◉
DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Research coverage — 15/16 categories
AU

Xcite ACE

Best forInsurance & Utilities
EarnsMILESTONE_CASHBACK RP/₹100 on insurance
1st Year / Joining Fee
₹749 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,00,000
annual spend
Network
Not recorded

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on insurance and utilities, where it earns MILESTONE_CASHBACK RP/₹100
  • Annual fee is waived at ₹2,00,000 yearly spend

How you earn

Reward rates at a glance — exactly as recorded for this card.

InsuranceMILESTONE_CASHBACK RP/₹100
UtilitiesMILESTONE_CASHBACK RP/₹100
GroceriesMILESTONE_CASHBACK RP/₹100
DiningMILESTONE_CASHBACK RP/₹100
Food DeliveryMILESTONE_CASHBACK RP/₹100
All 16 reward categories · 15 of 16 categories verified
CategoryRateCapCondition
RentNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Rent (MCC 6513) earns no reward points. 1% fee (min ₹99) applies.
EducationNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Education earns no reward points. Direct school/college POS/web no fee; third-party apps 1% fee (min ₹99).
InsuranceMILESTONE_CASHBACK RP/₹100₹600 per statementAU Xcite ACE: Up to 3% milestone cashback
Details
Status
Verified
Source
SRC-AU-14
Issuer note
AU Xcite ACE: Up to 3% milestone cashback. 1% ₹7.5k / 2% ₹12.5k / 3% ₹20k ladder and ₹600 cap remain SECONDARY_VERIFIED.
UtilitiesMILESTONE_CASHBACK RP/₹100₹600 per statementAU Xcite ACE: Up to 3% milestone cashback
Details
Status
Verified
Source
SRC-AU-14
Issuer note
AU Xcite ACE: Up to 3% milestone cashback. 1% ₹7.5k / 2% ₹12.5k / 3% ₹20k ladder and ₹600 cap remain SECONDARY_VERIFIED.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Fuel transactions do not earn reward points. 1% surcharge waiver applies on eligible transactions.
GroceriesMILESTONE_CASHBACK RP/₹100₹600 per statementAU Xcite ACE: Up to 3% milestone cashback
Details
Status
Verified
Source
SRC-AU-14
Issuer note
AU Xcite ACE: Up to 3% milestone cashback. 1% ₹7.5k / 2% ₹12.5k / 3% ₹20k ladder and ₹600 cap remain SECONDARY_VERIFIED.
DiningMILESTONE_CASHBACK RP/₹100₹600 per statementAU Xcite ACE: Up to 3% milestone cashback
Details
Status
Verified
Source
SRC-AU-14
Issuer note
AU Xcite ACE: Up to 3% milestone cashback. 1% ₹7.5k / 2% ₹12.5k / 3% ₹20k ladder and ₹600 cap remain SECONDARY_VERIFIED.
Food DeliveryMILESTONE_CASHBACK RP/₹100₹600 per statementAU Xcite ACE: Up to 3% milestone cashback
Details
Status
Verified
Source
SRC-AU-14
Issuer note
AU Xcite ACE: Up to 3% milestone cashback. 1% ₹7.5k / 2% ₹12.5k / 3% ₹20k ladder and ₹600 cap remain SECONDARY_VERIFIED.
ShoppingMILESTONE_CASHBACK RP/₹100₹600 per statementAU Xcite ACE: Up to 3% milestone cashback
Details
Status
Verified
Source
SRC-AU-14
Issuer note
AU Xcite ACE: Up to 3% milestone cashback. 1% ₹7.5k / 2% ₹12.5k / 3% ₹20k ladder and ₹600 cap remain SECONDARY_VERIFIED.
TravelMILESTONE_CASHBACK RP/₹100₹600 per statementAU Xcite ACE: Up to 3% milestone cashback
Details
Status
Verified
Source
SRC-AU-14
Issuer note
AU Xcite ACE: Up to 3% milestone cashback. 1% ₹7.5k / 2% ₹12.5k / 3% ₹20k ladder and ₹600 cap remain SECONDARY_VERIFIED.
Government——Partially verified
Details
Status
Partially verified
Issuer note
PENDING: AU Credit Card Member Agreement §23.5.1 says Govt transactions earn no Reward Points, but this variant is not named in the agreement capping table or has its own program terms, and its product-page record (previously ELIGIBLE) could not be re-read. Conflict between official sources — not assumed either way.
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Wallet reload earns no reward points.
RailwaysMILESTONE_CASHBACK RP/₹100₹600 per statementAU Xcite ACE: Up to 3% milestone cashback
Details
Status
Verified
Source
SRC-AU-14
Issuer note
AU Xcite ACE: Up to 3% milestone cashback. 1% ₹7.5k / 2% ₹12.5k / 3% ₹20k ladder and ₹600 cap remain SECONDARY_VERIFIED.
FASTagMILESTONE_CASHBACK RP/₹100₹600 per statementAU Xcite ACE: Up to 3% milestone cashback
Details
Status
Verified
Source
SRC-AU-14
Issuer note
AU Xcite ACE: Up to 3% milestone cashback. 1% ₹7.5k / 2% ₹12.5k / 3% ₹20k ladder and ₹600 cap remain SECONDARY_VERIFIED.
JewelleryMILESTONE_CASHBACK RP/₹100₹600 per statementAU Xcite ACE: Up to 3% milestone cashback
Details
Status
Verified
Source
SRC-AU-14
Issuer note
AU Xcite ACE: Up to 3% milestone cashback. 1% ₹7.5k / 2% ₹12.5k / 3% ₹20k ladder and ₹600 cap remain SECONDARY_VERIFIED.
TelecomMILESTONE_CASHBACK RP/₹100₹600 per statementAU Xcite ACE: Up to 3% milestone cashback
Details
Status
Verified
Source
SRC-AU-14
Issuer note
AU Xcite ACE: Up to 3% milestone cashback. 1% ₹7.5k / 2% ₹12.5k / 3% ₹20k ladder and ₹600 cap remain SECONDARY_VERIFIED.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹749 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,00,000
annual spend
Reward caps
  • Multiple — ₹600 / statement (shared cap — Multiple)

