AU XCITE vs Reliance SBI Card

Compare AU XCITE and Reliance SBI Card on annual fees, joining fees, rewards, benefits and important limitations.

AU XCITE

AU Small Finance Bank

15 points per ₹100 on eligible dining, movies, groceries and departmental stores

Annual fee: ₹249 + GST (waived on ₹1 lakh qualifying annual spend)

Joining fee: ₹249 + GST

Network: Issuer-selected variant

AU XCITE is a paid card focused on shopping rewards, dining rewards and online spending, charging ₹249 annually before GST.

SBI Card

10 points per ₹100 on AJIO/JioMart online; 5 at other participating Reliance stores; 1 on other eligible purchases

Annual fee: ₹499 + GST (waived on ₹1 lakh eligible annual spend)

Joining fee: ₹499 + GST

Network: Issuer-selected variant

Reliance SBI Card is a paid card focused on shopping rewards, online spending and dining rewards, charging ₹499 annually before GST.

A higher-fee option to compare for broader benefits around shopping rewards and reward points.
A lower-fee way to compare similar strengths in shopping rewards and reward points.

Facts were last checked 2026-10-09. Follow each card page to the linked issuer terms before applying.