CardIQIndia
Corroborated — 1 field(s) match across 3+ reference sources (auto). Not human-verified. Confirm with the bank before high-stakes decisions.
38
#63 of 173 in credit
AU Small Finance Bank

AU Xcite Credit Card

creditRuPay

Unverified draft. Details auto-drafted; run admin cross-check to verify.

Score breakdown

Data completeness: 85% · Last verified: 06 Jul 2026

Reward value22/100 · weight 65%
≈ 1.00% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +10.0% score bonus — earns broadly without narrow category restrictions.
Fee efficiency96/100 · weight 11%
Redemption flexibility92/100 · weight 8%
Perks0/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
—
Annual fee
₹249 + 18% GST
= ₹294 / year total
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
fuelcashback1%——
online_spendscashback1%——
diningcashback1%——
travelcashback1%——
groceriescashback1%——
all_spendscashback1%——