AU Xcite Ultra Credit Card

AU Small Finance Bank · Open to apply

A ₹749 rewards card of AU's SwipeUp Xcite series: 4 points per ₹100 offline, 8 online and 12 international, 2 domestic lounge visits a quarter on ₹50,000 of spend, 8 railway lounge visits a year and 5,000 bonus points on ₹2.5 lakh of yearly spend.

Annual fee
₹749 + GST a year
Joining fee
₹749 + GST
Fee waiver
Annual fee waived on ₹2,00,000 spend per card year
Base rate
Offline spends, 4 points per ₹100: 4 AU reward points per ₹100 (about 0.8% at cash value)
Lounges
Domestic: 2 visits a calendar quarter after ₹50,000 spend; Railway: 8 visits a calendar year
Forex markup
3.49%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • International spends, 12 points per ₹100: 12 AU reward points per ₹100 (about 2.4% at cash value)
  • Online spends, 8 points per ₹100: 8 AU reward points per ₹100 (about 1.6% at cash value)

Earns nothing on

  • No points on cash, rent, education, government, EMI, fuel and tolls
  • No points on railways (transportation)

Terms the calculator does not value

  • The page's feature tile says air accident cover of up to ₹20 lakh and its insurance details say ₹50 lakh (same page); the detail text is entered.
  • "Additional Rewards Every Month": 500 bonus points on retail spends of ₹5,000 done between the 1st and 5th of every calendar month (excluding rent, wallet and fuel), up to 6,000 points a year. The calculator has no day-of-month window.
  • Local commute (MCC 4111) and BBPS earn nothing but have no category here and are valued at the base rate.
  • No document states a redemption value for Xcite Ultra; ₹0.20 is the 2023 voucher rate for all AU cards.

Sources

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