AU Small Finance Bank · Credit card
Xcite Ultra
A credit card from AU Small Finance Bank. Facts below come from the issuer's own documents. Network: RuPay.
Annual fee
₹749
Fee waiver
Spend ₹0 a year
Rewards
- Online 8 Reward Points per ₹100
- Offline 4 Reward Points per ₹100
- International 12 Reward Points per ₹100
- Utility & telecom and insurance 1 Reward Point per ₹100
Benefits & rewards
Issuer information- Rewards
- Online 8 Reward Points per ₹100
- Offline 4 Reward Points per ₹100
- International 12 Reward Points per ₹100
- Utility & telecom and insurance 1 Reward Point per ₹100
- Reward cap
- 100 Reward Points per transaction on Utility & Telecom
- Lounge access
- Included
- Does not earn on
- Cash, transportation (from 10 Apr 2026).
Fees, eligibility & repayment
Issuer information- Annual fee
- ₹749
- Joining fee
- ₹749
- Fee waiver
- Spend ₹0 in a year
- Foreign purchases
- 3.5% markup on international spends
- Eligibility
- Age 21+ · Income not disclosed
- Repayment
- Pay the full statement balance to avoid interest; interest and late fees follow the issuer's schedule of charges.
What changed
Issuer informationDifferences found when this card's published terms were re-verified against AU Small Finance Bank's own pages. Only independently approved changes appear here.
- Annual feeChanged₹349₹749
Annual fee changed from ₹349 to ₹749
Verified 23 Sep 2026 · previous value recorded 7 Aug 2026 · issuer page
Cardholder experience
Experience notesNo admissible cardholder observations are on file for this card yet. Nothing is invented to fill the gap.
Offers on this card
No verified offer currently names this exact card. Offers from the same bank for other cards are not assumed to apply.