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AU Xcite Ace vs SBM ZET 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 SBM ZET Credit Card compared
FeatureAU Xcite Ace Credit CardAU Xcite Ace Credit CardAU Small Finance Bank5 recent changes →
SBM ZET Credit CardSBM ZET Credit Card4 recent changes →
Rewards by spend
Rewardssame2% on most spends2% on most spends
UPI payments (scan and pay)same2%2%
Online shoppingsame2%2%
Dining and food deliverysame2%2%
Groceriessame2%2%
Travel: flights, hotels, trainssame2%2%
FuelEarns nothingNot stated
Bills and recharges2%Not stated
RentEarns nothingNot stated
Insurance premiums2%Not stated
School and college feesEarns nothingNot stated
Wallet top-upsEarns nothingNot stated
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currencysame2%2%
Everything elsesame2%2%
Card identity
Card typeCashbackSecured
NetworksameRuPayRuPay
Card tierMidEntry
Fees
Joining fee₹749 + GSTFree
Annual fee₹749 + GSTFree
Lifetime freeNoYes
Fee waived at₹2,00,000-
Eligibility
Min age21 years18 years
Max age65 years-
Employment typesameBOTHBOTH
Rewards
Reward typesameCashbackCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap₹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%2.49%
UPI rewards
Works on UPIsameYesYes
UPI note-2% on ZET UPI payments only with the paid ZET Plus plan (Rs 3 a day plus GST).
Interest and charges
Interest rate (monthly)3.75%3.5%
Interest rate (annual)45%42%
Page content
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
ApplyApply NowApply Now

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
SBM ZET 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
SBM ZET Credit Card
  • First-time borrowers with no credit history
  • Students and new earners
  • People rebuilding a low credit score
  • UPI users who want a credit line

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
SBM ZET Credit Card
  • Credit limit is capped at 90% of your deposit
  • UPI cashback needs the paid ZET Plus plan
  • Food delivery discounts are small and capped

Card data sourced via CardAdvisor.in (AU Xcite Ace Credit Card, SBM ZET 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 SBM ZET Credit Card?

SBM ZET Credit Card. SBM ZET Credit Card: 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?

SBM ZET Credit Card has the lowest forex markup. SBM ZET Credit Card: 2.49%; AU Xcite Ace Credit Card: 3.49%. 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%, SBM ZET Credit Card 2%. 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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