cashback

AU Xcite Ace Credit Card

AU Xcite Ace offers milestone cashback up to 3%, domestic and railway lounge access and a spend-based annual fee waiver.

Annual Fee
₹749+GST; renewal waived on ₹2 lakh retail spend in the previous card anniversary year
Rewards
Cashback up to 3% on completing applicable spend milestones
Lounge Access
2 domestic airport lounge visits/quarter after ₹50,000 spend in the previous quarter + 8 railway lounge visits/year, max 2/quarter
Fuel Waiver
1% on ₹400–₹5,000, capped at ₹200/statement month
Milestone
Up to 3% cashback through spend milestones; exact current slab thresholds are not stated on AU's public product page
Best For
Moderate-to-high spenders who prefer cashback over reward points
Welcome Offer
Not confirmed
Type
Cashback
Get This Card

Description

The AU Xcite Ace Credit Card is a cashback-focused Xcite variant offering cashback of up to 3% as cardholders complete applicable spending milestones. It provides 2 complimentary domestic airport lounge visits every quarter after at least ₹50,000 spend in the previous quarter, plus 8 railway lounge visits per year with a maximum of 2 per calendar quarter. Fuel transactions between ₹400 and ₹5,000 receive a 1% surcharge waiver capped at ₹200. The annual membership fee is ₹749+GST and is waived from the second year onwards after ₹2 lakh of eligible retail spending in the preceding card anniversary year. AU's current public page does not disclose the complete cashback milestone slab table, so those thresholds should not be invented.

Disclaimer

This website is an independent comparison platform and is not affiliated with, endorsed by, or associated with any bank. All trademarks belong to their respective owners.

Compare top cards, unlock rewards, and apply instantly!
Compare 50+ credit cards side-by-side, find perfect rewards, and apply instantly for exclusive offers!
FILTER
24 ITEMS
Issuers
8 ITEMS
Card Type
40 ITEMS
Cards

Comparison

Cards

Compare different cards and choose the best one for your needs.

Explore

Bank

Annual Fee

Rewards

Lounge Access

Fuel Waiver

Milestone

Best For

Welcome Offer

Type

Find the Perfect Credit Card for You

Compare, choose, and apply for the best credit cards from top Indian banks in minute

