← Part of AU Small Finance Credit Cards in India
The AU Xcite Ultra Credit Card is a premium offering from AU Small Finance Bank, designed for d rewards and lifestyle benefits. As of March 2026, AU Bank manages over 10 lakh active credit cards in India, reflecting its growing presence in the market. This card offers up to 8 Reward Points per ₹100 on domestic spends and up to 12 Reward Points on international transactions.
| Parameter | Details |
|---|---|
| Card Type | Premium Rewards Credit Card |
| Issuer | AU Small Finance Bank |
| Platform | SwipeUp |
| Annual Fee | ₹749 + applicable taxes (Lifetime Free option available via SwipeUp) |
| Reward Points (Domestic) | Up to 8 Reward Points per ₹100 spent |
| Reward Points (International) | Up to 12 Reward Points per ₹100 spent |
| Bonus Reward Points | Up to 8,000 bonus reward points annually on achieving spend milestone |
| Domestic Lounge Access | 2 complimentary visits per quarter (based on spend of ₹20,000 in previous quarter; ₹50,000 from April 10, 2026) |
| Railway Lounge Access | Complimentary access |
| Travel Insurance | Up to ₹50 lakh coverage |
| Device Protection Plan | 1-year complimentary screen damage protection for mobiles/tablets and 1-year extended warranty for mobile phones, tablets, laptops, and white goods |
| Add-on Card | Available |
| Fuel Surcharge Waiver | 1% waiver for transactions between ₹400 and ₹5,000 (max ₹150 per statement cycle) |
| Times Prime Membership | 1-Year membership @₹1 with VISA XCITE ULTRA Credit Card |
| Alaya Stays Offers | Exclusive offers at 200+ 4-star villas (e.g., Stay for 3, Pay for 2) |
| Credit Card Activation Deadline | 37 days of issuance (per RBI guidelines) |
| Contactless Payment Limit | Up to ₹5,000 without PIN |
| AU Small Finance Bank Branches | 600+ branches across 21 states and 3 union territories (as of 2024) |
| AU Small Finance Bank Employees | 59,200+ (as on March 31, 2026) |
| AU Small Finance Bank Customers | 1.2 crore+ (as on March 31, 2026) |
| AU Small Finance Bank Deposit Base | ₹1,52,661 crore (as on March 31, 2026) |
The AU Xcite Ultra Credit Card combines strong reward structures with full travel and device protection benefits, making IT a strong contender in the premium credit card segment for 2026.
Key Features & Benefits
The AU Bank Xcite Ultra Credit Card offers d rewards on both domestic and international spending, alongside premium travel and lifestyle privileges. Cardholders can earn up to 8 Reward Points per ₹100 on domestic purchases and up to 12 Reward Points per ₹100 on international transactions.
| Type/Category | Details | Key Feature |
|---|---|---|
| Reward Points (Domestic) | Up to 8 Reward Points on domestic purchases of ₹100 | Accelerated Domestic Rewards |
| Reward Points (International) | Up to 12 Reward Points on every international transaction of ₹100 | Higher International Rewards |
| Bonus Reward Points | Up to 8,000 bonus reward points annually on achieving spend milestones | Milestone Bonus Rewards |
| Domestic Airport Lounge Access | 2 complimentary visits per calendar quarter to airport lounges in India (requires ₹50,000 spend in previous quarter, effective April 10, 2026) | Complimentary Airport Lounge Access |
| Domestic Railway Lounge Access | Complimentary access to domestic railway lounges | Railway Travel Comfort |
| Travel Insurance | Coverage of up to ₹50 lakh | full Travel Protection |
| Device Protection Plan | Complimentary device protection plan on electronic devices (mobile phones, tablets, laptops, white goods) with one-year extended warranty | Extended Warranty & Protection |
| Fuel Surcharge Waiver | 1% waiver for fuel transactions between ₹400 and ₹5,000 (max ₹150 per statement cycle) | Fuel Savings |
| Add-on Card Facility | Offer Xcite Ultra Credit Card benefits to family members through an Add-on card | Share Benefits with Family |
| Exclusive Stay Offers | Exclusive Stay Offers with Alaya Stays (Stay for 3, Pay for 2 and 50% savings on 2nd night at 200+ 4-star villas) | Luxury Stay Privileges |
| Times Prime Membership | 1-Year Times Prime membership at ₹1 (access to 20+ OTT subscriptions & 40+ brand offers) | Entertainment & Lifestyle Benefits |
| Concierge Services | Complimentary concierge services for travel booking, golf sessions, and event planning (third-party expenses payable) | Personalized Assistance |
| Contactless Payment | Contactless payment for transactions up to ₹5,000 without PIN | Quick & Secure Payments |
| Zero Card Liability | Zero liability on fraudulent transactions after reporting card loss | Fraud Protection |
| EMI Conversion | Eligible credit card transactions can be converted into EMIs | Flexible Payment Options |
The card’s premium features extend to lifestyle and security, including a complimentary device protection plan and up to ₹50 lakh in travel insurance. These benefits are designed to the cardholder’s overall experience and provide significant value.
