AU Xcite Credit Card

Consumers can earn 15 Reward Points for every Rs. 100 spent on dining, grocery shopping, movies, and departmental stores. These are the cards highest reward categories, making it a good option for everyday spends.

The annual fee of Rs. 249 + taxes is waived if you spend Rs. 1 lakh or more in a calendar year using the card.

No. The card does not offer complimentary airport lounge access. Instead, it offers 8 complimentary railway lounge visits per year, with a maximum of 2 visits per quarter.

Yes. Consumers can earn 1 Reward Point per Rs. 100 spent on eligible insurance premium payments, utility bills, and telecom transactions.

Yes. Transactions worth Rs. 2,000 or more can be converted into EMIs. You can also club up to 20 billed or unbilled transactions for EMI conversion, subject to the banks terms and conditions.

Yes. With its low annual fee, accelerated rewards on daily spending categories, railway lounge access, fuel surcharge waiver, and fee waiver milestone, AU Xcite Credit Card is a suitable option for first-time cardholders looking for value without paying a high annual fee.