AU Small Finance Bank
AU Xcite Ultra Credit Card
Annual Fee
₹749
Base Reward
4% Reward Points
Foreign Markup
3.49%
Product Highlights
- Earn additional 500 Reward Points per month
- Complimentary railway and airport lounge access
- Get dedicated concierge services
Category Rewards
shopping
8 Reward Points on Online Spend
8 Reward Points on Online Spend
travel
12 Reward Points on International Spend
12 Reward Points on International Spend
other
4 Reward Points on Offline Spend
4 Reward Points on Offline Spend
Fee Waiver
Annual Fee Waiver on Spends of ₹2 Lakh or More
Rewards Details
Earn 4 Reward Points on every offline spend of ₹100, 8 Reward Points on every online spend, and 12 Reward Points on every international spend of ₹100.
- 1 RP = ₹0.25 against statement
Benefits & Features
Domestic: 2 Free Domestic Lounge Visits Each Quarter (Spends of ₹20,000 Each Quarter) 2 complimentary domestic airport lounge access every quarter, capped at 8 visits per year.
Pros & Cons
Pros
- Up to 12 Reward Points on international spends
- Complimentary device protection plan on electronic devices
Cons
- No rewards on rent, fuel, education, government transactions, or wallet reloads
- No welcome benefits
Additional Info
Maximum waiver per statement cycle is capped at ₹200 per month.
Excluded Categories
Fees & Charges
Eligibility
Min Age
21 yrs
Networks
Fee Waiver
Annual Fee Waiver on Spends of ₹2 Lakh or More