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AU Bank Xcite Ultra Credit Card

by Kshitiz V Sharma on

The Bottom Line

AU Bank Xcite Ultra Credit Card
Lifetime Free, Average Rewards

12 reward points / ₹100 on foreign spends, 8 points on all online spends and 4 points on all other retail spends. Lifetime free.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield 1.3% 1.5% 1.5% 1.6% 1.6%
Est. Monthly Reward (₹) 60 145 305 780 1,590
All-India Rewards Rank* 19 25 37 46 51
Within Bank Rank* 2 2 3 2 2
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

The AU Bank Xcite Ultra Credit Card gives 3% effective reward on foreign spending, 2% on all online spending and 1% on all other retail spending.

We estimate this card can earn you a net reward yield of 1.3-1.6% on all your spending in a month.

The AU Bank Xcite Credit Card is the best entry level credit card from AU SFB. You can earn a net reward yield of 1.5-1.7% on all your spending up to ₹50,000 a month with this credit card.

However this card is only available to customers who already have a credit card from another bank and are looking to upgrade.

The Zenith Credit Card offer the best reward yield for high spending AU SFB cutomers. We estimate the Zenith gives a net reward yield of 1.8% if you spend more than ₹50,000 a month with this card.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.


The Rewards

Card AU Bank Xcite Ultra Credit Card
Card Type Reward
Reward Features 12 Reward Points / ₹100 on Foreign Spends

8 Reward Points / ₹100 on all Online Spend

4 Reward Points / ₹100 on all other retail spends

Milestone Rewards 5,000 bonus Reward Points on annual spends of ₹2.5 Lacs
Other Rewards – 2 Complimentary Railways Lounge visits / Qtr.

– 2 Complimentary Domestic Airport Lounge visits / Qtr.

– 30% discount on dining at 300 partnered restaurants

Rewards Redemption Fee Nil
Reward Caps Nil
Preferred Redemption Method Redeem on AU Rewardz Portal @₹0.25/reward point for
e-Vouchers, Merchandise, Flight and Hotel Bookings

Fees & Charges

Card AU Bank Xcite Ultra Credit Card
Joining Fee Nil
Annual Fee Nil
Min. Annual Credit Card Spend
for Fee Waiver
Income Criteria Salaried N/A
Self-employed N/A
Supplementary Card Fee Free
Interest Rate 41.88%
Foreign Currency Markup 3.49%
Cash Advance Charge 2.50% with a minimum of ₹100

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