AU Bank InstaPay Credit Card VS AU Bank LIT Credit Card VS AU Bank Purchase Credit Card VS AU Bank Xcite Ace Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
AU Bank InstaPay Credit Card
AU Bank LIT Credit Card
AU Bank Purchase Credit Card
AU Bank Xcite Ace Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Lifetime free credit card with no joining or annual charges.
Offers convenience as a virtual credit card for seamless payments.
Provides cashback on UPI spends across various essential categories.
Pros
Key benefits and features.
Highly customizable, allowing users to select and pay for desired features.
Lifetime Free status eliminates annual fees, saving costs on unused benefits.
Offers diverse paid features like accelerated rewards, cashback, and memberships.
Flexibility to activate/deactivate benefits via the AU 0101 App as per need.
Pros
Key benefits and features.
Offers a lifetime free structure, eliminating joining and annual fees for corporates.
Provides customisable spend controls, enhancing business expense management efficiency.
Features an extended interest-free credit period of up to 48 days for financial flexibility.
Includes web-based solutions for automated expense reconciliation and monitoring.
Allows restricting card usage at specific merchant categories for better control.
Pros
Key benefits and features.
Lifetime free card with zero annual membership fee, offering great value.
Enjoy up to 3% cashback on spends, directly adjusted against your outstanding balance.
Complimentary domestic airport and railway lounge access enhances travel experiences.
Comprehensive insurance benefits provide financial security and purchase protection.
Significant dining discounts and a free device protection plan add lifestyle perks.
Cons
Key drawbacks and limitations.
The card's utility is primarily limited to UPI transactions.
It does not offer welcome benefits or complimentary lounge access.
The 1% cashback rate is modest compared to other market offerings.
Cons
Key drawbacks and limitations.
Users must pay for most premium benefits, increasing overall cost if many are chosen.
Requires active management via app to select/deactivate features and avoid auto-renewal.
Penalty fees apply for not meeting spend targets for certain paid memberships.
Unused lounge access and other paid features expire, cannot be carried forward.
Cons
Key drawbacks and limitations.
Lacks traditional reward points, cashback, or air miles programs for users.
Primarily designed for corporate use, offering limited benefits for individual spending.
Specific details on other charges are not explicitly provided in the markdown.
Does not offer lounge access, golf privileges, or comprehensive insurance benefits.
Cons
Key drawbacks and limitations.
Cashback is capped at Rs. 750 per statement cycle, limiting high spenders.
Certain transactions like rent and fuel are ineligible for cashback earnings.
Foreign currency markup of 3.49% is relatively high for international usage.
High interest rate of 45% annually if balances are not paid in full.
Lounge access requires a minimum spend of ₹20,000 each quarter to be eligible.