Smart Online Shopping & Milestone Credit Card with Domestic Lounges
Savvy online shoppers and frequent diners looking for reward points acceleration, low spend waiver hurdles, and airport lounge comfort.
₹749
One-time upfront₹749
Waived on ₹2 lakh annual spend2 Reward Points per ₹100 spent (0.5% return; 1 RP = ₹0.25)
On eligible spends1 Domestic visits/quarter · ₹50k quarterly spend required
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The AU Bank Xcite Ultra Credit Card is an attractive lifestyle card tailored for middle-income consumers seeking accelerated rewards on digital commerce. Priced at an accessible annual fee of ₹749 plus GST, it offers one of the lowest spend-waiver thresholds in its class, requiring just ₹40,000 in annual retail spending to completely waive the renewal fee. The card stands out in online shopping categories, providing 3X reward points on e-commerce transactions, alongside 2X reward points on dining and entertainment. For domestic voyagers, it includes 1 complimentary domestic airport lounge visit per calendar quarter upon achieving modest quarterly spend targets, delivering genuine travel luxury without demanding premium annual card commitments. With standard 1% fuel surcharge waiver across India and seamless redemption through AU Rewardz for flights, hotels, and vouchers, the Xcite Ultra card is a dependable daily payment companion.
4 RPs on every offline spend of Rs. 100, 8 RPs on every online spend, and 12 RPs on every international spend of Rs. 100
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Dining & Grocery Spends | 10 Reward Points per ₹100 spent (2.50% valueback) | No Cap | Standard terms apply |
| International, Travel & Fine Dining | 8 Reward Points per ₹100 spent on international transactions, travel, and fine dining (2.0% return) | 5,000 Reward Points/mo | Standard terms apply |
| Other Spends | 3 Reward Points per ₹100 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Dining & Grocery Spends | ₹6,000 | 10 Reward Points per ₹100 spent (2.50% valueback) | — | None | Calculating... | Under cap |
| International, Travel & Fine Dining | ₹6,000 | 8 Reward Points per ₹100 spent on international transactions, travel, and fine dining (2.0% return) | — | ₹5,000/monthly | Calculating... | Under cap |
| Other Spends | ₹18,000 | 3 Reward Points per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹749
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Salaried professionals with monthly income over ₹25,000 or self-employed with ITR over ₹3.5 Lakhs; age 21 to 65 years. • Joining & Annual Fee: ₹749 + GST; annual renewal fee waived on achieving annual eligible spends of ₹40,000. • Rewards Acceleration: 3X reward points on online merchant transactions; 2X points on dining and entertainment; 1 point per ₹100 on standard retail. • Airport Lounge Privileges: 1 complimentary domestic airport lounge visit per calendar quarter on achieving ₹10,000 quarterly spend. • Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 (maximum waiver ₹150 per statement cycle). • Forex Markup: Standard foreign currency transaction markup of 3.49% + GST. • Reward Redemption: Redeem points on AU Rewardz portal for flights, hotels, merchandise, and retail brand vouchers.
Evaluate whether this card's perks and waiver threshold justify its ₹749 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding AU Bank Xcite Ultra Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official AU Small Finance Bank portal with paperless verification.
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Best for: Budget-conscious retail shoppers, regional commuters, and young professionals seeking everyday clothing discounts and train lounge comforts.
Rewards: 2 Reward Points per ₹100 spent (0.5% return; 1 RP = ₹0.25)
Lounge access: 1 Domestic visits/quarter · ₹50k quarterly spend required
Renewal fee waived on ₹50,000 annual spend
Last verified 3 Oct 2026
Best for: Urban families, grocery shoppers, and domestic commuters looking for accelerated rewards on departmental purchases and dependable travel lounge access.
Rewards: 1 Reward Point per ₹100 spent (0.25% return; 1 RP = ₹0.25)
Lounge access: 1 Domestic visits/quarter · ₹50k quarterly spend required
Renewal fee waived on ₹1,50,000 annual spend
Last verified 12 Oct 2026
Best for: Young salaried professionals, e-commerce shoppers, and urban families looking for direct 5% cash statement credit across major digital platforms.
Rewards: 5% on 10 online merchants, 1% on other spends
Lounge access: 4 Domestic visits/year · ₹1L quarterly spend required
Renewal fee waived on ₹1,00,000 annual spend
Last verified 16 Sept 2026
Best for: Ultra-high-net-worth individuals, luxury frequent flyers, and high spenders seeking the highest reward return on travel bookings in India.
Rewards: 5 Reward Points per ₹150 spent
Lounge access: Unlimited Domestic & International
Forex markup: 2% Low Forex
Renewal fee waived on ₹10,00,000 annual spend
Last verified 16 Sept 2026
Best for: Ultra-high-net-worth individuals, conglomerate chairpersons, family office principals, and top executives demanding bespoke global lifestyle privileges.
Rewards: 1 EDGE Mile/₹100 Spent on All Transactions
Lounge access: Unlimited Domestic & International
Forex markup: 1.5% Low Forex
Last verified 3 Oct 2026
Best for: Global family offices, private wealth patrons, and multinational business leaders seeking bespoke international banking privileges and global airport convenience.
Rewards: Bespoke high-yield rewards on global luxury spends
Lounge access: Unlimited Domestic & International
Forex markup: 1.5% Low Forex
Last verified 3 Oct 2026