Reward Points & Milestones
The AU Bank Xcite Ultra Credit Card offers up to 8 Reward Points on domestic purchases and up to 12 Reward Points on international transactions for every ₹100 spent. Cardholders can also earn up to 8,000 bonus reward points annually by achieving specific spend milestones, overall value.
| Reward Feature | Details | Source |
|---|---|---|
| Domestic Purchases | Up to 8 Reward Points per ₹100 spent | AU Small Finance Bank Credit Cards – Apply Online & Benefits |
| International Transactions | Up to 12 Reward Points per ₹100 spent | AU Small Finance Bank Credit Cards – Apply Online & Benefits |
| Online Spends | 8 Reward Points per ₹100 spent | au bank xcite ultra credit card Credit Card – Pluto Money |
| Offline Spends | 4 Reward Points per ₹100 spent | au bank xcite ultra credit card Credit Card – Pluto Money |
| Utility & Telecom, Insurance Spends | 1 Reward Point per ₹100 spent | Xcite Ultra Credit Card- Luxury And Double Delight | AU Smal |
| Monthly Bonus Reward Points | 500 Reward Points on spending ₹5,000 between 1st to 5th of every calendar month (excluding Rent, Wallet & Fuel spends) | AU Bank Xcite Ultra Credit Card Review – Card Maven |
| Annual Milestone Bonus Reward Points | 5,000 Reward Points on spending ₹2.5 lakh in the anniversary year | AU Bank Xcite Ultra Credit Card |
| Total Annual Bonus Reward Points | Up to 5,500 Reward Points | AU Bank Xcite Ultra Credit Card |
| Annual Bonus Reward Points (General) | Up to 8,000 bonus reward points every year on achieving spend milestone | AU Small Finance Bank Credit Cards – Apply Online & Benefits |
| Reward Point Redemption | Redeem against Amazon Pay gift vouchers | AU Bank Xcite Ultra Credit Card Review – Card Maven |
The card’s reward structure is designed to maximize benefits across various spending categories, with higher points for international and online transactions, alongside substantial annual bonuses.
Travel & Lifestyle Privileges
The AU Bank Xcite Ultra Credit Card offers extensive travel and lifestyle benefits, including complimentary airport and railway lounge access. Cardholders also receive a complimentary one-year Times Prime Membership, providing access to over 20 subscriptions and 40 discount offers.
- Domestic Airport Lounge Access: Cardholders receive 2 complimentary visits per calendar quarter to airport lounges across India. This benefit requires a minimum spend of ₹20,000 in the previous calendar quarter; effective April 10, 2026, the spend requirement increases to ₹50,000 per quarter.
- Domestic Railway Lounge Access: The card provides complimentary access to domestic railway lounges, comfort during train journeys.
- Travel Insurance: full travel insurance coverage of up to ₹50 lakh is included, offering financial protection during travel.
- Device Protection Plan: A complimentary device protection plan covers electronic devices like mobile phones. IT also provides a one-year extended warranty on purchased mobile phones, tablets, laptops, and white goods.
- Times Prime Membership: Cardholders get a complimentary Annual Times Prime Membership, which includes access to over 20 subscriptions and more than 40 discount-led offers.
- Alaya Stays Offers: Exclusive stay offers are available with Alaya Stays, featuring 4-star villas at over 200 Indian destinations. Benefits include “Stay for 3, Pay for 2” and 50% savings on the second night.
- Concierge Services: The card provides access to dedicated concierge services for assistance with travel bookings, golf session arrangements, and anniversary dinner planning.
- Add-on Cards: You can extend the card’s benefits to family members by availing add-on cards, sharing the privileges with loved ones.
These privileges make the AU Bank Xcite Ultra Credit Card a strong option for frequent travelers and those seeking d lifestyle benefits in 2026.
Eligibility & Application Process
The AU Bank Xcite Ultra Credit Card is available to Indian residents who hold an existing credit card from any bank. This card is primarily offered through AU Small Finance Bank’s SwipeUp platform, which helps credit card upgrades.
Applicants can apply online or by visiting an AU Small Finance Bank branch, with the application process streamlined for existing cardholders.
