AU Xcite Ultra Credit Card
AU Xcite Ultra Credit Card from AU Small Finance Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 749 | Reward type: Reward Points | Best for: Travel, Shopping, International Spends
Estimated value per Rs 100 of eligible spend.
AU Xcite Ultra Credit Card Overview
AU Xcite Ultra Credit Card is an AU Small Finance Bank credit card. Base reward value is about Rs 1 per Rs 100 of eligible spend. Zlash checks boosted categories like international spends, online shopping along with caps and exclusions.
Best For
AU Xcite Ultra Credit Card is most useful when your spends regularly fall into international spends, online shopping.
Rewards
international spends
3x the base reward rate.
online shopping
2x the base reward rate.
Not Good For
- Spends in excluded categories such as rent, fuel, education, government transactions, wallet reloads.
- International transactions if you need low forex markup; this card lists 3.49% markup.
Welcome And Travel Benefits
Domestic lounge: Domestic lounge benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Travel: Travel benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Lifestyle Benefits
Insurance: Insurance benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
3.49% foreign currency markup.
Reward Exclusions
Milestone Benefits
- Spend Rs 5,000 in a monthly period for benefit value around Rs 125.
- Spend Rs 2,50,000 in a yearly period for benefit value around Rs 1,250.
Zlash Verdict
Choose this card when travel, shopping, international spends match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of AU Xcite Ultra Credit Card?
The listed annual fee is Rs 749.
What is AU Xcite Ultra Credit Card best used for?
AU Xcite Ultra Credit Card is most useful when your spends regularly fall into international spends, online shopping.
Does AU Xcite Ultra Credit Card have reward exclusions?
Yes. The extracted exclusions include rent, fuel, education, government transactions, wallet reloads.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.