AU Traverse vs Xcite Ultra Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  AU Traverse Credit CardAU Small Finance Bank4 recent changes → |  AU Xcite Ultra Credit CardAU Small Finance Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.5% base, up to 1% on foreign spends | 1% base, up to 3% on foreign spends | |
| UPI payments (scan and pay) | Earns nothing | 1% | |
| Online shopping | 0.5% | 2% | |
| Dining and food delivery | 0.5% | 1% | |
| Groceries | 0.5% | 1% | |
| Travel: flights, hotels, trains | 0.5% | 1% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and rechargessame | 0.25% | 0.25% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 0.5% | 0.25% | |
| School and college feessame | Earns nothing | Earns nothing | |
| Wallet top-ups | 0.5% | 1% | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | 1% | 3% | |
| Everything else | 0.5% | 1% | |
| Card identity | |||
| Card typesame | International | International | |
| Network | Visa | RuPay | |
| Card tier | Premium | Mid | |
| Fees | |||
| Joining fee | ₹4,999 + GST | ₹749 + GST | |
| Annual fee | ₹4,999 + GST | ₹749 + GST | |
| Fee waived at | ₹6,00,000 | ₹2,00,000 | |
| Eligibility | |||
| Min age | 18 years | 21 years | |
| Max age | 75 years | 65 years | |
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | ₹250 | ₹100 | |
| Lounge access | |||
| Domestic lounge visitssame | 8 | 8 | |
| International lounge visits | 8 | 0 | |
| Railway lounge visits | - | 8 | |
| Lounge condition | 2 complimentary domestic and international airport lounge visits per quarter | Spend Rs 50,000 in the previous quarter for domestic lounge access | |
| Forex and international | |||
| Forex markup | 0.99% | 3.49% | |
| UPI rewards | |||
| Works on UPI | No | Yes | |
| Interest and charges | |||
| Interest rate (monthly)same | 3.75% | 3.75% | |
| Interest rate (annual)same | 45% | 45% | |
| Page content | |||
| Documents needed | Passport and valid visa / NRI status proof PAN card or Form 60 NRE banking account and NRE Fixed Deposit account with AU Small Finance Bank Overseas / Indian address proof | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹1,500
- Fee a year
- - ₹5,899
- You keep
- - ₹2,622
- Rewards a year
- ₹3,600
- Fee a year
- ₹0
- You keep
- ₹3,607
At this spend, AU Xcite Ultra Credit Card comes out ₹6,229 a year ahead of AU Traverse Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Foreign spends: 1% back
- Spending ₹50,000 or more a month: the ₹5,899 fee is waived
- Flyers: 16 airport lounge visits a year
- Spending abroad: 0.99% markup, most cards add 3.5%
- Foreign spends: 3% back
- Online shopping: 2% back
- Spending ₹16,667 or more a month: the ₹884 fee is waived
- Flyers: 8 airport lounge visits a year
Watch-Outs
- Skip it if you spend less than ₹50,000 a month (₹6,00,000 a year, rent and wallet loads not counted): the ₹5,899 fee is then charged
- Skip it if most of your spending is fuel, rent, education or government payments: those earn nothing on this card
- Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- Skip it if you rarely spend on foreign spends: the 1% rate applies only there, everything else earns 0.5%
- Skip it if you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹884 fee is then charged
- Skip it if most of your spending is fuel, rent, education or government payments: those earn nothing on this card
- Skip it if you rarely spend on foreign spends: the 3% rate applies only there, everything else earns 1%
- Skip it if you often pay in foreign currency: 3.49% is added to every foreign spend
Card data sourced via CardAdvisor.in (AU Traverse Credit Card, AU Xcite Ultra Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, AU Traverse Credit Card or AU Xcite Ultra Credit Card?
AU Xcite Ultra Credit Card. AU Xcite Ultra Credit Card: ₹749; AU Traverse Credit Card: ₹4,999. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
AU Traverse Credit Card has the lowest forex markup. AU Traverse Credit Card: 0.99%; AU Xcite Ultra Credit Card: 3.49%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: AU Xcite Ultra Credit Card 1%, AU Traverse Credit Card 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Which gives airport lounge access?
AU Traverse Credit Card: 8 domestic lounge visits a year; AU Xcite Ultra Credit Card: 8 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
Other Comparisons
- AU Traverse Credit Card vs AU Zenith Credit CardSide by side →
- AU Traverse Credit Card vs AU Zenith Plus Credit CardSide by side →
- AU Traverse Credit Card vs Axis Bank Olympus Credit CardSide by side →
- AU Xcite Ultra Credit Card vs AU Zenith Credit CardSide by side →
- AU Xcite Ultra Credit Card vs AU Zenith Plus Credit CardSide by side →
- AU Xcite Ultra Credit Card vs Axis Bank Olympus Credit CardSide by side →
We earn a commission if you are approved, and you pay nothing extra. How we make money.
Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹5,000 a Year in India (2026)Credit cards with an annual fee of ₹5,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →
