AU Xcite Ace Credit Card 2025

3% Cashback on ₹20K+ Spends

2 Domestic Lounges/Quarter

30% Off Dining

Lifetime Free + Device Protection

Save more than ₹12,000 every year with tiered cashback, lounges & dining deals!

The AU Xcite Ace Credit Card is a mid-tier cashback card for moderate spenders in 2025.

Get 3% cashback on ₹20K+ monthly spends, 2% on ₹12.5K–₹20K, 1% on ₹7.5K–₹12.5K, 2 domestic lounges/quarter (on ₹20K quarterly), 30% dining discounts, device protection, fuel waiver, and 100% Lifetime Free – no fees.

Cashback auto-credits to statement – effortless savings.

Why This Is The Best Tiered Cashback Card in 2025?

Up to 3% tiered cashback • 2 lounges/quarter • 30% dining • LTF • Fuel waiver • Concierge

Best for: Moderate spenders, travelers, diners, upgraders

Apply Now → Lifetime Free (SwipeUp Upgrade)

No Fees Ever – Instant from existing card

Card At a Glance

Joining Fee
Nil (LTF)

Annual Fee
Nil

Cashback Rate
Up to 3% (₹750 cap/month)

Lounge Access
2 Domestic/Quarter

Dining Discount
30% at Partners

Fuel Waiver
1% up to ₹200/month

Complete Fees & Charges

Particulars	Details
Joining Fee	Nil
Annual Fee	Nil (Lifetime Free)
Cashback Cap	₹750/month
Forex Markup	3.5% + GST
Interest Rate	3.59% per month

Detailed Cashback Rates (2025)

3% on ₹20K+ monthly spends (cap ₹750)
2% on ₹12.5K–₹19.9K
1% on ₹7.5K–₹12.4K
0% below ₹7.5K
Auto statement credit

Airport Lounge Access

2 complimentary domestic visits per quarter
On ₹20K quarterly spend

Pros & Cons (Real User View)

Pros	Cons
Up to 3% tiered cashback	Min ₹7.5K for any CB
LTF no fees	₹750 monthly cap
2 lounges/quarter	3.5% forex
30% dining + fuel waiver	No intl lounges
Device protection

Eligibility Criteria & Documents

Age: 18–70 years
Min income: ₹4 Lakh/year
Good credit score (700+)
Documents: PAN, Aadhaar, salary slip

How to Apply (2-Minute Process)

SwipeUp from existing card
Enter details
OTP verify
Instant approval
Card in 5 days

Final Verdict – Should You Get It in 2025?

For ₹20K+ monthly spenders, this LTF card saves ₹8,000–₹12,000 yearly in cashback + perks. Best mid-tier LTF cashback card!

Frequently Asked Questions (FAQs)

Cashback how?

Auto to statement on tiers.

Min spend for CB?

₹7.5K for 1% start.

Lounges on what?

₹20K quarterly spend.

Apply Now – LTF + Up to 3% Cashback