AU Xcite Ultra Credit Card
Card Details
Card Details
- Issuer
- AU Small Finance Bank
- Card type
- Entry-level
- Joining fee
- ₹749 + GST
- Annual fee
- ₹749 + GST
- Rewards currency
- Reward Points
Highlights
Highlights
- 4/8/12 RPs per ₹100 on offline/online/international spends
- 500 bonus RPs monthly + 5,000 bonus RPs on annual milestone
- Domestic airport lounge access: 2/quarter (spend-based eligibility applies)
- Annual fee waiver on ₹2 Lakhs spend
Welcome, annual & renewal benefits
Welcome, annual & renewal benefits
- Joining/Annual Fee: ₹749 + GST.
- Annual fee waiver on spends of ₹2 Lakhs or more.
Reward earning
Reward earning
| Spend type | Earn rate |
|---|---|
| Offline spends | 4 Reward Points / ₹100 |
| Online spends | 8 Reward Points / ₹100 |
| International spends | 12 Reward Points / ₹100 |
- Reward redemption: AU Rewardz at 1 RP = ₹0.25.
- Reward redemption fee: ₹99 + GST.
- Forex markup: 3.49%.
Milestone Benefits
Milestone Benefits
- 500 bonus RPs on spending ₹5,000+ within the first 5 days of a month.
- 5,000 bonus RPs on spending ₹2.5 Lakhs+ in the previous anniversary year.
Additional Benefits
Additional Benefits
- Domestic airport lounge: 2 visits per quarter on ₹20,000 quarterly spend eligibility.
- Railway lounge: 8 visits per year (cap 2 per quarter).
- Insurance: personal accident cover ₹50 Lakhs, purchase protection ₹25,000, card liability cover ₹2 Lakhs.
- Fuel surcharge waiver: 1% on ₹400–₹5,000.
Review
Review
After considering the milestone benefits this is a decent card. if you can reach all the milestones and use the card wisely it can serve you well.