AU Xcite Ultra
AU Small Finance Bank
Last updated: Feb 03, 2026
₹0
₹0
3.49%
16 visits/yr
Contents
AU Xcite Ultra is a lifetime free premium rewards credit card from AU Small Finance Bank designed for heavy online shoppers and frequent travellers. You earn accelerated reward points on offline, online, and international transactions, with exclusions only on categories like rent, fuel, and wallet loads. The card also offers complimentary domestic airport and railway lounge access, along with periodic milestone bonuses that can boost your total annual reward earnings. With device protection and travel insurance bundled in, it works as a versatile everyday card for both lifestyle and travel spending.
Features of AU Xcite Ultra which makes it unique
High Online Rewards Engine
Earn significantly higher Reward Points on online transactions compared to many entry-level cards.
Improved return on everyday e-commerce and bill payment spends.
Stronger online earn rate than many standard rewards cards.
Lounge Access on a Lifetime Free Card
Complimentary domestic airport and railway lounge access without any annual fee.
Premium travel experience while keeping total card cost low.
Rare combination of LTF pricing with regular lounge access.
Milestone Boosters
Monthly and annual milestone bonuses can add up to thousands of extra Reward Points.
Boosts effective reward rate for consistent spenders.
More generous milestone structure than many lifetime free cards.
Rewards Structure of AU Xcite Ultra
Online Spends
acceleratedE-commerce and online merchant payments in INR (excluding rent, education, wallet reloads, insurance and specific excluded MCCs).
Best value category for users who prefer online shopping and bill payments.
International Spends
acceleratedPoint-of-sale and online transactions in foreign currency.
Helps offset forex markup with higher reward earning on overseas transactions.
Excluded Categories
baseRent, wallet loads, fuel, BBPS, education, government and quasi-cash transactions.
These transactions do not earn Reward Points; check AU MITC for full MCC list.
Offline Spends
baseAll eligible POS retail transactions within India (excluding fuel, rent, wallet loads, EMIs and restricted MCCs).
Good for everyday shopping at physical stores and outlets.
Utility and Telecom Spends
baseUtility and telecom payments as defined by AU’s MCC list.
Reduced earn rate but still rewards basic bill payments.
Milestones of AU Xcite Ultra
Monthly Special Benefit
₹5,000 within the 1st–5th of every calendar month : 500 bonus Reward Points
Annual Milestone Bonus
₹2,50,000+ in the previous card anniversary year : 5,000 bonus Reward Points
Fees & Charges of AU Xcite Ultra
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.49% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | 2% |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Lifetime free credit card under the SwipeUp Xcite series; no annual or renewal fee.
Fee Explanation Card is lifetime free. Foreign currency markup is 3.49% on international spends. Cash withdrawal/advance fee is 2.5% of the amount (minimum ₹500). Late payment charges are slab-based from ₹0 to ₹1,300 depending on total amount due as per latest AU Credit Card MITC and usage T&Cs.
Detailed Explanation of AU Xcite Ultra Fees
Joining Fee: ₹0 (one-time)
No joining fee; card issued as lifetime free under SwipeUp Xcite series.
Annual Fee: ₹0 (yearly)
No annual or renewal fee applicable.
Foreign Currency Markup: 3.49% (per transaction)
Applicable on international transactions in foreign currency.
Cash Advance Fee: 2.5% (per transaction)
Minimum ₹500; interest charges extra as per card T&Cs.
Late Payment Fee: ₹0–₹1,300 (per statement)
Slab-based late payment charges depending on total amount due, as per AU credit card usage terms.
Payment Return Charges: 2% (min ₹500) (per incident)
Charged on failed or returned payments via cheque, ECS/NACH or auto-debit.
Lounge Access Benefits with AU Xcite Ultra
domestic Lounges
silverVisits per year: 8
Guest access: No
2 complimentary visits per quarter on achieving net retail spends of ₹20,000 in the calendar quarter. Eligibility may carry over to the first month of the next quarter as per latest AU lounge T&Cs.
domestic Lounges
silverVisits per year: 8
Guest access: No
Up to 2 complimentary visits per quarter at select railway lounges (e.g., New Delhi, Jaipur, Ahmedabad, Agra, Sealdah) shared between primary and add-on cards.
Insurance Coverage with AU Xcite Ultra
Travel Insurance
Up to ₹50,00,000Includes personal accident and travel related cover on eligible journeys booked using AU Xcite Ultra. Coverage, sub-limits and exclusions as per policy terms.
Purchase Protection
₹50,000Coverage for eligible high-value purchases against damage or theft for a limited period from purchase date as per AU insurance terms.
