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| 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.
| 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 |
| Card | AU Bank Xcite Ultra Credit Card | |
|---|---|---|
| Joining Fee | Nil | |
| Annual Fee | Nil | |
| Min. Annual Credit Card Spend for Fee Waiver |
N/A | |
| 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 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
