AU Bank Xcite Ultra Credit Card

  • Joining Fee: Nil
  • Renewal Fee: Nil
  • Best Suited For: Travel | Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: NA
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AU Small Finance Bank, which is one of the well-known card issuers in the country, recently came up with the SwipeUp platform that offers upgraded credit cards to everyone holding a credit card from any bank/card issuer. Currently, three cards are being issued on the SwipeUp portal and The AU Bank Xcite Ultra Credit Card is the most premium one out of them. It comes with a zero annual membership fee and offers you a great reward rate of up to 12 Reward Points on every spend of Rs. 100. Other than this, you can earn 500 bonus rewards every month and 2,000 additional reward points on the basis of milestone spends. Talking about the travel privileges of this card, you get free access to the domestic railway as well as airport lounges and travel-based insurance covers worth up to Rs. 50 lakhs. To know more about the features & benefits of the AU Bank Xcite Ultra Credit Card, keep reading the article:

New Features

Spend Based Waiver


Interest Rates

3.49% per month

Add-on Card Fee


Rewards Redemption Fee


Fuel Surcharge

1% fuel surcharge waiver on all fuel transactions between Rs. 200 and Rs. 5,000

Foreign Currency Markup

3.49% of the transaction amount.

Cash Advance Charges

2.5% of the cash amount subject to a minimum of Rs. 100.

Movie & Dining

Get up to 30% off on your dining spends


Get complimentary access to railway as well as airport lounge access.

International Lounge Access


Rewards Rate

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



Insurance Benefits

Get a personal accident cover worth Rs. 50 lakhs, a purchase protection cover worth Rs. 25,000, and a credit liability cover worth Rs. 2 lakhs.

Reward Redemption

The earned reward points can be redeemed against various options via the AU Rewardz portal at a rate of 1 RP = Re. 0.25.

Domestic Lounge Access

2 free domestic airport lounge and 2 railway lounge access every quarter

Zero Liability Protection

Get a zero liability protection against a lost or stolen card by reporting the loss the bank in a timely manner.


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