AU XCITE ULTRA
AU Small Finance Bank · Checked 2026-10-09
AU XCITE ULTRA is a paid card focused on shopping rewards, online spending and travel benefits, charging ₹749 annually before GST.
CardIQ editorial view
Our take
AU XCITE ULTRA is a paid card focused on shopping rewards, online spending and travel benefits, charging ₹749 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise online spending.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 8 reward points per ₹100 on eligible online purchases.
- 2 domestic lounge visits per quarter require ₹50,000 qualifying spending in the preceding quarter.
- 5,000 milestone points at ₹2.5 lakh qualifying annual spend; 8 railway lounge visits annually.
Trade-offs to understand
- Available through AU SwipeUp for eligible existing credit-card holders; verify the upgrade offer with AU.
- 4 points per ₹100 on eligible offline purchases; 12 on eligible international purchases; 1 on insurance, utilities and telecom.
- 2 domestic lounge visits per quarter require ₹50,000 qualifying spending in the preceding quarter.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 8 reward points per ₹100 on eligible online purchases valuable enough to clear the fee. Factor in this condition: Available through AU SwipeUp for eligible existing credit-card holders; verify the upgrade offer with AU.
Compare before deciding
- Tata Neu Infinity HDFC Bank Credit Card — A higher-fee option to compare for broader benefits around online spending and reward points.
- Reliance SBI Card PRIME — A higher-fee option to compare for broader benefits around online spending and reward points.
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Benefits, limits and conditions
- Available through AU SwipeUp for eligible existing credit-card holders; verify the upgrade offer with AU.
- 4 points per ₹100 on eligible offline purchases; 12 on eligible international purchases; 1 on insurance, utilities and telecom.
- 2 domestic lounge visits per quarter require ₹50,000 qualifying spending in the preceding quarter.
- 5,000 milestone points at ₹2.5 lakh qualifying annual spend; 8 railway lounge visits annually.