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AU Xcite Ultra Credit Card
Visa, RuPay 📡 Contactless NFC

AU Xcite Ultra Credit Card

Joining Fee₹749
Annual Fee₹749
Forex Markup 3.49%

⚖️ Card Verdict & Target Persona

Who Should Apply

Food delivery enthusiasts and train/flight travelers seeking 8x points on Zomato/Swiggy, 8 railway + 2 airport lounge visits, and RuPay UPI support.

Who Should Avoid

Users who cannot meet the ₹50,000 quarterly spend threshold for airport lounge access.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

₹500 shopping voucher upon completing spends of ₹10,000 within first 60 days of card setup

8 Reward Points per ₹100 on Food Delivery & Dining

Earn 8 Reward Points per ₹100 on Online Food Delivery (Zomato, Swiggy) and Dining spends.

8 Complimentary Railway Lounge Visits

8 complimentary railway lounge visits per calendar year (max 2 per quarter).

Domestic Airport Lounge Access

2 complimentary domestic airport lounge visits per calendar year (max 1 per quarter on min ₹50,000 spend in preceding quarter).

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25
Standard Base Earning
2 Reward Points per ₹100 spent on regular retail (0.50% return)
Accelerated / Partner Rate
8 Reward Points per ₹100 (2.0% valueback) on Online Food Delivery (Zomato, Swiggy) and Dining spends (capped at 1,000 points/month); 5X points on online lifestyle purchases
Points Validity:24 Months
Redemption Fee: ₹99 + GST / cycle
Redemption Modes: AU Rewardz Portal (Brand Vouchers, Flight & Hotel Bookings), Direct Statement Credit (1 RP = ₹0.25)
🚫 No Reward Points / Cashback on:
Fuel Wallet Loads Rent Payments Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active
🛫
Domestic Lounge Visits2 complimentary domestic airport lounge visits per calendar year and 8 complimentary railway lounge visits per calendar year
🌐
International Lounge VisitsNone
⚠️

Spend Criteria: Requires minimum retail spend of ₹50,000 in the previous calendar quarter for airport lounge access

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹150,000/yr
Annual renewal fee of ₹749 is waived off on spending ₹1,50,000 or more in the previous anniversary year
UPI Payments Support✓ Supported (RuPay)
2 Reward Points per ₹100 on eligible merchant RuPay UPI QR transactions
Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹150/mo)

📋 Eligibility Criteria

✓ Official Criteria
Age Limit21 - 60 Years
Min. Monthly Income₹25,000
Min. Credit Score720 CRIF
Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.49% per month (41.88% per annum)
Late Payment Penalties:Late payment charges range from ₹100 to ₹1,200
Official Bank Portal Application

Get the AU Xcite Ultra Credit Card

Annual Fee: ₹749/yr (Waivable)

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Personalized Card Matcher

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🔍 Related Credit Card Collections

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Frequently Asked Questions

No, AU Xcite Ultra Credit Card has a joining fee of ₹749 and an annual renewal fee of ₹749 (plus applicable taxes).
AU Xcite Ultra Credit Card ₹749/yr
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