AU Small Finance Bank
AU Xcite Ultra Credit Card
This is an invite only card
Top Benefits
Get 2 Complimentary Domestic Airport Lounge
lounge visits every quarter on spending ₹50,000 in the previous quarter
Earn 8 Reward Points per ₹100 on Zomato,
Swiggy and similar apps
Best For
Shopping
Online Food Ordering
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹884 ( ₹749 + GST )
Annual Fees
₹884 ( ₹749 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- Earn 8 Reward Points per ₹100 on online spends, 4 Reward Points per ₹100 on offline spends, 12 Reward Points per ₹100 on international spends, and 1 Reward Point per ₹100 on Utility & Telecom and Insurance spends
- Get an additional 500 Reward Points on retail spends of ₹5,000 done between the 1st and 5th of every calendar month
- milestone benefit of 5,000 Reward Points on minimum retail spends of ₹2.5 lakh in a card anniversary year, redeemable as vouchers from top brands
- Enjoy 2 complimentary domestic airport lounge visits per quarter and 8 complimentary railway lounge visits a year
- lifetime free add-on cards, and curated offers on MakeMyTrip, Times Prime and Alaya Stays
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
- Flight & Hotel Bookings
- Gift Vouchers & E-Vouchers
- Mobile/DTH Recharge
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Cash Withdrawal
EMI
Fees & Charges
Rent
Education
Government Services
Fuel
Quasi Cash
Wallet Load Transaction
For Spends Waiver
Cash Withdrawal
EMI
Fees & Charges
Rent
Education
Government Services
Fuel
Quasi Cash
Wallet Load Transaction
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.49% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.49% |
APR Fees Finance charges of 3.75% per month 45% per annum apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable | 2.5% |
Reward Redemption Fees ₹99 redemption fee per redemption | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% of the transaction value, subject to a minimum of ₹99, applies on rental transactions | 1% |
cheque Payment Fees A fee of 2% of the payment amount, subject to a minimum of ₹500, is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees No fee is charged for credit card bill payment made through the cash deposit mode | Not Applicable |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1,000 | ₹400 |
| ₹1,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1100 |
| Above ₹50,000 | ₹1300 |
That’s the full story of this credit card
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Top Benefits
Top Benefits
Get 2 Complimentary Domestic Airport Lounge
lounge visits every quarter on spending ₹50,000 in the previous quarter
Earn 8 Reward Points per ₹100 on Zomato,
Swiggy and similar apps
The smartest way to find your great credit card
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