Key benefits

Rewards
MILESTONE_CASHBACK RP/₹100 on insurance
Milestone benefit
Up to 3% milestone cashback (1% ₹7.5k, 2% ₹12.5k, 3% ₹20k
Fee waiver
Annual fee waived on ₹2,00,000 annual spend

Important to know

Limits and exclusions that change what you earn.

  • Multiple rewards are capped at ₹600 / statement (shared cap — Multiple)
  • No reward on: Rent, Education, Fuel, Wallet
  • Partially verified: Government

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in insurance, utilities, groceries
  • You can reach the ₹2,00,000 annual spend that waives the fee
△ Less useful if
  • Much of your spending is in rent, education, fuel, which earn nothing
  • You cannot reach the fee-waiver spend and would pay the annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 4 no-reward categories
Caps
  • Multiple — ₹600 / statement (shared cap — Multiple)
Categories with no reward or not eligible
  • Rent — No reward.
  • Education — No reward.
  • Fuel — No reward.
  • Wallet — No reward.
Milestones · 1 recorded
  • Milestone — Up to 3% milestone cashback (1% ₹7.5k, 2% ₹12.5k, 3% ₹20k; ₹600 cap).
Eligibility

Subject to AU's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: Not recorded
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 5 areas

5 areas need further verification. None of these are counted as zero.

  • • Government — partially verified
  • • Lounge benefit — not recorded; check the issuer terms
  • • Fuel surcharge waiver — not recorded; check the issuer terms
  • • Foreign-currency markup — not recorded; check the issuer terms
  • • Payment network — not recorded

Sources & verification

Verification & sources · last checked 2026-09-23

Verification coverage: 15 of 16 categories verified · 1 still being verified

Card record last checked: 2026-09-23

Documents used
AU Small Finance Bank — Xcite ACE Official Product Documentation · SRC-AU-14 · 2026-09-23
Xcite ACE₹749 1st year