M16S / AU Small Finance Bank / AU Xcite Ultra Credit Card
entry · rewards
AU Xcite Ultra Credit Card
The AU Xcite Ultra Credit Card costs Rs 749 a year, waived if you spend Rs 2,00,000 in a year. Its base return is 1% (4 RP per Rs 100 offline). Accelerated earn: 8 RP per Rs 100 online; 12 RP per Rs 100 international; 1 RP per Rs 100 on utility, telecom and insurance. The forex markup is 3.49%. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 749+ GST
- Fee waived at
- Rs 2,00,000annual spend
- Base return
- 1%
- Forex markup
- 3.49%
- Interest
- 3.75%a month
What changed on this card
- AU Bank changes fuel fair usage charge to 1% on all fuel spend, Jul 2026
From 1 July 2026 there is no charge if each fuel transaction is under Rs 10,000 and monthly fuel spend is under Rs 25,000. Above either limit, AU charges 1% on the entire monthly fuel spend. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% charge on transport spends above limits, Jun 2026
From 14 June 2026 AU charges 1% on the entire monthly transportation spend (MCC 4111, 4112, 4784) when it exceeds 50% of the credit limit or Rs 25,000, whichever is lower. IRCTC, some travel partners and ixigo AU cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU sets Rs 50,000 quarterly spend for domestic lounges, Apr 2026
From 10 April 2026 a cardholder needs net retail spend of at least Rs 50,000 in a calendar quarter to get complimentary domestic lounge access in the next quarter. Only primary cardholders qualify. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU domestic lounge access becomes spend based, Jan 2025
From 1 January 2025 AU enabled complimentary domestic lounge access on Visa/RuPay AU credit cards only on meeting a spend-based eligibility test. The notice covers Zenith, Vetta, Xcite Ace, Xcite Ultra, SPONT, NOMO and ABC Pro. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% fair usage charge on fuel and utility spends, Aug 2024
From 15 August 2024 AU charges 1% on monthly fuel spends above 50% of the credit limit or Rs 50,000, whichever is lower, and 1% on monthly utility spends above Rs 50,000. Corporate and Purchase cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank sets card interest at 3.75% a month, Aug 2024
From 15 August 2024 the interest rate (APR) is 3.75% per month (45% per annum) on all AU credit cards except Zenith+, Corporate and Purchase cards. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining feeunverified | Rs 749 |
|---|---|
| Annual feeunverified | Rs 749 |
| Annual spend that waives the fee | Rs 2,00,000 |
| Fee notes | Rs 749 + taxes; waived from year 2 on Rs 2 lakh retail spend in previous anniversary year. |
Rewards
| Welcome benefit | Monthly: 500 RP on Rs 5,000 retail spend made on the 1st to 5th of each month (rent, wallet, fuel excluded) |
|---|---|
| Reward currency | Reward Points |
| Base earn | 4 RP per Rs 100 offline |
| Base returnunverified | 1% |
| Point valueunverified | 1 RP = Rs 0.25 on AU Rewardz (issuer states this value for NOMO and implies it for Ananta; not printed on this card's page) |
| Accelerated earn | 8 RP per Rs 100 online; 12 RP per Rs 100 international; 1 RP per Rs 100 on utility, telecom and insurance |
| Caps | Utility & telecom 100 RP per transaction |
| Spends that earn nothing | Cash, rent, education & government, EMI, fuel, BBPS, quasi-cash; transportation MCCs from 10 Apr 2026 |
| Points expiry | 2 years from accrual (Card Member Agreement cl. 23.8) |
| Milestone benefits | 5,000 RP on Rs 2.5 lakh retail spend in an anniversary year |
| Reward notes | Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 4 RP per Rs 100 x Rs 0.25 (offline); online about 2%, international about 3% before the 3.49% forex markup. |
Travel and perks
| Domestic lounge | 2 airport lounge visits per quarter; 8 railway lounge visits per year (max 2 per quarter) |
|---|---|
| International lounge | None |
| Lounge conditions | Airport lounge needs Rs 50,000 spend in the previous quarter from 10 Apr 2026 |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement cycle |
| Other freebies | Air accident cover Rs 50 lakh (headline says up to Rs 20 lakh); credit shield Rs 2 lakh; purchase protection Rs 25,000; device protection; concierge; Times Prime; free add-on cards |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | 15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9) |
| Cash advance fee | 2.5% of amount withdrawn, min Rs 500 |
| Eligibility | Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published. |
| Fine-print notes | Part of the SwipeUp Xcite series. Fee conflict on the issuer's own pages: the product page shows an annual fee with a spend waiver, while the listing-page fee table and MITC describe the SwipeUp Xcite series as lifetime free (SwipeUp upgrades for existing cardholders). The product-page fee is recorded. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. |
Questions
- What is the annual fee of the AU Xcite Ultra Credit Card?
- Rs 749 a year, before GST. It is waived if you spend Rs 2,00,000 in a year.
- Does the AU Xcite Ultra Credit Card give airport lounge access?
- Yes. In India: 2 airport lounge visits per quarter; 8 railway lounge visits per year (max 2 per quarter). Outside India: none listed. Conditions: Airport lounge needs Rs 50,000 spend in the previous quarter from 10 Apr 2026
- What is the forex markup on the AU Xcite Ultra Credit Card?
- 3.49% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the AU Xcite Ultra Credit Card?
- Cash, rent, education & government, EMI, fuel, BBPS, quasi-cash; transportation MCCs from 10 Apr 2026