AU Bank Xcite Ace Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

A Credit Card with Lifetime Free Benefits. Earn up to 3% cashback on all your expenses with this card. Enjoy complimentary access to railway lounges annually. Receive complimentary airport lounge access every year. Save up to 30% on your dining expenses. Benefit from a 1% fuel surcharge waiver on all your fuel purchases. Receive a complimentary device protection plan and extended warranty.

I recently had the opportunity to review the AU Bank Xcite Ace Credit Card, and I must say, it has left quite an impression.

With no joining fee and no renewal fee, this credit card is a fantastic option for avid shoppers.

One of the standout features of this card is its reward type, which is Reward Points.

With every purchase, you earn points that can be redeemed for a wide range of rewards.

While there is no specific welcome benefit, the ongoing benefits more than make up for it.

Let's talk about the perks for movie dining.

With this card, you can enjoy up to a 30% discount on dining at over 300 different restaurants.

This alone can lead to significant savings and make your dining experiences even more enjoyable.

When it comes to shopping, the Xcite Ace Credit Card doesn't disappoint.

You'll receive a 1% cashback on monthly spends of Rs. 7,500, 2% cashback on monthly spends of Rs. 12,500, and a whopping 3% cashback on monthly spends of Rs. 20,000.

This makes it an excellent option for those who love to shop and want to maximize their rewards.

For travel enthusiasts, this card offers some attractive benefits.

Every year, you'll receive complimentary airport and railway lounge access.

In addition, you'll also enjoy 2 complimentary domestic airport lounge access every quarter.

These perks can make your travel experiences more comfortable and enjoyable.

While there are no specific benefits for golf or international lounge access, the insurance benefits are impressive.

You'll have a personal accident cover worth Rs. 50 lakhs, a card liability cover worth Rs. 2 lakhs, and purchase protection worth up to Rs. 25,000.

These insurance benefits provide peace of mind and additional protection.

Moving on to the fees and charges, the AU Bank Xcite Ace Credit Card offers some favorable terms.

There is no rewards redemption fee, and the foreign currency markup is reasonable at 3.49% of the total amount.

The interest rate is also competitive, at 3.49% per month.

For fuel purchases, you'll enjoy a 1% fuel surcharge waiver, up to Rs. 250 per month.

This can provide some relief at the pump and save you money in the long run.

If you ever need cash advance, this card charges a fee of 2.5% of the withdrawn amount, subject to a minimum fee of Rs. 100.

While not the most favorable terms, it is in line with industry standards.

Overall, the AU Bank Xcite Ace Credit Card offers an impressive range of benefits with minimal fees.

Whether you're a frequent shopper or a travel enthusiast, this card has something to offer.

With its attractive reward points, discounts, and insurance benefits, it is a top-notch choice for anyone in search of a reliable credit card.