- Residency: Applicants must be residents of India to be eligible for the AU Bank Xcite Ultra Credit Card.
- Existing Credit Card: A key eligibility criterion is holding an active credit card from any other bank, as the Xcite Ultra card is part of the SwipeUp upgrade program.
- Age Criteria: For primary cardholders of AU Small Finance Bank credit cards, the age typically ranges from 21 years to 60 years for salaried individuals and 25 to 65 years for self-employed individuals (as per LIT Credit Card guidelines).
- Credit History: A decent credit history is generally required, reflecting responsible financial behavior.
- Application Platform: The card can be applied for online via the AU Small Finance Bank website or the SwipeUp platform, or offline at a bank branch.
- Required Documents: Standard credit card application documents include identity proof (PAN card, Aadhaar card), address proof, and income proof (salary slips, bank statements, ITR).
- Application Start Date: While specific dates vary, the CheQ AU Credit Card, for example, had an application start date of April 28, 2026, indicating similar timelines for new card launches.
The application process for the AU Bank Xcite Ultra Credit Card is designed to be convenient for individuals seeking to upgrade their existing credit card benefits.
Xcite Ultra Vs. Xcite Ace Vs. Xcite
AU Small Finance Bank offers three credit card variants under its SwipeUp platform: Xcite, Xcite Ace, and Xcite Ultra. The Xcite Ultra is the premium variant, providing d rewards and benefits compared to the Xcite Ace and Xcite cards. All three cards are generally offered as Lifetime Free options, as per AU Bank’s current policy (as of 2026).
| Feature | AU Bank Xcite Ultra Credit Card | AU Bank Xcite Ace Credit Card | AU Bank Xcite Credit Card |
|---|---|---|---|
| Card Type | Premium/Top Variant | Mid Variant | Base/Entry-Level Variant |
| Annual Fees | Lifetime Free | Lifetime Free | Lifetime Free |
| Reward System | Up to 8 Reward Points on domestic, 12 RP on international per ₹100 spend | Cashback (up to ₹750 cashback on ₹25,000 spend) | Up to 15 Reward Points per ₹100 spend (1.5% to 3.75% on select spends) |
| Domestic Airport Lounge Access | 2 complimentary visits per quarter (based on ₹50,000 spend in previous quarter, effective April 10, 2026) | Complimentary domestic airport lounge access | Not explicitly mentioned |
| Railway Lounge Access | Complimentary access to domestic railway lounges | 8 complimentary lounge access per annum (max 2 per quarter) | 8 complimentary lounge access per annum (max 2 per quarter) |
| Device Protection Plan | 1-year complimentary screen damage protection for mobiles/tablets & 1-year extended warranty for mobile phones, tablets, laptops, white goods | 1-year complimentary screen damage protection for mobiles/tablets & 1-year extended warranty for mobile phones, tablets, laptops, white goods | Complimentary device protection for mobiles, tablets, laptops and select electronics |
| Travel Insurance | Up to ₹50 lakh coverage | Complimentary travel-based insurance covers | Not explicitly mentioned |
| Bonus Reward Points | Up to 8,000 bonus reward points annually on achieving spend milestones | Not explicitly mentioned | Not explicitly mentioned |
| Fuel Surcharge Waiver | Not explicitly mentioned | Not explicitly mentioned | 1% waiver for fuel transactions between ₹400 and ₹5,000 (max ₹150 per cycle) |
| Additional Benefits | Complimentary Annual Times Prime Membership, Exclusive Stay Offers with Alaya Stays, Concierge services | Not explicitly mentioned | Redeem reward points against Amazon Pay gift vouchers |
The Xcite Ultra card offers higher reward points on both domestic and international spends, along with full travel and device protection benefits. Cardholders should review the specific spend criteria for lounge access, which was revised to ₹50,000 per quarter from April 10, 2026.
Fees & Charges
The AU Bank Xcite Ultra Credit Card is lifetime free, meaning no joining or annual fees are levied. However, specific charges apply for services like foreign currency transactions and cash advances. Priority Pass usage within India will incur a fee of $35 + taxes per visit from January 1, 2025.
| Charge Type | Amount (₹) | Details |
|---|---|---|
| Joining Fee | Nil | Lifetime Free for Xcite, Xcite Ace, and Xcite Ultra Credit Cards |
| Annual Fee | Nil | Lifetime Free for Xcite, Xcite Ace, and Xcite Ultra Credit Cards |
| Foreign Currency Markup | 3.49% | Applicable on international transactions |
| Interest Rate (Monthly) | 3.59% | Equivalent to 43.08% annually on outstanding balances |
| Cash Advance Fee | 2.5% of cash amount | Minimum charge of ₹100 per transaction |
| Payment Return Charges | ₹500 | Applicable for bounced payments |
| Priority Pass Usage (within India) | $35 + taxes | Per visit charges, effective from January 1, 2025 |
| Rewards Redemption Fee | Nil | No charges for redeeming accumulated Reward Points |
While the card offers lifetime free benefits, understanding these additional charges is for managing your credit card usage effectively. Always review the latest fee schedule on the AU Bank website for current information.
