Joining Fee:
Apply NowFREE
Return Percentage:0.5% to 1%
Credit Card Overview
An entry-level rewards card focused on shopping and lifestyle spends, offering straightforward cashback and discounts to make everyday spending more rewarding.
Best Suited For: Cashback, Catalogue Products
AU
Fees and charges at a glance
- Annual fee
- Free
- Joining fee
- Free
- Reward rate
- 0.5% to 1%
- Forex markup
- 3.49%
- Interest rate
- 45% p.a.
- Add-on card
- Free
Nothing to pay each year
No cost to get the card
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
AU Xcite credit card — Earn Categories
Other categories
- GroceryF&B · Grocery15 reward points / ₹100
- DiningF&B · Dining15 reward points / ₹100
Everyday rate
- Base Rewards3 Reward Points (reward points) / ₹100
2 more earning categories on this card
We track all 5 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Jewellery
- Rent
- EMI
- Utilities
- Fuel
- Transportation & Tolls
- Wallets