Device Protection Plan
1 year screen damage & extended warrantyComplimentary device protection for mobiles, tablets and select white goods paid with AU credit card; device registration within bank-specified timelines is mandatory.
Additional Features of AU Xcite Ultra
Contactless Payments
Tap-and-pay enabled Visa contactless credit card.
Per-transaction limits and RBI contactless guidelines apply.
Add-on Cards
Add-on cards available for family members above 18 years.
Shared credit limit with primary card; spends earn Reward Points to the primary account.
AU Rewardz Portal
Integrated rewards portal to redeem points for vouchers, travel and merchandise.
Standard redemption charges and point expiry rules apply as per AU Rewardz terms.
SwipeUp Upgrade Platform
Eligible customers can upgrade from other bank credit cards via AU SwipeUp to get Xcite Ultra lifetime free.
Upgrade eligibility and mapped variant depend on existing card and bank’s internal criteria.
Welcome Bonus with AU Xcite Ultra
Welcome Bonus: lifetime free
Bonus Conditions: AU Xcite Ultra does not offer a separate welcome bonus as per current official features.
Application Process for AU Xcite Ultra
Processing Time
Typically 7–10 business days after successful verification.
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Check your eligibility on AU Bank’s website or SwipeUp platform.
Fill in the online application form with personal, employment and income details.
Upload KYC and income documents as requested.
Complete verification through calls, OTP and any additional checks from AU Bank.
Receive approval communication and track dispatch of your AU Xcite Ultra card.
Activate the card using AU 0101 app, internet banking or IVR and set your PIN.
Required Documents for AU Xcite Ultra
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
AU Xcite Ultra Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at most Visa-enabled POS terminals.
International Acceptance
Accepted globally at merchants and ATMs on the Visa network.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for AU Xcite Ultra
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹35,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should have a stable monthly income, a good credit history, and valid PAN and Aadhaar as KYC documents.
How Approval Is Decided
- Minimum age of 21 years for primary cardholder.
- Stable monthly income as per AU’s internal policy for the Xcite series.
- Good credit history with a preferably 700+ credit score.
- Satisfactory verification of KYC and income documents.
Pros of AU Xcite Ultra
- Lifetime free with no joining or annual fee.
- Strong Reward Points structure on offline, online and international spends.
- Airport and railway lounge access for frequent travellers.
- Monthly and annual milestone bonuses improve overall reward rate.
- Device protection plan and insurance add extra value.
Cons of AU Xcite Ultra
- No dedicated welcome bonus at the moment.
- Reduced or zero Reward Points on rent, fuel, wallet loads and some bill categories.
- Foreign currency markup of 3.49% can still be significant for heavy international users.
- Lounge access requires quarterly spend threshold of ₹20,000 to stay eligible.
Frequently Asked Questions about AU Xcite Ultra
Is AU Xcite Ultra a lifetime free credit card?
Yes, AU Xcite Ultra is a lifetime free credit card under AU Bank’s SwipeUp Xcite series with no joining or annual fee, subject to prevailing product terms.
What Reward Points do I earn on AU Xcite Ultra?
You typically earn 4 Reward Points per ₹100 on eligible offline spends, 8 Reward Points per ₹100 on eligible online spends and 12 Reward Points per ₹100 on eligible international spends, with lower or zero rewards on certain excluded categories.
Does AU Xcite Ultra offer airport and railway lounge access?
Yes, you can get up to 2 complimentary domestic airport lounge visits per quarter and access to select railway lounges, usually after achieving ₹20,000 net retail spends in the quarter as per the latest lounge access T&Cs.
Is there any welcome bonus on AU Xcite Ultra?
Currently, AU Xcite Ultra does not offer a separate welcome bonus. The core benefits are strong Reward Points, milestone bonuses, lounge access and lifetime free pricing.
What is the value of 1 Reward Point on AU Xcite Ultra?
When redeemed through the AU Rewardz portal, 1 Reward Point is generally worth around ₹0.25 for most redemptions, though exact value can vary by partner and offer.
What is the minimum income and credit score required?
AU does not publish a fixed income figure for all applicants, but third-party sources indicate that a stable income of around ₹30,000 per month and a credit score of at least 700 are typically preferred, with final approval based on AU Bank’s internal policies.
Which mobile wallets support AU Xcite Ultra?
AU Xcite Ultra can be linked to major digital wallets like Google Pay, Samsung Pay, PhonePe, Paytm and Amazon Pay for easier online and in-app payments, subject to network and issuer integration.
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