Is the AU Bank Xcite Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Dining card
- ₹294 fee a year (with GST)
- Fee waived from ₹8,333 a month
- 0.75% base, up to 3.75% on dining
- Some lounge visits a year
- Pays in reward points
- dining: 3.75% back
- groceries: 3.75% back
- spending ₹8,333 or more a month: the ₹294 fee is waived
- flyers: some airport lounge visits a year
- you spend less than ₹8,333 a month (₹1,00,000 a year, rent and wallet loads not counted): the ₹294 fee is then charged
- most of your spending is fuel, rent, education or government payments: those earn nothing on this card
- you rarely spend on dining or groceries: the 3.75% rate applies only there, everything else earns 0.75%
- you often pay in foreign currency: 3.49% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: 3 reward points per ₹100 on other retail spends, online and offline; 2X base points on retail spends made from the 1st to the 5th of each month (applies to base points only)
Also earns nothing on: BBPS bill payments, Quasi-cash, Transportation MCCs (Apr 2026).
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | 0.75% | No cap | The card's normal rate | - |
| Online shopping | 0.75% | No cap | The card's normal rate | - |
| Dining and food delivery | 3.75% | No cap | All merchants in the categoryTerms: 15 reward points per ₹100 on dining and movies (1 point ≈ ₹0.25, so ≈3.75%) | - |
| Groceries | 3.75% | No cap | All merchants in the categoryTerms: 15 reward points per ₹100 on grocery and departmental stores | - |
| Travel: flights, hotels, trains | 0.75% | No cap | The card's normal rate | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 0.25% | No cap | All merchants in the categoryTerms: 1 reward point per ₹100 on utility and telecom spends, capped at 100 reward points per transaction | - |
| Rent | Earns nothing | - | earns nothing on this card | - |
| Insurance premiums | 0.25% | No cap | All merchants in the categoryTerms: 1 reward point per ₹100 on insurance spends | - |
| School and college fees | Earns nothing | - | earns nothing on this card | - |
| Wallet top-ups | 0.75% | No cap | The card's normal rate | - |
| Taxes and government payments | Earns nothing | - | earns nothing on this card | - |
| Spend abroad or in a foreign currency | 0.75% | No cap | The card's normal rate | - |
| Everything else | 0.75% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
Guides in Plain Words
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