rewards
AU Xcite Ultra Credit Card
The highest-tier Xcite card, built around accelerated online and international rewards, monthly bonuses and annual spend milestones.
Annual Fee
₹749+GST; renewal waived on ₹2 lakh retail spend in the previous card anniversary year
Rewards
4 RP/₹100 offline; 8 RP/₹100 online; 12 RP/₹100 international; additional 500 RP on ₹5,000 retail spend between the 1st–5th of each month
Lounge Access
2 domestic airport lounge visits/quarter + 8 railway lounge visits/year, max 2/quarter
Fuel Waiver
1% on ₹400–₹5,000, capped at ₹200/statement month
Milestone
5,000 RP on ₹2.5 lakh retail spend in a card anniversary year
Best For
High online spenders and users wanting accelerated international rewards
Welcome Offer
No separate one-time welcome offer confirmed; monthly 500-RP special benefit applies
Type
Rewards
Description
The AU Xcite Ultra Credit Card is the premium rewards option in the Xcite series. AU's official product-feature schedule lists 4 reward points per ₹100 on eligible offline spends, 8 points per ₹100 online and 12 points per ₹100 on international spends. Cardholders can earn an additional 500 points by spending ₹5,000 between the 1st and 5th of a calendar month and receive 5,000 reward points after reaching ₹2.5 lakh in eligible retail spends during a card anniversary year. It also provides 2 domestic airport lounge visits per quarter, 8 railway lounge visits per year with a maximum of 2 per quarter, and a 1% fuel surcharge waiver capped at ₹200. Annual membership costs ₹749+GST and is waived from the second year after ₹2 lakh retail spend in the preceding anniversary year.
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