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AU Xcite Ace Credit Card vs Kiwi Credit Cards Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

AU Xcite Ace Credit Card versus Kiwi Credit Cards compared
FeatureAU Xcite Ace Credit CardAU Xcite Ace Credit CardAU Small Finance Bank5 recent changes →
Kiwi Credit CardsKiwi Credit CardsKiwi, issued by AU Small Finance Bank5 recent changes →
Rewards by spend
Rewards2% on most spends1% base, up to 1.5% on UPI payments
UPI payments (scan and pay)2%1.5%
Online shopping2%1%
Dining and food delivery2%1%
Groceries2%1%
Travel: flights, hotels, trains2%1%
FuelsameEarns nothingEarns nothing
Bills and recharges2%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiums2%Earns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency2%1%
Everything else2%1%
Card identity
Card typesameCashbackCashback
NetworksameRuPayRuPay
Card tierMidEntry
Fees
Joining fee₹749 + GSTFree
Annual fee₹749 + GSTFree
Lifetime freeNoYes
First year freeNoYes
Fee waived at₹2,00,000-
Eligibility
Min age21 years22 years
Max age65 years55 years
Employment typesameBOTHBOTH
Min credit score-720
Rewards
Reward typesameCashbackCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap₹100₹250
Lounge access
Domestic lounge visits8-
International lounge visits0-
Railway lounge visits8-
Lounge conditionSpend Rs 50,000 in the previous quarter for domestic lounge access-
Forex and international
Forex markup3.49%3.5%
UPI rewards
Works on UPIsameYesYes
Interest and charges
Interest rate (monthly)3.75%3.99%
Interest rate (annual)45%47.88%
Redemption
Redemption method-Bank transfer
Redemption fee-₹0
Page content
Eligibility-Age: 18 to 65 years Min. income: ₹15,000/mo Employment: Salaried · Self-employed
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)
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Worth in Rupees at ₹20,000 a Month

AU Xcite Ace Credit Card
Rewards a year
₹4,800
Fee a year
₹0
You keep
₹4,800
Kiwi Credit Cards
Rewards a year
₹2,700
Fee a year
₹0
You keep
₹2,700

At this spend, AU Xcite Ace Credit Card comes out ₹2,100 a year ahead of Kiwi Credit Cards. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

AU Xcite Ace Credit Card
  • Spending ₹16,667 or more a month: the ₹884 fee is waived
  • Flyers: 8 airport lounge visits a year
Kiwi Credit Cards
  • First-time credit card users
  • People who pay mostly by UPI QR codes
  • Anyone wanting a free card to build a credit score

Watch-Outs

AU Xcite Ace Credit Card
  • Skip it if you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹884 fee is then charged
  • Skip it if most of your spending is fuel, rent, education or wallet top-ups: those earn nothing on this card
  • Skip it if you often pay in foreign currency: 3.49% is added to every foreign spend
  • Skip it if you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
Kiwi Credit Cards
  • Headline 5% needs the paid Neon plan and big spends
  • Only about 0.5% on non-UPI online spends
  • Kiwis redeem only in blocks of 500 (Rs 125)
  • 3.5% forex fee makes it poor abroad

Card data sourced via CardAdvisor.in (AU Xcite Ace Credit Card, Kiwi Credit Cards), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, AU Xcite Ace Credit Card or Kiwi Credit Cards?

Kiwi Credit Cards. Kiwi Credit Cards: no annual fee; AU Xcite Ace Credit Card: ₹749. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

AU Xcite Ace Credit Card has the lowest forex markup. AU Xcite Ace Credit Card: 3.49%; Kiwi Credit Cards: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: AU Xcite Ace Credit Card 2%, Kiwi Credit Cards 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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