CheQ AU Credit Card VS AU Bank LIT Credit Card VS AU Bank Xcite Ace Credit Card VS AU Bank Xcite Ultra Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
CheQ AU Credit Card
AU Bank LIT Credit Card
AU Bank Xcite Ace Credit Card
AU Bank Xcite Ultra Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
India's first LED-enabled credit card offers a unique and visually engaging payment experience.
High reward rates up to 12% on popular brands and categories like shopping, travel, and utilities.
Lifetime free for the standard variant, making it an attractive option with no annual fees.
Receive both a Visa (LED) and RuPay card with a single application, offering great versatility.
Uncapped base rewards ensure continuous earning even after reaching accelerated rewards limits.
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.
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.
Pros
Key benefits and features.
Offers high reward rates, especially 12 Reward Points per ₹100 on international transactions.
Generous monthly and annual milestone bonuses significantly boost overall reward earnings.
Extensive travel benefits include complimentary domestic airport and railway lounge access.
Comprehensive insurance coverage provides substantial financial protection and peace of mind.
Valuable device protection plan and extended warranty on electronic purchases are included.
Cons
Key drawbacks and limitations.
Accelerated rewards are capped at 12,000 CheQ points per month, limiting high spenders.
Rewards are not applicable on several categories like fuel, education, gold, and rent payments.
Optional LED card incurs a one-time issuance fee of ₹999 + GST, which is an additional cost.
Interest rate on revolving credit is high at 3.75% per month (45% per annum), typical of the category.
No domestic or international airport lounge access on this card.
Applications for the LED card opened on April 28, 2026; the LED variant is now live on the CheQ app.
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.
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.
Cons
Key drawbacks and limitations.
A rewards redemption fee of ₹99 + GST is applicable for every redemption transaction.
High foreign currency markup of 3.49% makes international spending less attractive.
No reward points are earned on key categories like rent, fuel, education, and wallet reloads.
Complimentary railway lounge access is restricted to only a few selected cities in India.
The card's availability is primarily through the AU SwipeUp platform for existing users.