Once upon a casual afternoon scroll, you mistakenly applied on Swipe Up instead of using the regular application route. And just like that, you were offered the AU Xcite Ace credit card. A simple misstep turned into a puzzling maze: now you have a lead ID, and that lead ID stubbornly redirects only to AU Xcite Ace, ignoring any dreams of Zenith or Zenith+.
You’re not alone. This seemingly small mishap has become a significant decision point. Should you stick with the Xcite Ace, or is it worth waiting (and hoping) for a better option like Vetta, Altura+, or even the baseline Xcite? Should you worry that this lead ID has locked you out of better deals for six whole months?
You’re asking all the right questions, and in this guide, we’re breaking down every bit of it—AU Xcite Ace vs other AU cards, eligibility quandaries, and the most sensible next steps.
What Is the AU Xcite Ace?
The AU Xcite Ace is a mid-tier lifestyle credit card from AU Small Finance Bank aimed at those looking for rewards on dining, travel, and shopping, but not quite ready to commit to the premium fees of cards like Vetta or Zenith+.
Let’s get something straight—this isn’t a bottom-tier card. It brings a lot to the table but also has stiff competition from its siblings. Is it exciting or excessive? Let’s dive deeper.
AU Xcite Ace vs Zenith/Zenith+: What If I Don’t Get the Premiums?
Missing Out on Zenith: Should You Worry?
Before you get a case of credit card FOMO, here’s a reality check. Not everyone gets Zenith or Zenith+—they’re designed for high spenders with high income eligibility. If your lead ID only shows Xcite Ace, it may mean your profile didn’t fit the premium card’s parameters.
So, Is AU Xcite Ace Good on Its Own?
Yes—and no. Here’s a quick breakdown of where Xcite Ace wins and loses:
Pros:
- Reward Rate: 2% cashback on online spends, up to Rs. 500 per month
- Lounge Access: 2 per quarter (domestic only)
- Fuel Surcharge Waiver: Available on spends between Rs. 400-5000
- Low Annual Fee: Rs. 499 (waived off at Rs. 1L spend)
Cons:
- Cap on Cashback makes it limited for heavy spenders
- No international lounge access, unlike Zenith/Vetta
- Reward points instead of instant discounts, not ideal for deal-seekers
Verdict:
If you’re a moderate spender and don’t travel internationally, AU Xcite Ace is a solid card. But if you’re a reward hacker or international traveler, it might feel a bit underwhelming.
AU Xcite Ace vs Altura+ vs Vetta
Three Titans—One Winner?
When you’re stuck with Xcite Ace, it’s natural to look over the fence at the flashy Altura+ and Vetta. Let’s do a quick Battle Royale.
Comparison Table:
| Feature | Xcite Ace | Altura+ | Vetta |
|---|---|---|---|
| Reward Rate | 2% online | 1.5% online, 1% offline | 2.5% online |
| Lounge Access | 2/qtr (domestic) | None | 4/qtr + Intl (Priority) |
| Annual Fee | Rs. 499 | Rs. 199 | Rs. 2,999 |
| Waiver Condition | Rs. 1L/year | Rs. 50K/year | Rs. 3L/year |
| Insurance Benefits | Basic | Minimal | Comprehensive |
| Fuel Surcharge Waiver | Yes | Yes | Yes |
Verdict:
- Altura+ is best if you’re a light spender.
- Vetta wins if you travel often and spend big.
- Xcite Ace? It holds a nice middle ground. If you’re in between budget and premium, it makes sense.
AU Xcite Ace vs AU Lit
Flexibility vs Structure
The AU Lit card is like a “build-your-own-adventure” card. It’s customizable, where you pay for features you want—like lounge access, cashback, or travel perks.
What’s Lit About It?
- Pay-as-you-use model
- Superb for people with changing needs
- No wasted features
But here’s the catch: If you forget to activate a feature, you lose the benefit. Plus, regular spenders may pay more in piecemeal than a flat-fee card like Xcite Ace.
Verdict:
Go Lit if you love control. Go Xcite Ace if you want a predictable experience.
Is Basic Xcite Better Than Xcite Ace or Ultra?
A Shocking Twist in Threads?
Some online users claim basic Xcite is better than Ace and Ultra. Here’s why:
- Lower fee
- Decent cashback for daily spends
- No frills simplicity
But here’s the secret truth: It depends on your spending style.
If you don’t travel or spend much online, basic Xcite might feel efficient. But if you want lounge access, insurance, or better cashback on ecommerce, the Xcite Ace clearly wins.
Will My Lead ID Stop Me from Getting Other AU Cards?
Stuck in Credit Limbo?
This is where things get annoyingly technical.
When you apply via Swipe Up, AU Bank generates a Lead ID tied to that offer. That ID is generally valid for 6 months. Until that expires, you likely cannot apply for a different AU card using your PAN and mobile number.
What Are My Options Now?
- Wait it out (up to 6 months)
- Call AU customer care and request cancellation of the lead
- Try applying with a different mobile number or email ID (not guaranteed)
Pro Tip:
If you absolutely must get a different card, consider applying through a physical branch or getting in touch with a DSA (Direct Selling Agent). They sometimes have override privileges.
FAQs
What are the key features of AU Xcite Ace?
AU Xcite Ace is a budget-friendly smartphone that offers features like a 6.5-inch HD+ display, dual rear cameras, a long-lasting 4000mAh battery, and Android 12 Go Edition. It’s designed for basic smartphone users, focusing on performance, efficiency, and affordability.
Is AU Xcite Ace good for gaming and multitasking?
AU Xcite Ace is not designed for heavy gaming or multitasking. With its entry-level processor and 2GB RAM, it’s best suited for light apps like WhatsApp, YouTube, or browsing. For high-end games or multiple apps running simultaneously, it may lag.
How is the battery life of AU Xcite Ace?
The 4000mAh battery performs well for a budget phone, providing a full day’s use with moderate activity. It’s suitable for calls, messaging, and occasional video streaming without frequent charging.
Does AU Xcite Ace have a good %camera?
The camera on the AU Xcite Ace is basic, offering acceptable quality in good lighting conditions. It’s equipped with a dual rear camera setup for casual photography but may struggle in low-light environments.
Is AU Xcite Ace worth buying in 2025?
If you’re looking for a budget smartphone with essential features for everyday use like calling, messaging, and light app usage, AU Xcite Ace is a decent option. However, for users who need better performance or camera quality, spending a bit more for a mid-range phone might be a better choice.
Final Verdict: Should You Keep AU Xcite Ace?
If you were offered AU Xcite Ace due to a mistaken swipe, you’re not in a bad place. You’re just in a slightly off-route place.
The card is great for entry-level to mid-level spenders, gives reasonable perks for a low fee, and fills the gap between basic and premium.
But if you’re aiming for Zenith, Vetta, or a travel-heavy card, then yes—waiting or canceling might be the right move.
To sum it up:
- Yes, Xcite Ace is good—but it’s not the best.
- Altura+ is cheaper but lighter on rewards.
- Vetta is luxury—but costs more.
- Xcite (basic) is simple—ideal for minimalists.
- Lit is flexible—but only if you remember to toggle the features.
