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AU Xcite Ace vs SBI Cashback Credit Card 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 SBI Cashback Credit Card compared
FeatureAU Xcite Ace Credit CardAU Xcite Ace Credit CardAU Small Finance Bank5 recent changes →
SBI Cashback Credit CardSBI Cashback Credit CardState Bank of India5 recent changes →
Rewards by spend
Rewards2% on most spends1% base, up to 5% on online shopping
UPI payments (scan and pay)2%Earns nothing
Online shopping2%5%
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 typeCashbackShopping
NetworkRuPayVisa
Card tiersameMidMid
Fees
Joining fee₹749 + GST₹999 + GST
Annual fee₹749 + GST₹999 + GST
Fee waived atsame₹2,00,000₹2,00,000
Eligibility
Min age21 years-
Max age65 years-
Employment typesameBOTHBOTH
Min credit score-650
Rewards
Reward typesameCashbackCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver capsame₹100₹100
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 UPIYesNo
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Eligibility-Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 30,000 Credit Score: 650+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photo
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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
SBI Cashback Credit Card
Rewards a year
₹4,800
Fee a year
₹0
You keep
₹4,800

At this spend the two come out level. 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
SBI Cashback Credit Card
  • Heavy online shoppers
  • People who want plain cashback, not points
  • Shoppers who use many different websites

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
SBI Cashback Credit Card
  • No cashback on utilities, insurance, fuel, rent, wallets or EMIs
  • 5% stops after Rs 40,000 online spend a month
  • No airport lounge access
  • 3.5% forex fee

Card data sourced via CardAdvisor.in (AU Xcite Ace Credit Card, SBI Cashback Credit Card), 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 SBI Cashback Credit Card?

AU Xcite Ace Credit Card. AU Xcite Ace Credit Card: ₹749; SBI Cashback Credit Card: ₹999. 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%; SBI Cashback Credit Card: 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%, SBI Cashback Credit Card 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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