AU Small Finance BankVisaLifetime FreeXcite Credit Card
3.7NeoFinQ editorial rating
Lifetime free with 15X rewards on dining
- Lifetime free
- 15X points on dining and groceries
- Railway lounge access
- Joining fee
- ₹0
- Annual fee
- ₹0
- Reward type
- points
- Best for
- Lifetime Free
- Est. rewards
- ₹18,500/yr
Our verdict
Excellent for entry-level users prioritizing everyday rewards.
Perfect for
- First-time credit card users
- Dining and grocery spenders
Not ideal for
- Users seeking airport lounge access
Pros & cons
- Lifetime free
- 15X points on dining and groceries
- Railway lounge access
- No airport lounge access
- High forex markup (3.49%)
Rewards
15 Reward Points per ₹100 on Dining, Cinema & Groceries (on birthdays); 3 Reward Points per ₹100 on Dining, Cinema & Groceries; 2 Reward Points per ₹100 on other retail. Points are not earned on fuel, rent, or insurance.
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Travel | 3% |
| Cashback | 3% |
Welcome offer
Amazon Gift Voucher worth ₹500 on first transaction within 60 days
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- 2 railway lounge visits per quarter (8/year)
More benefits
- Welcome Bonus: Amazon Gift Voucher worth ₹500 on first transaction within 60 days
Fees & charges
| Joining fee | ₹0 |
| Annual fee | ₹0 (Lifetime Free) |
Eligibility
Employment
Salaried / Self Employed
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