AU Small Finance Bank · Not published on the product page
AU Bank Xcite Ultra Credit Card
Up to 12 RP/₹100, plus 500 monthly bonus points and an annual milestone
Reward categories
Cap: Maximum 100 Reward Points per utility or telecom transaction
Cap: 500 additional Reward Points per eligible month
Rent, wallet and fuel spends are excluded from this monthly benefit.
Welcome & milestones
Welcome
No welcome benefit is currently recorded.
Milestones
- ₹2.5 lakh retail spends in a card anniversary year5,000 Reward Points redeemable for vouchers from participating brands
Lounge rules
Domestic: 2 complimentary domestic airport lounge visits per quarter, subject from 10 April 2026 to ₹50,000 minimum spend in the previous quarter
Railway: 8 complimentary railway lounge visits per annum, maximum 2 per calendar quarter
Eligibility
Age
- Salaried primary cardholder: 21 to 60 years
- Self-employed primary cardholder: 25 to 65 years
- Add-on cardholder: over 18 years
Income
Employment
- Salaried or self-employed
Documents
- Resident Indian
Other benefits
- Complimentary device protection and one-year extended warranty on eligible electronics
- Global concierge assistance
- Air accident, card liability, credit shield, purchase and travel protection covers
- Contactless payments and Xpress EMI
Exclusions
Recent changes
- Domestic lounge visits became subject to ₹50,000 spend in the previous quarter, and Reward Point accrual on transportation MCCs was discontinued.
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