Know more
Credit Card
SBI Cashback Credit Card
Straightforward 5% online and 1% offline cashback with anomaly-free fee reversal.
Know More
Credit Card
HDFC MoneyBack+ Credit Card
Integrated cashback with quarterly gift vouchers and fuel surcharge waiver.
Know More
Credit Card
Axis Bank ACE Credit Card
Top-tier cashback on recurring spends, plus minimal lounge and fuel perks.
Know More
Credit Card
Standard Chartered Super Value Titanium
Fuel and bill payment cashback with additional reward points on other spends.
Know More
Credit Card
Axis Bank Flipkart Credit Card
Flipkart-focused cashback card.
Know More
Credit Card
Yes Bank Exclusive Credit Card (Cashback)
YES Bank Exclusive Credit Card offers premium lifestyle benefits, travel perks, and accelerated rewards on every spend.
Know More
Credit Card
AU Small Finance
AU LIT Credit Card is a fully customizable, lifetime-free card aimed at shoppers who want selectable benefits (cashback, accelerated RPs, fuel waiver, memberships).
Know More
Credit Card
Fi SimpliFi Credit Card
The Fi SimpliFi is a lifetime-free, secured credit card against a fixed deposit, making it a good entry-level option for those new to credit.
Know More
Credit Card
HDFC Millennia Credit Card
5% cashback on top online merchants, built for millennials.
Know More
Credit Card
Swiggy Ornge HDFC Bank Credit Card
5% cashback on Swiggy orders plus a free membership.
Know More
Credit Card
Swiggy BLCK HDFC Bank Credit Card
10% cashback on Swiggy for the app's power users.
Know More
Credit Card
HDFC Bank PIXEL Play Credit Card
Fully customizable lifetime-free card with your choice of cashback.
Know More
Credit Card
HDFC Bank PIXEL Go Credit Card
Simple lifetime-free card offering unlimited 1% cashback everywhere.
Know More
Credit Card
Flipkart SBI Credit Card
Cashback-first card built around Flipkart and its partner ecosystem, with a Flipkart gift card to start things off.
Know More
Credit Card
SBI MILES PRIME Credit Card
A richer version of the MILES card with higher travel-credit earn rates for frequent bookers.
Know More
Credit Card
PNB Kiwi Credit Card
RuPay UPI card offering cashback on Scan & Pay and online transactions via Kiwi.
Know More
Credit Card
HSBC Live+ Credit Card
10% cashback on dining, groceries and shopping with lounge access and low forex markup.
Know More
Credit Card
HSBC RuPay Cashback Credit Card
10% cashback on dining and groceries with UPI rewards and complimentary airport lounge access.
Know More
Credit Card
KVB Platinum Credit Card
Entry-level SBI-powered card offering accelerated travel rewards with a low, spend-waivable annual fee.
Know More
Credit Card
Utkarsh superCard Credit Card
FD-backed RuPay card with instant approval, offering up to 5% cashback at partner brands.
Know More
Credit Card
Utkarsh Eternal Credit Card
First-year-free card with flat 1.25% cashback, available only to existing Utkarsh Bank customers.
Know More
Credit Card
Utkarsh Rhodium Credit Card
Premium card offering 16 annual domestic lounge visits with flat 1.25% cashback on spends.
Know More
Credit Card
Utkarsh SmartGen Credit Card
Entry-level FD-backed card with a low ₹199 renewal fee and flat 1% cashback.
Know More
Credit Card
Amazon Pay ICICI Bank Credit Card
Lifetime-free card offering top-tier cashback for regular Amazon shoppers.
Know More
Credit Card
Axis Bank Cashback Credit Card
Tiered cashback card rewarding online shopping generously with simple, hassle-free credit to your statement.
Know More
Credit Card
Axis Bank SuperMoney RuPay Credit Card
Lifetime-free RuPay card issued against FD, earning 3% cashback on super.money UPI transactions.
Know More
Credit Card
Google Pay Flex Axis Bank Credit Card
Digital-first RuPay card earning instantly redeemable Stars on UPI spends via the Google Pay app.
Know More
Credit Card
Airtel Axis Bank Credit Card
Telecom co-brand offering 25% cashback on Airtel bills plus discounts on Zomato, Blinkit, and utilities.
Know More
Credit Card
CRED IndusInd Bank RuPay Credit Card
Entry-level RuPay card earning 5% CRED Points on e-commerce, travel, and CRED app spends.
Know More
Credit Card
IndusInd Bank Samman RuPay Credit Card
Government employee-exclusive card earning 1% cashback with zero cash withdrawal fees and travel insurance.
Know More
Credit Card
Standard Chartered Smart Credit Card
Cashback card for beginners earning 2% online and 1% offline with a 90-day interest waiver.
Know More
Credit Card
Standard Chartered DigiSmart Credit Card
Low monthly-fee card for millennials offering BOGO movies and 20% off partner shopping brands.
Know More
Credit Card
BOBCARD Cashback Credit Card
Simple cashback card earning 5% online and 1% on everything else with flexible fee options.
Know More
Credit Card
AU Tejas Credit Card
Everyday cashback card focused on movies, groceries, food delivery, cab rides, and bill payments.
Know More
Credit Card
AU Altura Credit Card
Affordable entry-level cashback card with railway lounge access, built for beginners.
Know More
Credit Card
AU Spont Credit Card
An everyday cashback card covering UPI, online, POS and contactless payments with both airport and railway lounge benefits.
Know More
Credit Card
AU InstaPay RuPay Credit Card
A lifetime-free companion card for existing AU cardholders who want cashback on RuPay credit-card UPI payments.
Know More
Credit Card
AU Kosmo Credit Card
A lifetime-free RuPay card centred on cashback for UPI Scan & Pay transactions through the Kiwi ecosystem.
Know More
Credit Card
YES Prosperity Cashback Credit Card
Cashback card offering 5% on movies, grocery, and utility payments with modest travel perks.
Know More
Credit Card
RBL Bank Aspire Banking Credit Card
A zero-fee relationship card for Aspire Banking customers offering direct cashback, quarterly lounge access and annual spend bonuses.
Know More