AU Xcite Ultra Credit Card
Think of the Xcite Ultra as the points-earning twin of AU Small Finance Bank's Xcite Ace: same ₹749 + GST card body on the RuPay rails, but the accelerators are sorted by where you swipe rather than what you buy. Offline purchases bank 4 reward points per ₹100 spent, online checkouts double that to 8 per ₹100, and anything billed internationally jumps to 12 per ₹100 — utility bills, telecom recharges and insurance premiums sit at a flat 1 point per ₹100 regardless of channel. Two milestone bonuses run alongside the base earn: 500 points for hitting ₹5,000 of spend in the first five days of any month, and a larger 5,000-point payout for crossing ₹2.5 lakh across a full card-anniversary year. Quarterly airport lounge entry (two visits) opens up once the prior quarter's spend clears ₹50,000, and the annual fee itself drops away entirely if you put ₹2,00,000 through the card in a year.
Key features
A quick rundown of what actually makes this card worth carrying.
3% on International
12 reward points per ₹100 on international spends — works out to about 3% at ₹0.25 a point, though still below the 3.49% forex markup
2% on Online Shopping
8 reward points per ₹100 on online spends (roughly 2% at ₹0.25 a point)
️ Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
The ₹749 + 18% GST (₹884 all-in) yearly fee disappears once you spend ₹2,00,000 in a year
24x7 Concierge
On-call concierge support for travel, dining and event bookings
Fuel Surcharge Waiver
1% surcharge waived on fuel purchases, up to ₹200 a month
Milestone Bonus
About ₹1,250 in extra rewards for hitting the annual spend targets
UPI Linked
Connects to PhonePe, GPay or Paytm so UPI payments earn credit card rewards too
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| International | reward points | 3% | — |
| Online Shopping | reward points | 2% | — |
| Other | reward points | 1% | — |
| Utility Bills | reward points | 0.25% | — |
| Insurance | reward points | 0.25% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹884 |
| Joining fee (incl. 18% GST) | ₹884 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1%, cap ₹200 |
Perks & benefits
Beyond the reward points, here's what the card adds up to — roughly ₹7,550 a year in extras.
️ lounge access ~ ₹4,000 /yr
Two complimentary domestic airport lounge visits each quarter, unlocked by ₹50,000 of spend in the previous quarter (effective 10 Apr 2026)
️ lounge access ~ ₹1,500 /yr
Two complimentary railway lounge visits per quarter (8 annually) — no spend condition attached, unlike the airport benefit
milestone bonus ~ ₹1,250 /yr
A 5,000-point bonus for ₹2.5 lakh of spend across a card-anniversary year (separate from the recurring 500-point bonus tied to the 1st–5th spend window, covered above)
fuel waiver ~ ₹800 /yr
1% fuel surcharge waived on transactions between ₹400 and ₹5,000, up to ₹200 per billing cycle
️ insurance
Air accident cover (AU's materials list ₹50 lakh in the fine print but ₹20 lakh on the benefit tile), credit shield up to ₹2 lakh, purchase protection up to ₹25,000, plus baggage and flight-delay cover and extended-warranty device protection
concierge
On-call concierge support for travel, dining and event bookings
Spend milestone
· ₹2,50,000 a year ₹1,250 of value
Should you get it?
Best for: Online-first RuPay/UPI spenders, Users who can time spends to the monthly bonus window
Mid tier — works well as a steady everyday earner.
Delivers the most value if a large share of your spend is International ( 3% back).
Regular travellers get added value from the built-in airport lounge access.
✓ Pros
- 8 reward points per ₹100 (about 2%) on online purchases
- Two separate milestone bonuses — monthly and annual
- Quarterly domestic airport lounge access (spend-gated) plus railway lounge access, works over RuPay/UPI
- Complimentary Times Prime membership and Alaya Stays perks — current curated offers without a fixed ₹ value
✕ Cons
- The headline 12-point rate only applies to international spends, where the 3.49% forex markup cancels out most of the ~3% earn
- Everyday offline spending earns just 4 points per ₹100, around 1% at AU's ₹0.25 valuation
- Lounge access requires clearing ₹50,000 of spend in the prior quarter
Eligibility & documents
Age
21–65 years
Min. income
₹20,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
A few different ways to turn your points into something usable.
🎁 Online rewards catalogue (vouchers, merchandise)
🎁 Flight & hotel bookings through the issuer's rewards portal
🎁 Statement credit / cashback adjustment
What your AU Reward Points are worth
What each point actually converts to, by redemption route — this gap is where most cardholders leave money on the table.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern That headline 12-points-per-₹100 rate is limited to international spends, and there the 3.49% forex markup more than offsets the ~3% you earn — for regular offline spending, the real return is closer to a plain 1%.
The bottom line
The channel-based earning here rewards digital spenders best: 8 points per ₹100 online works out to roughly 2% back, which outpaces what the Ace's cashback milestones deliver for someone who shops mostly online. Don't be swayed by the flashy 12-point international rate — at about 3%, it's still eaten alive by the 3.49% forex markup.
Sources & verification
Fees, reward rates, and benefits for the AU Xcite Ultra Credit Card come from AU Small Finance Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 7 Aug 2026 . Reviewed by the SarvCred Editorial Team . Always confirm current details on the issuer's site before applying. How we research →
Independence. SarvCred is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for AU Small Finance Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Frequently asked questions
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