AU Small Finance Bank

AU Xcite Ultra Credit Card

Data last verified: 11 October 2026

InternationalRUPAY

Joining fee₹749 + GST
Annual fee₹749 + GST
Reward rate1% base, up to 3% on foreign spends

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Joining fee₹749 + GST
Annual fee₹749 + GST
Fee waiverOn ₹2 lakh spend a year
Forex markup3.49%
Interest (APR)3.75% a month, 45% a year
Fuel surcharge waiver1%
Fuel waiver cap₹100 a month

01AU Xcite Ultra Credit Card Rewards and Benefits

Rewards rate: 1% base, up to 3% on foreign spends
Fee waived on: ₹2 lakh spend a year
Reward redemption: Not published
Dining: 1% back (the normal rate)
Travel: 1% back (the normal rate)
Golf: Not included
Domestic lounge: 8 visits a year
International lounge: Not included
Insurance benefits: Not included

02AU Xcite Ultra Credit Card Annual Fee and Charges

Joining fee: ₹749 + GST
Annual fee: ₹749 + GST
Spend-based waiver: Annual fee waived on ₹2 lakh spend in a year (rent and wallet loads not counted)
Rewards redemption fee: Nil
Forex markup: 3.49%
Interest rate: 3.75% a month (45% a year)
Fuel surcharge waiver: Yes, up to ₹100 a month
Card replacement: Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

₹5,000 on spend abroad or in a foreign currency, earning 3%₹150
₹15,000 on everything else, earning 1%₹150
Back each month, ₹3,600 a year₹300
Annual fee with 18% GST (waived at this spend)₹0
In your pocket each year₹3,607

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

Good for

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

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
most of your spending is fuel, rent, education or government payments: those earn nothing on this card
you rarely spend on foreign spends: the 3% rate applies only there, everything else earns 1%
you often pay in foreign currency: 3.49% is added to every foreign spend
you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward

04How AU Xcite Ultra Credit Card earns Rewards

1% base, up to 3% on foreign spends.

Earns nothing onRentEducationGovernmentEMIFuelCash withdrawalsBBPS bill paymentsQuasi-cashTransportation MCCs (Apr 2026)

Spend category	Rate	Monthly cap	Where it applies
UPI payments (scan and pay)	1%	No cap	The card's normal rate
Online shopping	2%	No cap	All merchants in the categoryTerms: 8 reward points per ₹100 on online spends (≈2% at ₹0.25 a point)
Dining and food delivery	1%	No cap	The card's normal rate
Groceries	1%	No cap	The card's normal rate
Travel: flights, hotels, trains	1%	No cap	The card's normal rate
Fuel	Earns nothing	-	earns nothing on this card
Bills and recharges	0.25%	No cap	All merchants in the categoryTerms: 1 reward point per ₹100 on utility and telecom spends, capped at 100 reward points per transaction
Rent	Earns nothing	-	earns nothing on this card
Insurance premiums	0.25%	No cap	All merchants in the categoryTerms: 1 reward point per ₹100 on insurance spends
School and college fees	Earns nothing	-	earns nothing on this card
Wallet top-ups	1%	No cap	The card's normal rate
Taxes and government payments	Earns nothing	-	earns nothing on this card
Spend abroad or in a foreign currency	3%	No cap	All merchants in the categoryTerms: 12 reward points per ₹100 on international spends, ≈3% at ₹0.25 a point, still below the 3.49% forex markup
Everything else	1%	No cap	The card's normal rate

Listed underInternational cards Rewards cards Shopping cards

CardAdvisor tagsInternationalOnline shoppingReward points

Terms on the base rate. Earns by channel, this base row is the 4 reward points per ₹100 on offline spends; online spends earn 8 per ₹100, international 12, and utility, telecom and insurance 1

Point value. 1 point is worth about ₹0.25 at the bank's stated value.

05AU Xcite Ultra Credit Card Lounge Access and Travel

Domestic lounge access is 8 visits a year. Railway lounges: 8 visits a year. Spend Rs 50,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.49% forex markup; rewards on it: 3% back. See what it costs on your trip

Also on the card. concierge service, fuel surcharge waiver, insurance cover, airport lounge access, milestone bonuses.

