# AU Xcite Ultra

AU Small Finance Bank · Visa. ₹749 fee · 3.49% forex · 4 RP/₹100 offline base (25K RP/cycle overall cap).

verified · checked 19 October 2026 · Source: https://www.au.bank.in/personal-banking/credit-cards/swipeup-program/xcite-ultra-credit-card

## How it earns (5)

- 4 RP/₹100 offline base (25K RP/cycle overall cap) · cap 25,000 points per statement cycle · ✓ official · checked 19 October 2026
- 1 RP / ₹100 on insurance · cap 25,000 points per statement cycle · verified · checked 19 October 2026
- 1 RP / ₹100 on utilities and telecom, capped at 100 RP per transaction · cap 25,000 points per statement cycle · max 100 points per transaction · verified · checked 19 October 2026

and 2 more rules in the app

## On gift vouchers

- ₹80 back on a ₹10,000 voucher bought direct. · 4 RP/₹100 offline base (25K RP/cycle overall cap)
- Vouchers for Bharat Petroleum (BPCL), BYJU'S, Google Pay (GPay), Delhi Metro (DMRC) and 13 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (3)

- No RP on wallet loads
- No reward points on fuel, rent, education, transport, EMI or bill payments made through BBPS
- No reward points on government payments, quasi-cash or cash

## Milestones (1)

- 5,000 RP (₹1,000 @ ₹0.20) @ ₹2.5L anniversary-year retail spend · ₹1,000 at ₹2,50,000 spend per card year · ✓ official · checked 16 July 2026

## Lounges (1)

- 2 domestic airport visits a quarter, after ₹50,000 spent the previous quarter (from 10 Apr 2026), plus 8 railway lounge visits a year (at most 2 a calendar quarter) with no spend condition. · Domestic + railway · domestic · 16 per year · checked 19 October 2026

## Fees

- Annual fee: ₹749 + GST
  Waived at ₹2,00,000 spend per year
- Forex markup: 3.49%
- DCC markup: Not published
- Earns: AU Rewardz Points · ₹0.2 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/au-xcite-ultra