AU Xcite ACE Credit Card
AU Bank · Cashback · Visa
Annual Fee
FREE
Fee Waiver
Lifetime free
Lounge Access
None
Best Rate
5%
Network
Visa
⚠️ Data being verified
Reward Rates by Category
🍽️Dining
5%
✈️Travel
5%
🛒Online Shopping
2%
🥦Groceries
2%
💡Utilities
2%
🎬Entertainment
2%
🛍️Shopping
2%
⛽Fuel
0%
How Points Work
5% on partner dining/travel (cap ₹1K/mo), 2% on everything else · Lifetime free · ₹500 welcome cashback
🚀 Boosted Rates (Partners & SmartBuy)
Partner restaurants5% cashback
Partner travel5% cashback
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
Lifetime free5% on partner dining/travel2% base on everything₹1K/mo cap
PROS
✅ No fee with strong rewards
✅ 2% base is excellent for a free card
✅ 5% on partners
CONS
⚠️ ₹1,000/mo cap on 5% categories
⚠️ Partner-dependent for highest rates
⚠️ AU Bank less established
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