AU Bank Xcite Ultra Credit Card
Updated 3 Jul 2026Source-linked
The AU Bank Xcite Ultra Credit Card is a mid credit card from AU Small Finance Bank, with a joining fee of ₹749 + GST.
Cardholders get 2 quarterly domestic airport lounge access.
AU Bank Xcite Ultra Credit Card
- Joining Fee₹749
- Annual Fee₹749
- Best Suited ForEveryday spends
- Reward TypeReward Points (points)
Rewards Rate
- Base rate 0.44%
Welcome Benefits
- Not applicable
Data verified 3 Jul 2026 — see our methodology
AUsignaturemidRewards and Benefits
Rewards Rate
Base 0.44% on other spends.
Reward Redemption
AU Rewardz: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
- ₹5,000 / monthly: Additional 500 Reward Points on ₹5,000 spend between 1st-5th of the calendar month
- ₹2,50,000 / annual: Bonus Reward Points on ₹2.5 lakh retail spend
Domestic Lounge Access
2 visits each quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
- air accident: ₹20,00,000
Other Benefits
- Device Protection Plan — Complimentary device protection plan.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.4% = ₹66/mo
- Groceries₹8,000 · 0.4% = ₹35/mo
- Dining & food delivery₹8,000 · 0.4% = ₹35/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.4% = ₹44/mo
- Utilities & bills₹5,000 · 0.4% = ₹22/mo
Est.net rewards for this spend, realistic
₹2,429/yr₹2,429 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
₹2,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.49%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹200 per monthly.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
Product Details
- mid card issued by AU Small Finance Bank.
- Joining / annual fee of ₹749 + GST, waived on annual spends of ₹2,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (2/quarterly).
- Insurance cover bundled: air accident.
Pros & Cons
Pros
- Annual fee waivable on ₹2,00,000 spend.
- Complimentary domestic airport lounge access (2/quarterly).
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
- No rewards on fuel spends.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Milestone benefits
- ₹5,000 / monthly: Additional 500 Reward Points on ₹5,000 spend between 1st-5th of the calendar month (≈ ₹125 value)
- ₹2,50,000 / annual: Bonus Reward Points on ₹2.5 lakh retail spend (≈ ₹250 value)
Airport lounge access
Domestic
2 visit(s) / quarterly. Via visa.
2 domestic lounge visits per quarter; plus complimentary Railway Lounge (max 2 per calendar quarter).
Insurance benefits
- air accident: ₹20,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹200 per monthly.
Other benefits
- Device Protection Plan. Complimentary device protection plan.
Sources
- : www.au.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 730+
- Income (salaried)
- ₹4,00,000 p.a.
- Income (self-employed)
- ₹4,00,000 p.a.