What is the AU Bank Xcite Ultra Credit Card?

The AU Bank Xcite Ultra Credit Card is a premium, lifetime-free credit card offering competitive rewards and travel benefits, available via the SwipeUp platform.

Are there any joining or renewal fees for the AU Bank Xcite Ultra Credit Card?

No, the AU Bank Xcite Ultra Credit Card is a lifetime-free card with zero joining and renewal fees.

What is the reward rate on the AU Bank Xcite Ultra Credit Card?

Earn 4 RPs on offline, 8 RPs on online, and 12 RPs on international spends per Rs. 100 with your AU Bank Xcite Ultra Credit Card.

Does the AU Bank Xcite Ultra Credit Card offer lounge access?

Yes, the AU Bank Xcite Ultra Credit Card offers complimentary domestic airport lounge access (spend-based) and railway lounge access.

What are the insurance benefits offered by the AU Bank Xcite Ultra Credit Card?

The AU Bank Xcite Ultra Credit Card provides Rs. 50 lakhs personal accident cover, purchase protection, credit liability, and travel insurance.

Is there a fee for redeeming reward points on the AU Bank Xcite Ultra Credit Card?

Yes, a reward redemption fee of ₹99 + GST is applicable when redeeming points from your AU Bank Xcite Ultra Credit Card.

What is the foreign currency markup on the AU Bank Xcite Ultra Credit Card?

The AU Bank Xcite Ultra Credit Card has a foreign currency markup of 3.49% on international transactions.

Can I get a fuel surcharge waiver with the AU Bank Xcite Ultra Credit Card?

Yes, enjoy a 1% fuel surcharge waiver on transactions between Rs. 200 and Rs. 5,000, capped at Rs. 250 monthly with the AU Bank Xcite Ultra Credit Card.

Does the AU Bank Xcite Ultra Credit Card offer any welcome benefits?

The AU Bank Xcite Ultra Credit Card does not list specific welcome benefits beyond its ongoing reward structure and milestone bonuses.

What are the dining benefits of the AU Bank Xcite Ultra Credit Card?

The AU Bank Xcite Ultra Credit Card offers up to 30% off on dining spends.

AU Small Finance Bank

AU Bank Xcite Ultra Credit Card

TravelShoppingDining

Last updated: 16 November 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Not Applicable

Rewards Rate

Earn 4 RPs (offline), 8 RPs (online), 12 RPs (international) per Rs. 100. Monthly & annual bonus RPs.

Reward Type

Reward Points

Reward Redemption

Redeem points via AU Rewardz portal; 1 RP = Re. 0.25.

Domestic Lounge Access

2 free domestic airport lounge visits/quarter on ₹20,000+ spend (8 annually).

International Lounge Access

Not Applicable

Premium Benefits

Concierge services available for booking golf sessions.

Insurance Coverage

Rs. 50 lakhs personal accident, Rs. 25,000 purchase protection, Rs. 2 lakhs credit liability, travel insurance.

Movie

Not Applicable

Dining

Up to 30% off on dining spends.

Travel Benefits

Complimentary railway lounge access (8 visits/year). Travel insurance for flight delays, baggage, passport. Concierge.

What matters, explained clearly

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Frequently Asked Questions

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