Concierge service: Dedicated concierge services for travel, dining and event bookings
Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹100 per cycle since 1 October 2026 (₹200 before)
Insurance cover: Air accident cover (AU's page states ₹50 lakh in its detail note and ₹20 lakh in its benefit tile), credit shield up to ₹2 lakh and purchase protection up to ₹25,000, plus baggage and flight-delay covers and device protection with extended warranty
Airport lounge access: 2 complimentary domestic airport lounge visits per quarter on ₹50,000 spend in the previous quarter (w.e.f. 10 Apr 2026)
Airport lounge access: 2 complimentary railway lounge visits per quarter (8 a year), unconditional, unlike the spend-gated airport visits
Milestone bonuses: 5,000 reward points on ₹2.5 lakh of spend in a card anniversary year (the separate 500-point bonus for ₹5,000 spent in the 1st-5th window is a recurring offer, described above)

06AU Xcite Ultra Credit Card Eligibility and Documents

Age: 21 to 65 years
Employment: Salaried or self-employed

Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph

07Recent Changes

What AU Small Finance Bank changed on this card recently. The facts on this page already reflect them.

Date	Change	Before	Now
1 Oct 2026	Reduced: Fuel surcharge waiver cap cut from ₹200 to ₹100 a monthSource: AU Small Finance Bank	1% waiver, capped at ₹200 per statement month	1% waiver, capped at ₹100 per statement month
1 Jul 2026	Reduced: Fuel fair-usage terms tightened, trigger halved, levy on the whole aggregateSource: AU Small Finance Bank	1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000	1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000
14 Jun 2026	Reduced: New 1% fair-usage charge on transportation spendsSource: AU Small Finance Bank	No transportation fair-usage charge	1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower
10 Apr 2026	Reduced: Domestic lounge spend-gate raised ₹20,000 → ₹50,000/quarterSource: AU Small Finance Bank	2 domestic lounge visits/quarter, gated on ₹20,000 spend in the prior quarter	2 domestic lounge visits/quarter, gated on ₹50,000 spend in the prior quarter
10 Apr 2026	Reduced: Transportation spends stop earning rewardsSource: AU Small Finance Bank	Transportation spends earned reward points	No reward points on transportation MCCs

See this card's change history → · All card changes in October 2026 →

08Cards Similar to AU Xcite Ultra Credit Card

AU Xcite Ultra Credit Card is a international card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

Feature	AU Xcite Ultra Credit Card	IDFC FIRST Millennia Credit Card	AU Traverse Credit Card
Joining fee	₹749 + GST	Lifetime free	₹4,999 + GST
Annual fee	₹749 + GST	Lifetime free	₹4,999 + GST
Rewards	1% base, up to 3% on foreign spends	0.38% base, up to 1.25% on dining	0.5% base, up to 1% on foreign spends
Domestic lounge	8 visits a year	Not included	8 visits a year
Forex markup	3.49%	0%	0.99%
Type	International	Dining	International

Compare with IDFC FIRST Millennia Credit Card Compare with AU Traverse Credit Card

09Explore More

All AU Small Finance Bank productsEvery card, loan and account from AU Small Finance Bank on SkyloFin International credit cardsEvery international card, compared All credit cardsFilter by issuer, category and fee Rewards calculatorWhat this card would earn on your spending Interest calculatorWhat carrying a balance really costs Track this card in SkyloFin - Expense TrackerStatements and due dates from your bank SMS, on your phone

Card facts last verified 11 October 2026.

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

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Common Questions

What is the joining fee for the AU Xcite Ultra Credit Card?

The joining fee is ₹749 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.

What is the annual fee for the AU Xcite Ultra Credit Card?

The annual fee is ₹749 + GST.

Does the AU Xcite Ultra Credit Card give airport lounge access?

Yes. Domestic lounge access is 8 visits a year. Check the bank's page for the current rules, because lounge programmes change.

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with AU Small Finance Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

AU Xcite Ultra Credit CardJoining fee: ₹749 + GST

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