AU Bank Xcite Ace Credit Card
The premier upgrade product under AU Bank’s SwipeUp credit limit matching program. Delivered Lifetime Free without salary documentation for holders of competitor premium cards, it provides 3X reward points on dining and travel bookings alongside 8 complimentary domestic airport lounge visits annually.
Why We Recommend The AU Bank Xcite Ace Credit Card
AU’s standout acquisition card from the SwipeUp platform, delivering instant limits and airport lounges at zero cost.
Cardholders with existing cards from other banks wanting higher credit limits and free lounge access.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the AU Bank Xcite Ace Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for AU Bank Xcite Ace Credit Card
Zero hidden costs. Complete fee schedule verified with AU Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the AU Bank Xcite Ace Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Not available
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes AU Bank Xcite Ace Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Issued via AU SwipeUp platform by providing existing credit card credentials.
Lifetime Free upgrade card with zero recurring maintenance charges.
8 complimentary domestic airport lounge visits annually.
Pros & Cons of the AU Bank Xcite Ace Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Easy documentation: no salary slips required if you hold a competitor card.
- Offers higher credit limits matching or beating existing cards.
- Generous 8 airport lounge visits on a lifetime-free card.
Things to Consider (Cons)
- Available exclusively through the SwipeUp upgrade funnel.
- Forex markup is not subsidized (3.49%).
- No international lounge access.
Who Can Apply for the AU Bank Xcite Ace Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
730+ Score Recommended
Applicants with a credit score of 730 or higher enjoy fast-tracked approval and preferential credit limits from AU Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About AU Bank Xcite Ace Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the AU Bank Xcite Ace Credit Card?
Check your pre-approved credit limit and instant approval eligibility across AU Bank with 100% paperless verification and zero score impact.