AU Small Finance Bank Xcite Ultra Credit Card
AU Small Finance Bank
Annual / renewal fee
₹749 (plus applicable taxes/GST).
VerifiedXcite Ultra Credit Card product page18 Aug 2026, 6:48 AM ISTAU Small Finance Bank
Earn rate
Confirm on the official page
Official source not yet captured
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at au.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at au.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Xcite Ultra Credit Card by AU Small Finance Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹749.
VerifiedKey Fact Statement (KFS) – AU Credit Cards incl. SwipeUp Xcite series18 Aug 2026, 6:48 AM ISTAU Small Finance Bank
Annual / renewal fee
₹749 (plus applicable taxes/GST).
VerifiedXcite Ultra Credit Card product page18 Aug 2026, 6:48 AM ISTAU Small Finance Bank
Fee waiver
Annual fee waiver from 2nd year onwards: spend ₹2,00,000 in a year and get waiver for next year Annual Fee.
VerifiedMITC (Most Important Terms & Conditions with Schedule of Charges)18 Aug 2026, 6:48 AM ISTAU Small Finance Bank
Renewal fee
- ₹749 renewal fee.
- Fee waiver: spend ₹2,00,000 in a year and get waiver for next year Annual Fee.
VerifiedMITC (Most Important Terms & Conditions with Schedule of Charges)18 Aug 2026, 6:48 AM ISTAU Small Finance Bank
Rewards
Redemption value
- Reward Points can be redeemed via AU Rewardz offerings (flight/hotel bookings and more).
- A nominal fee of ₹99 + GST is levied on each successful redemption.
VerifiedKey Fact Statement (KFS) – AU Credit Cards incl. SwipeUp Xcite series18 Aug 2026, 6:48 AM ISTAU Small Finance Bank
Travel & lounge
Lounge access
- 2 complimentary domestic airport lounge visits per calendar quarter within India (subject to spending ₹50,000 in the previous calendar quarter, w.e.f. 10th April 2026, primary cardholder only).
- Railway lounge access on presenting valid AU Credit Card and train ticket (₹2 non-refundable card validation charge per visit).
Verifiedharvested from product page18 Aug 2026, 6:48 AM ISTAU Small Finance Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Concierge
Global Concierge Assistance to customize travel, entertainment, and leisure experiences.
VerifiedXcite Ultra Credit Card product page18 Aug 2026, 6:48 AM ISTAU Small Finance Bank
Dining benefit
Exclusive offers on MMT, Times Prime Membership and Alaya stays.
VerifiedXcite Ultra Credit Card product page18 Aug 2026, 6:48 AM ISTAU Small Finance Bank
Insurance
- Air accident cover of up to ₹20 Lacs.
- Complimentary device protection plan on mobile phones and 1-year extended warranty for mobile phones, tablets, laptops, and white goods purchased.
VerifiedXcite Ultra Credit Card product page18 Aug 2026, 6:48 AM ISTAU Small Finance Bank
Milestone benefit
- Get 5,000 Reward Points on minimum retail spends of ₹2.5 lacs in a card anniversary year.
- Choose vouchers from top brands.
VerifiedXcite Ultra Credit Card product page18 Aug 2026, 6:48 AM ISTAU Small Finance Bank
Eligibility
Eligibility
- Add-on cards available.
- Offer Xcite Ultra Credit Card benefits to loved ones through the Add-on card offering.
VerifiedXcite Ultra Credit Card product page18 Aug 2026, 6:48 AM ISTAU Small Finance Bank
Charges & interest
Forex markup
3.49% cross currency markup charge on foreign currency / dynamic & static conversion transactions.
VerifiedKey Fact Statement (KFS) – AU Credit Cards incl. SwipeUp Xcite series18 Aug 2026, 6:48 AM ISTAU Small Finance Bank
Charge
- Finance charge (revolving credit): 3.75% per month (45% per annum) for all AU Retail Credit Cards.
- Cash Advance Charges: 2.5% of cash withdrawal amount or ₹500, whichever is higher.
- Cash Advance Limit: up to 40% of the card limit.
- Overlimit Charges: 2.5% of overlimit amount, minimum ₹500.
- Late Payment Charges: 15% of Total Amount Due (Minimum ₹10, Maximum ₹1300).
- Foreign currency/dynamic & static conversion cross currency markup: 3.49%.
- Railway Ticket Purchase Fee: as prescribed by Indian Railways/IRCTC.
- Reward Point Redemption: ₹99 + GST per successful redemption.
- Duplicate Physical Statement Request: ₹100.
- Outstation Cheque Processing: ₹25.
- Payment Return Charges: 2% of Total Amount Due or minimum ₹500, whichever is higher.
- Card Transfer Charges: ₹199 + GST.
- EMI Conversion - Xpress EMI: 1% of amount converted, minimum ₹99 + GST.
- Instant EMI: ₹199 + GST per EMI transaction.
- GST @18% on all fees, interest and charges.
- Fair usage charges 1% apply on Fuel, Utility, Education, Rental & Transportation spends beyond stated thresholds (Transportation w.e.f. 14th June 2026; revised Fuel w.e.f. 1st July 2026).
VerifiedKey Fact Statement (KFS) – AU Credit Cards incl. SwipeUp Xcite series18 Aug 2026, 6:48 AM ISTAU Small Finance Bank
Fuel surcharge waiver
- 1% fuel surcharge waiver for transactions between ₹400 to ₹5,000, maximum of ₹200 per statement month (SwipeUp - Xcite Series of Cards).
- Waiver capped at 1% of eligible fuel transaction amount.
- GST on fuel surcharge not reversed.
VerifiedKey Fact Statement (KFS) – AU Credit Cards incl. SwipeUp Xcite series18 Aug 2026, 6:48 AM ISTAU Small Finance Bank
Interest-free period
Up to 50 days (not applicable for cash withdrawal).
VerifiedKey Fact Statement (KFS) – AU Credit Cards incl. SwipeUp Xcite series18 Aug 2026, 6:48 AM ISTAU Small Finance Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Xcite Ultra Credit Card?
Officially traced: Rs. 749 (plus applicable taxes/GST).
Xcite Ultra Credit Card product pageWhat is the joining fee on the Xcite Ultra Credit Card?
Officially traced: Rs. 749.
Key Fact Statement (KFS) – AU Credit Cards incl. SwipeUp Xcite seriesIs the Xcite Ultra Credit Card annual fee ever waived?
Annual fee waiver from 2nd year onwards: spend Rs. 2,00,000 in a year and get waiver for next year Annual Fee.
MITC (Most Important Terms & Conditions with Schedule of Charges)What lounge access does the Xcite Ultra Credit Card include?
2 complimentary domestic airport lounge visits per calendar quarter within India (subject to spending Rs. 50,000 in the previous calendar quarter, w.e.f. 10th April 2026, primary cardholder only).
harvested from product pageWhat are the transfer ratios for Xcite Ultra Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.au.bank.in/personal-banking/credit-cards/swipeup-program/xcite-ultra-credit-card.
VerifiedXcite Ultra Credit Card product page18 Aug 2026, 6:48 AM ISTAU Small Finance Bank
Verified 2026-08-18 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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