AU Xcite Ultra Credit Card

Card overview

Rewards & cashback

• Rewards rate

  4 RPs on every offline spend of Rs. 100, 8 RPs on every online spend, and 12 RPs on every international spend of Rs. 100

• Reward redemption

  The earned reward points can be redeemed against various options via the AU Rewardz portal at a rate of 1 RP = Re. 0.25.

Features & benefits

• Travel

  2 Free Railway Lounge Access Each Quarter

• Domestic lounge

  2 Free Domestic Lounge Visits on Spends of ₹50,000 Each Quarter

• Insurance

  Get a personal accident cover worth Rs. 50 lakhs, a purchase protection cover worth Rs. 25,000, and a credit liability cover worth Rs. 2 lakhs.

Fees & charges

• Spend-based waiver

  Annual Fee Waiver on Spends of ₹2 Lakh or More

• Rewards redemption fee

  ₹99 + GST

• Foreign currency markup

  3.49%

• Interest rates

  3.75% Per Month, i.e., 45% Annually

• Fuel surcharge waiver

  1% Waiver on Fuel Transactions Between ₹400 and ₹5,000

• Cash advance charges

  2.5% Subject to a Minimum of ₹500

Product highlights

• Earn additional 500 Reward Points per month.
• Up to 8 Reward points on every domestic spend of Rs. 100.
• Up to 12 Reward Points per international spend of Rs. 100.
• Get 5,000 bonus Reward points on achieving the spending milestone.
• Complimentary railway and airport lounge access.
• Get personal accident cover worth Rs. 50 lakhs.
• A 1% fuel surcharge waiver on all fuel purchases.
• Get dedicated concierge services.

Frequently asked questions