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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | 1.6% | 1.7% | 1.6% | 1.5% | 1.5% |
| Est. Monthly Reward (₹) | 80 | 165 | 325 | 740 | 1,475 |
| All-India Rewards Rank* | 11 | 18 | 29 | 60 | 58 |
| Within Bank Rank* | 1 | 1 | 1 | 4 | 3 |
| * 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 Credit Card gives 3.75% effective reward on grocery, departmental stores, movies & dining and 0.50% on all other retail spending.
You also earn 1% effective rewards on all your spending between 1st to 5th of each month. The Xcite is a lifetime free credit card.
We estimate this card can earn you a net reward yield of 1.5-1.7% on all your spending in a month, making this the best credit card from AU Bank if you spend up to ₹50,000 a month on you card.
This card is available on AU Bank’s Swipe Up platform which offers higher credit limits compared to your existing cards from other banks.
This card is not available to AU Bank’s existing customers or to people who do not already have a credit card from another bank.
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 Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 15 Reward Points / ₹100 on: – Dining – Movies – Departmental stores – Grocery 4 Reward Points / ₹100 on all other retail spends between 1st and 5th of every month 2 Reward Points / ₹100 on all other retail spends |
| Milestone Rewards | Nil |
| Other Rewards | – 2 Complimentary Railways Lounge Visit / Year
– 30% discount on dining at 300 partnered restaurants |
| Rewards Redemption Fee | ₹99 |
| Reward Caps | Unlimited |
| Preferred Redemption Method | Redeem on AU Rewardz Portal @₹0.25/reward point for e-Vouchers, Merchandise, Flight and Hotel Bookings |
| Card | AU Bank Xcite 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.
