AU Bank Xcite Ace Credit Card: Apply Process

Summary

Overall, the AU Bank Xcite Ace Credit Card is a feature-packed, lifetime-free credit card for individuals who desire to gain savings on their daily spends. To begin with, the card lacks joining and yearly fees, thus it is ideal for new users or those who would wish to cut down on their costs on credit cards.

One of the best things it has is the cashback option, whereby you receive up to 3% cashback depending on how much you use every month. This would mean that the higher you spend on items such as shopping, food delivery, and groceries, the more you save. The cashback plan is simple and easy to understand, too.

In addition, the card also offers travel rewards like free domestic airport and railway lounge access, making your travel convenient. You also receive 1-year mobile screen damage protection and extended warranties on electronic buys, which is an extra feature among the majority of starter credit cards.

Introduction

In the busy lifestyle of the present time, a credit card is not only a luxury but a necessity. Whether you are purchasing something online, booking a ticket, or paying for your daily needs, a credit card provides you with convenience and rewards. Out of all the credit cards one can find in the Indian market, the AU Xcite Ace Credit Card was the latest surprise hit.

First, AU Small Finance Bank, which ranks as India’s top small finance bank, launched the Xcite Ace Credit Card as part of its “Xcite” series. No annual fee and no joining fee mean it’s a great choice for first-time users of credit cards. And, as if that weren’t enough, it gives back up to 3% cashback on several spending categories such as buying food online, groceries, and fuel purchases.

And on top of all this, one of the largest USPs of the AU Xcite Ace Credit Card is that it has completely digital onboarding. You can apply for the card without having to go to the branch, waste hours waiting in line, or fill out massive amounts of paperwork.

Another fantastic advantage is that it’s a very easy and prompt application process. Even for a first-time credit card applicant, the process is easy and direct. Furthermore, the bank also provides you with a virtual card which you may use instantly once you’ve been approved, even before receiving the physical card. This makes the user experience the benefits of the card instantly.

What is the AU Bank Xcite Ace Credit Card?

AU Xcite Ace Credit Card is a new credit card launched by AU Small Finance Bank. In fact, the card is free from both joining fee as well as annual fee, thereby making it a cost-effective option for beginners of credit cards.

Moreover, the card offers cashback of 3% on regular spending categories like online ordering of food, grocery, and fuel. This helps you earn rewards on every expenditure on daily necessities. There are no hidden charges, so the card is easy and transparent to keep.

How is the design of the AU Bank Xcite Ace Credit Card?

The AU Bank Xcite Ace Credit Card has an athletic, sleek, and contemporary look that depicts its digital-first nature. Even though some visual aspects are not elaborated at length in the sources available, the card belongs to the AU Bank SwipeUp platform with a focus on a contemporary and minimalist experience.

It would probably come with a basic layout, having important information like the name of the cardholder and the card number displayed. It contains a chip for secure transactions and contactless functionality, allowing easy tap-and-go payments.

What are the benefits of the AU Bank Xcite Ace Credit Card?

The following is the entire list of its benefits:

Cashback Rewards

Tiered Cashback Pattern:

• 1% cashback on monthly spends of ₹7,500.

• 2% cashback on monthly spends of ₹12,500.

• 3% cashback on monthly spends of ₹20,000.

Important Note: The cashback is capped at ₹750 per statement cycle.

Exclusions: The cashback is not credited on payment of government services, rent, education, wallet recharges, and fuel purchases.

Travel Privileges

• Airport Lounge Facility: Get 2 free airport lounge accesses every quarter, up to a maximum of 8 free accesses in a year.

• Railway Lounge Facility: Get 2 complimentary visits to railway lounge facilities every quarter at some railway stations in India.

Device Care & Warranty Plus

• Screen Protection: Get free screen protection for 1 year on mobile and tablet purchases using the card.

• For mobiles, laptops, tablets, and other white items purchased with the card, get a one-year extended warranty.

Dining Coupons

Enjoy up to 30% savings at more than three hundred eating partner restaurants around India.

Waiver on Fuel Surcharge

Get a waiver of 1% fuel levy on fuel transactions between ₹400 to ₹5,000 with a maximum waiver of ₹200 each statement cycle.

Additional Characteristics

• Lifetime Freedom: Cardholders will find it affordable since there are no membership fees or joining costs.

• Apply online easily using AU Bank’s SwipeUp, which offers a straightforward paperless system.

What are the fees for the AU Bank Xcite Ace Credit Card?

Here is a simple breakdown of the  AU Bank Xcite Ace Credit Card fees.

Joining Fee	Nil
Annual Fee	Nil
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.75% per month (45% annually) charge is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an AU Bank Xcite Ace Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get an AU Bank Xcite Ace Credit Card?

The documents that you will have to submit to get the AU Bank Xcite Ace Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the AU Bank Xcite Ace Credit Card be used?

Here is the list of places where you can use it:

• With the AU Bank Xcite Ace Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  AU Bank Xcite Ace Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  AU Bank Xcite Ace Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the AU Bank Xcite Ace Credit Card?

The credit amount you can spend is what you are provided to you with an AU Bank Xcite Ace Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an AU Bank Xcite Ace Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the AU Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by AU Bank; for instance, you can choose the  AU Bank Xcite Ace Credit Card.

• Just hover your cursor on the  AU Bank Xcite Ace Credit Card and select ‘Apply Now’ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest AU Bank branch to apply for the  AU Bank Xcite Ace Credit Card.

• Request for the credit card application form of the  AU Bank Xcite Ace Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  AU Bank Xcite Ace Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the AU Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an AU Bank Xcite Ace Credit Card in 2025 be right?

Yes, getting an AU Bank Xcite Ace Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

AU Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Lastly, the AU Xcite Ace Credit Card is a wise and rewarding choice for those in search of a no-frills yet powerful credit card experience. Its no-joining-fee and no-annual-fee terms make it especially ideal for first-timers or for anyone on a budget who wants an affordable credit card. Further, the card also offers rich cashback on daily spends like online shopping, restaurant dining, grocery shopping, and others, so saving becomes easy while you shop.

And to top it all, the online-first approach of this card is a major advantage. You can apply for the card entirely online, without having to visit any branch or fill out long forms. On approval, you are given instant access to a virtual card so that you can start making payments immediately. This is wonderfully convenient in the hectic, mobile age we live in.

On top of that, the AU Xcite Ace Credit Card also features travel privileges such as access to airport and train lounge facilities, which offer extra convenience in your travels. The card even features protection against mobile screen damage and extended warranties in electronic purchases – privileges that are generously given in starter cards.

Frequently Asked Questions (FAQ’s)