick-and-mortar purchases (3%) than online shopping (2%), making it an excellent companion for supermarket and physical retail shoppers.

Editorial Independence & Affiliate Disclosure: All recommendations on CardSe are created independently by our research team. We do not accept sponsorship to promote specific cards. We may receive an affiliate commission from card networks or banks if you apply through links on our site, at no cost to you.

Detailed Card Parameters

Joining/Annual Fee	₹399
Welcome Benefit	-
Annual Fee Waiver Spends	₹1 Lakh
Domestic Lounge Visits	4 visits/year
Spends for Lounge	-
Offline Spends	3%
Online Spends	2%
Notes	Great choice for maximizing offline spends.

Frequently Asked Questions

Does AU Xcite Ace offer airport lounge access?: Yes. The card provides 4 complimentary domestic airport lounge visits per calendar year (1 visit per calendar quarter).
What is the annual fee waiver threshold for AU Xcite Ace?: The renewal fee of ₹399 + GST is waived if your annual retail spending in the preceding membership year reaches ₹1,00,000 or more.
What are the reward rates on online shopping for AU Xcite Ace?: Cardholders earn 2% value back on eligible online retail transactions, complemented by 3% value back on offline shopping.
Are fuel transactions eligible for reward points on AU Xcite Ace?: No. Fuel purchases, wallet loads, and cash withdrawals are excluded from earning reward points.