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AU Small Finance Bank Xcite Ultra Credit Card
AU Small Finance Bank

AU Small Finance Bank Xcite Ultra Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns points

First-year fee

₹749 to join.

Annual fee

₹749 + GST

What it gives back

4 Reward Points per ₹100 on offline spends.

Read from 5 AU Small Finance Bank documents, last checked 19 Oct 2026.

Apply on AU Small Finance Bank
How it compares

Compared with the cards we have read

₹749 annual fee: of the 273 other open cards whose annual fee we have read, 156 state a lower one and 117 state a higher one.

3.49% forex markup: of the 291 other open cards whose forex markup we have read, 92 state a lower one, 10 state the same and 189 state a higher one.

Changed on 2026-10-07: fuel benefit is now 1% waiver for fuel transactions between ₹400 and ₹5,000 (max ₹100 per statement cycle) — see what changed

Fees

  • Annual fee

    ₹749 + GST

  • Joining fee

    ₹749 to join.

  • Fee waiver rule

    For 2nd year onwards fee waiver – ₹2,00,000 retail spends done in previous card anniversary year

  • Add-on card fee

    Your Add on card comes free for lifetime!

Welcome offer

  • Welcome benefit

    Complimentary Annual Times Prime Membership that gives access to 20+ subscription & 40+ discount-led offers.

Rewards

  • Reward rate

    4 Reward Points per ₹100 on offline spends.

  • Online earning

    8 Reward Points per ₹100 on online spends.

  • Reward earning on international spends

    12 Reward Points per ₹100 on international spends.

  • Utilities earning

    1 Reward Point per ₹100 spent on Utility & Telecom and Insurance spends.

  • Reward exclusions

    Excluding spends done on Rent, Wallet & Fuel

  • Voucher and product redemption

    Redeem your Reward Points for E-vouchers of top brands.

Card benefits

  • Domestic lounge access

    With effect from 10th April 2026, 2 complementary domestic lounge access every quarter, based on completing minimum spend of ₹50,000 in the previous quarter

  • Hotel or travel programme

    8 complimentary lounge access per annum (maximum 2 per calendar quarter), using AU Credit Card at railway stations

  • Concierge

    Global Concierge Assistance to customize travel, entertainment, and leisure experiences.

  • Milestone benefits

    5,000 Rewards Points on minimum retail spends of ₹2.5 lacs in a card anniversary year; additional 500 Reward Points on retail spends of ₹5,000 done between 1st to 5th of every calendar month

Also included

  • Fuel surcharge waiver

    1% waiver for fuel transactions between ₹400 and ₹5,000 (max ₹100 per statement cycle)

  • Insurance benefit

    In event of baggage loss, baggage delay, delay in flight, loss of passport and plane hijack.

  • Lost card liability

    You carry zero liability on any fraudulent transactions made with card after reporting the loss to the bank.

  • Purchase protection

    Complimentary device protection plan on mobile phones and 1-year extended warranty for mobile phones, tablets, laptops, and white goods purchased.

  • Add-on card eligibility

    Add-on cardholder should be over 18 years.

  • Balance transfer terms

    Processing charges 1% of Balance Transfer amount, subject to a minimum of ₹250

  • Purchase to EMI conversion

    Convert transactions of ₹500 and above with a minimum total value of ₹2,000 into EMI, club up to 20 Billed or Unbilled transactions together for conversion

Charges

  • Forex markup

    3.49% on foreign currency transactions.

  • Dynamic currency conversion markup

    3.49%3.49% Cross Currency Markup Charges on Dynamic & Static Conversion Transactions

  • Cash advance fee

    2.5% of the Cash withdrawal amount or ₹500, whichever is higher.

  • Cash withdrawal limit

    Up to 40% of the card limit

  • Interest on unpaid balance

    3.75% per month (45% per annum)

  • Interest-free period

    Up to 50 days (not applicable for cash withdrawal)

  • Late payment fee

    15% of Total Amount Due (Minimum ₹10, Maximum ₹1300)

  • Over-limit fee

    2.5% of overlimit amount, subject to a minimum of ₹500

  • Payment return or dishonour fee

    2% of total amount due or ₹500 (On Cheque, ECS/ NACH, Autopay Return) Whichever is higher.

  • Card replacement fee

    ₹100

  • Cash payment / cash deposit fee

    NIL, i.e., no charges for Credit Card Bill Payment through Cash Deposit mode.

  • Education / school fee charge

    1% of transaction value, subject to minimum of ₹99 per transaction on education payments done through third party applications like, not limited to, CRED, PhonePe, Paytm, MobiKwik, Freecharge etc.

  • EMI conversion fee

    Xpress EMI: 1% of the Amount being converted to EMI, subject to a minimum of ₹99 + GST; Instant EMI: ₹199 + GST as Processing Fees on every EMI transaction done at any Point-of-Sale unit or through Payment Gateway

  • Foreign ATM fee

    2.5% or ₹500 whichever is higher on the amount withdrawn from domestic/international ATMs.

  • Reward redemption fee

    A nominal fee of ₹99 + GST will be levied on each successful redemption

  • Rent transaction fee

    1% of transaction value, subject to minimum of ₹99 per transaction on domestic rental transactions

  • GST note

    GST 18% applicable on all fees, interest & charges

  • Minimum amount due

    5% of Principal outstanding+ 100% of Fees/Charges+ 100% of Interest Charges+ Due EMI(s)+ 100% of Annual Membership Fee (if applicable) + 100% of GST; 2% of Principal outstanding for Customers who have paid TAD (Total Amount Due) for previous statement on/or before due date

Eligibility

  • Eligibility

    Self Employed: 25 years to 65 years; Salaried: 21 years to 60 years.

In the terms, not the brochure (1)

  • Whether carrying a balance ends the interest-free period

    Interest free period is applicable only if all previous dues are paid in full and no unpaid balance is carried forward from earlier/previous months; interest free period is suspended if the Total Amount Due is not cleared by the due date

How we know - 5 documents from AU Small Finance Bank, checked 19 Oct 2026

5 documents from AU Small Finance Bank, checked 19 Oct 2026.

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₹749 a year

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