Important Terms & Conditions
The AU Bank Xcite Ultra Credit Card offers a zero liability cover for fraudulent transactions once reported. Cardholders can convert eligible credit card transactions into EMIs, providing flexibility for larger purchases. The annual percentage rate (APR) for the Xcite Ultra Credit Card is 3% per month (43% per annum), effective from April 1, 2024.
- Lounge Access Criteria: Complimentary domestic airport lounge access (2 visits per calendar quarter) requires a minimum spend of ₹20,000 in the previous calendar quarter. This minimum spend increases to ₹50,000 per calendar quarter for access in the subsequent quarter, effective April 10, 2026.
- Priority Pass Charges: Usage of the Priority Pass at participating lounges within India is chargeable. As of January 1, 2025, per-visit charges are revised to $35 plus applicable taxes.
- Contactless Payment Limit: The AU Bank Xcite Ultra Credit Card supports contactless payments up to ₹5,000 without requiring a PIN for transactions.
- Add-on Cards: Cardholders can apply for add-on cards to extend benefits to family members, subject to AU Small Finance Bank’s terms.
- Card Activation: Per RBI guidelines, credit cards must be activated within 37 days of issuance. Failure to activate may lead to card suspension.
- Late Payment Impact: Missing credit card bill payments by the due date results in late payment fees, interest charges, potential card suspension, and a negative impact on your CIBIL score.
Key Takeaways
- The Xcite Ultra Credit Card provides a zero liability cover for reported fraudulent transactions.
- Domestic airport lounge access requires specific quarterly spending thresholds, which will increase to ₹50,000 from April 10, 2026.
- The card’s APR is 3% per month (43% p.a.), applicable from April 1, 2024.
Review all terms and conditions on the official AU Small Finance Bank website before applying for the AU Bank Xcite Ultra Credit Card.
Frequently Asked Questions (FAQs)
What are the key benefits of the AU Bank Xcite Ultra Credit Card in 2026?
The AU Bank Xcite Ultra Credit Card offers up to 8 reward points on domestic spending and 12 reward points on international transactions per ₹100. Cardholders also receive 2 complimentary domestic lounge accesses quarterly, based on spending ₹50,000 in the previous quarter (effective April 10, 2026). , IT includes a complimentary device protection plan for mobile phones and other electronics.
How do I get complimentary lounge access with the AU Bank Xcite Ultra Credit Card?
To get 2 complimentary domestic lounge accesses each quarter, you must spend a minimum of ₹50,000 in the preceding calendar quarter. This revised spending requirement is effective from April 10, 2026. This benefit applies to both domestic airport and railway lounges.
Does the AU Bank Xcite Ultra Credit Card offer travel insurance?
Yes, the AU Bank Xcite Ultra Credit Card includes travel insurance coverage of up to ₹50 lakh. This provides an added layer of security for cardholders during their travels. The card also offers exclusive stay offers with Alaya Stays at over 200 villas.
What are the reward points for international spending on the Xcite Ultra Credit Card?
The AU Bank Xcite Ultra Credit Card provides up to 12 reward points for every ₹100 spent on international transactions. For domestic purchases, you can earn up to 8 reward points per ₹100. Cardholders can also earn up to 8,000 bonus reward points annually on achieving specific spend milestones.
Can I get an add-on card for the AU Bank Xcite Ultra Credit Card?
Yes, AU Bank allows you to get add-on cards for the Xcite Ultra Credit Card. This lets you extend the card’s benefits to your family members or loved ones. The add-on card shares the primary card’s credit limit and features.
What fuel surcharge waiver does the AU Bank Xcite Ultra Credit Card offer?
The AU Bank Xcite Ultra Credit Card offers a 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000. This waiver is applicable across all fuel stations in India. The maximum waiver is capped at ₹150 per statement cycle.
Does the AU Bank Xcite Ultra Credit Card offer any OTT or brand offers?
Yes, the AU Bank Xcite Ultra Credit Card provides a 1-year Times Prime membership for ₹1, offering access to 20+ OTT subscriptions and 40+ top brand offers. This benefit is available when using your VISA Xcite Ultra Credit Card. This offer is valid as of 2026.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.