AU Small Finance BankVisaLifetime FreeXcite Ace Credit Card
3.7NeoFinQ editorial rating
Lifetime free with cashback and dual lounge access
- Lifetime Free
- Up to 3% cashback
- Airport + railway lounge access
- Joining fee
- ₹0
- Annual fee
- ₹0
- Reward type
- cashback
- Best for
- Cashback
- Est. rewards
- ₹18,500/yr
Our verdict
Excellent for cashback + lounge access without annual fees.
Perfect for
- Cashback seekers
- Lounge access without annual fees
Not ideal for
- International travel-focused users
Pros & cons
- Lifetime Free
- Up to 3% cashback
- Airport + railway lounge access
- Limited rewards on rent and fuel
- No international lounge access
Rewards
3% cashback on Dining, Movies, Groceries; 2% cashback on other POS transactions; 1% cashback on other retail; 3% on Merchant EMI. Monthly cap of ₹500.
| Category | Earn rate |
|---|---|
| Dining | 5% |
| Travel | 3% |
| Groceries | 5% |
| Cashback | 5% |
Benefits
Airport lounge
- 1 domestic lounge visits/yr
Travel
- 1 domestic airport lounge visit per quarter (subject to spend of ₹20,000 in previous quarter); 2 railway lounge visits per quarter.
Fees & charges
| Joining fee | ₹0 |
| Annual fee | ₹0 (Lifetime Free) |
Eligibility
Employment
Salaried / Self Employed
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