AU Small Finance Bank
AU Xcite Ultra Credit Card
Annual Fee
₹884₹749 + GSTBase 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
Specialty
8X RP on online spends
8X
Specialty
12X RP on international spends
12X
utilities
1 RP utility/insurance/telecom
0.25X
Specialty
1 RP utility/insurance/telecom
0.25X
Specialty
1 RP utility/insurance/telecom
0.25X
Fee Waiver
Annual Fee Waiver on Spends of ₹2 Lakh or More
Reward Calculator
Earns ₹2,206/year (net)
Modest gain. Solid hold if you like the perks.
₹19K
across all your buckets
12.4K
AU Reward Points
₹3.1K
via standard · ₹0.25/pt
Effective rate
1.36%
Annual fee
₹884
Year 1 net
+₹2,206
Year 2+ net
+₹2,206
ongoing
Adjust your spend by reward bucket
4 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
5,000 RP
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
cash, rent, education, government, emi, fuel, bbps, quasi cash
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
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
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Fees & Charges
Eligibility
Min Age
21 yrs
Networks
Fee Waiver
Annual Fee Waiver on Spends of ₹2 Lakh or More