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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | 0.9% | 1.3% | 1.6% | 1.5% | 0.8% |
| Est. Monthly Reward (₹) | 45 | 125 | 325 | 750 | 750 |
| All-India Rewards Rank* | 39 | 34 | 30 | 57 | 183 |
| Within Bank Rank* | 4 | 3 | 2 | 3 | 4 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. | |||||
The AU Bank Xcite Ace Credit Card gives 1% cashback on monthly spending of ₹7,500 and above, 2% cashback on ₹12,500+ and 3% cashback on ₹20,000+.
We estimate this card can earn you a net reward yield of 0.8-1.6% on all your spending in a month. This is a lifetime free credit card from AU Bank.
The AU Bank Xcite Credit Card is the best entry level credit card from AU SFB. You can earn a net reward yield of 1.5-1.7% on all your spending up to ₹50,000 a month with this credit card.
However this card is only available to customers who already have a credit card from another bank and are looking to upgrade.
The Zenith Credit Card offer the best reward yield for high spending AU SFB cutomers. We estimate the Zenith gives a net reward yield of 1.8% if you spend more than ₹50,000 a month with this card.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | AU Bank Xcite Ace Credit Card |
|---|---|
| Card Type | Cashback |
| Cashback Features |
1% cashback on monthly spend of ₹7,500+
2% cashback on monthly spend of ₹12,500+ 3% cashback on monthly spend of ₹20,000+ |
| Milestone Rewards | Nil |
| Other Rewards | – 2 Complimentary Railways Lounge visits / Qtr.
– 2 Complimentary Domestic Airport Lounge visits / Qtr. – 30% discount on dining at 300 partnered restaurants |
| Rewards Redemption Fee | Nil |
| Cashback Caps | ₹750 cashback p.m. |
| Preferred Redemption Method | Cashback against statement balance |
| Card | AU Bank Xcite Ace Credit Card | |
|---|---|---|
| Joining Fee | Nil | |
| Annual Fee | Nil | |
| Min. Annual Credit Card Spend for Fee Waiver |
N/A | |
| Income Criteria | Salaried | N/A |
| Self-employed | N/A | |
| Supplementary Card Fee | Free | |
| Interest Rate | 41.88% | |
| Foreign Currency Markup | 3.49% | |
| Cash Advance Charge | 2.50% with a minimum of ₹100 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
