AU Xcite Ace Credit Card
1% at ₹7,500 / 2% at ₹12,500 / 3% at ₹20,000 eligible statement spend; ₹600 cycle cap. Standard ₹749+GST membership charge deducted.
Try your spend →How this estimate works
Ordinary eligible statement-spend model. The current issuer benefits popup confirms 1% cashback once monthly eligible statement spend reaches ₹7,500, 2% at ₹12,500, and 3% at ₹20,000, with a ₹600 cashback cap per statement cycle. The selected spend is treated as the entire eligible monthly statement spend, repeated for twelve months, not a standalone purchase alongside other spending. Below ₹7,500 the milestone cashback is zero. The highest qualifying tier is applied to eligible statement spending, not added to the other tiers. Wallet loads/spends, cash, rent, education/government, EMI, fuel, BBPS and quasi-cash do not qualify; the calculator leaves those and special merchant routes unscored. The current named page and key fact statement give ₹749+GST standard card membership fee. This model deducts one ₹749+18% GST membership charge, with no first-year fee waiver assumed. From the second year the page permits a next-year annual fee waiver after ₹2 lakh eligible retail spend in the previous anniversary year; that prior-year test is disclosed, not inferred from this scenario. Lounge access, insurance, device protection, dining offers, welcome promotions and fuel surcharge savings are omitted. The fuel waiver cap changes from ₹200 to ₹100 per statement cycle on 1 October 2026; neither is counted. Confirm actual qualifying transactions and the fee quoted to you.
Issuer sources
Named card and cashback popup · Current key fact statement
Checked 30 September 2026. Current ₹600 cap and paid ₹749 fee, not older ₹750-cap or lifetime-free claims. Fuel, welcome and other package benefits omitted.