AU Xcite Ultra credit card credit card
Joining Fee:

FREE

Return Percentage:

1% to 2%

Apply Now

Credit Card Overview

A top-tier version of Xcite that maximizes lifestyle and travel rewards, offering higher cashback, milestone bonuses, and additional perks for premium users.

Best Suited For: Cashback, Catalogue Products

AU logoAUVisa

Fees and charges at a glance

Annual fee
Free

Nothing to pay each year

Joining fee
Free

No cost to get the card

Reward rate
1% to 2%

Depends where you spend

Forex markup
3.49%

Extra charge on foreign spends

Interest rate
45% p.a.

Only if you don't pay the full bill

Add-on card
Free

An extra card for family

AU Xcite Ultra credit card — Earn Categories

Everyday rate

  • Base Rewards4 Reward Points (reward points) / ₹100

2 more earning categories on this card

We track all 3 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • EMI
  • Jewellery
  • Rent
  • Wallets
  • Utilities
  • Fuel
  • Transportation & Tolls