AU Xcite Ultra Credit Card 2026: Features, Rewards, Benefits, Fees & Eligibility

In 2026, the AU Xcite Ultra Credit Card may be worth considering if you're seeking a top-tier rewards credit card with superior cashback benefits for online and international transactions. Along with attractive reward points, this card provides airport and railway lounge access, milestone rewards, air accident insurance, concierge services, and device protection—all at an affordable annual fee.

This card provides a well-rounded package of rewards and travel privileges, making it an ideal choice for anyone who loves to shop online, travel internationally or seeks high-end travel benefits.

In this guide, we'll be discussing everything about the reward structure, cashback rates, milestones, fees, eligibility and application process of the AU Xcite Ultra Credit Card.

AU Xcite Ultra Credit Card Highlights

Feature	Details
Card Type	Premium Rewards Credit Card
Joining Fee	₹749 + GST
Annual Fee	₹749 + GST
Annual Fee Waiver	Spend ₹2,00,000 in a year
Best Categories	International & Online Spending
Reward Value	1 Reward Point = ₹0.25
Airport Lounge	2 Domestic Visits per Quarter*
Railway Lounge	2 Visits per Quarter
Milestone Benefit	5,000 Reward Points

AU Xcite Ultra Credit Card Reward Points & Cashback

Available for everyday or travel spends, the AU Xcite Ultra Credit Card offers rewards for cardholders for a variety of spending categories.

1. International Spending Rewards

Earn:

• 12 Reward Points for every ₹100 spent internationally

Since 1 Reward Point = ₹0.25

Effective Cashback Rate: 3%

This makes the card a good choice for overseas travel and international online shopping.

2. Online Shopping Rewards

For online purchases, you'll earn:

• 8 Reward Points per ₹100

Effective Cashback Rate: 2%

Applicable across most online merchants.

3. Offline Spending Rewards

For offline retail purchases:

• 4 Reward Points per ₹100

Effective Cashback Rate: 1%

Perfect for shopping at local stores and merchant outlets.

4. Utility, Insurance & Telecom Payments

Earn:

• 1 Reward Point per ₹100

Applicable on:

• Electricity Bills

• Gas Bills

• Water Bills

• Insurance Premiums

• Mobile Recharge

• Broadband Bills

Effective Cashback Rate: 0.25%

Milestone Benefit

One of the standout features of the AU Xcite Ultra Credit Card is its milestone reward.

Spend ₹2.5 Lakhs in a Year

Receive:

• 5,000 Reward Points

Reward Value:

• ₹1,250

This significantly increases the overall value of the card for high spenders.

Bonus Reward Points Every Month

Cardholders receive:

• Additional 500 Reward Points

by spending:

• ₹5,000 between the 1st and 5th of every month

Planning purchases during these dates helps maximise your rewards.

AU Xcite Ultra Credit Card Benefits

1. Domestic Airport Lounge Access

Enjoy:

• 2 Complimentary Domestic Airport Lounge Visits every quarter

Condition:

• Spend at least ₹50,000 in the previous quarter

Ideal for frequent domestic travellers.

2. Railway Lounge Access

Receive:

• 2 Complimentary Railway Lounge Visits every quarter

Enjoy a comfortable waiting experience while travelling by train.

3. ₹20 Lakh Air Accident Insurance

The card offers:

• ₹20 Lakh Air Accident Cover

Providing additional financial security during air travel.

4. Complimentary Concierge Services

Get access to concierge assistance for:

• Travel bookings

• Hotel reservations

• Dining assistance

• Lifestyle services

5. Device Protection

Receive complimentary protection for eligible purchases including:

• Smartphones

• Tablets

• Laptops

• White Goods

6. Extended Warranty

Eligible purchases receive:

• 1-Year Extended Warranty

Applicable on:

• Mobile Phones

• Tablets

• Laptops

• Home Appliances

7. Fuel Surcharge Waiver

Enjoy:

• 1% Fuel Surcharge Waiver

Applicable on fuel transactions between:

• ₹400 and ₹5,000

Maximum benefit:

• ₹200 per statement cycle

8. Annual Fee Waiver

The annual fee is waived when you spend:

₹2,00,000 or more in a year.

AU Xcite Ultra Credit Card Fees & Charges

Fee	Charges
Joining Fee	₹749 + GST
Annual Fee	₹749 + GST
Annual Fee Waiver	Spend ₹2,00,000 annually
Cash Advance Fee	2.5% (Minimum ₹100)
Interest Rate	3.49% per month (41.88% annually)
Foreign Currency Markup	3.49%
Reward Redemption Fee	₹99
Late Payment Fee	15% of due amount (subject to applicable slabs)

Eligibility Criteria

To apply for the AU Xcite Ultra Credit Card, applicants must:

• Be 21 years or older

• Reside in an AU Small Finance Bank serviceable area

• Meet the bank's income and credit requirements

• Have valid KYC documents

Documents Required

Generally, you'll need:

• PAN Card

• Aadhaar Card

• Address Proof

• Passport-size Photograph

• Income Proof (if applicable)

How to Apply for AU Xcite Ultra Credit Card

Follow these simple steps:

1. Visit the official AU Small Finance Bank website.

2. Go to the Credit Cards section.

3. Select the AU Xcite Ultra Credit Card.

4. Fill in your personal and employment details.

5. Upload the required documents.

6. Accept the terms and conditions.

7. Submit the application.

8. An AU Bank representative will verify your details and complete the application process.

Pros of AU Xcite Ultra Credit Card

• Up to 3% rewards on international spending

• 2% rewards on online purchases

• 5,000 milestone reward points worth ₹1,250

• Additional 500 reward points every month

• Complimentary airport and railway lounge access

• ₹20 lakh air accident insurance

• Concierge services

• Device protection and extended warranty

• Fuel surcharge waiver

• Annual fee waiver on ₹2 lakh annual spends

  
  

Cons of AU Xcite Ultra Credit Card

• Domestic airport lounge access requires ₹50,000 quarterly spending

• Utility payments earn lower rewards

• ₹99 reward redemption fee

• 3.49% foreign currency markup

• High finance charges if dues are not paid on time

  
  

Who Should Apply for the AU Xcite Ultra Credit Card?

This card is ideal for:

• Frequent online shoppers

• International travelers

• Working professionals

• People who spend over ₹2.5 lakh annually

• Users looking for travel benefits and reward points

• Customers seeking a premium card with a moderate annual fee

Is the AU Xcite Ultra Credit Card Worth It in 2026?

The AU Xcite Ultra Credit Card is great for heavy online and international spenders. This offers up to 3% rewards, milestone bonuses, airport and railway lounge access, insurance and concierge service and therefore is an appealing option. This card has a lot of value if you can afford to spend a certain amount each year to avoid the fee and start earning milestone rewards.

Conclusion

If you're looking to receive a high level of benefits from your credit card, but don't want to pay a very high annual fee, you'll love the AU Xcite Ultra Credit Card. It offers great value for frequent travellers and shoppers, with top rewards on overseas and online purchases, milestone bonuses, free lounge access, insurance and lifestyle benefits. This card would be even more rewarding if you spend ₹2 lakh or more per year.

FAQs

What is the joining fee for the AU Xcite Ultra Credit Card?

The joining fee is ₹749 + GST.

 Does the card offer airport lounge access?

Yes. Cardholders receive 2 complimentary domestic airport lounge visits per quarter, subject to spending ₹50,000 in the previous quarter.

What is the annual fee?

The annual fee is ₹749 + GST, which is waived on annual spends of ₹2 lakh or more.