Joining Fee:
Apply NowFREE
Return Percentage:1% to 2%
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
AUFees and charges at a glance
- Annual fee
- Free
- Joining fee
- Free
- Reward rate
- 1% to 2%
- Forex markup
- 3.49%
- Interest rate
- 45% p.a.
- Add-on card
- Free
Nothing to pay each year
No cost to get the card
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
AU Xcite Ultra credit card — Lounge Access
Domestic lounge
2 per quarterquarter- On reaching minimum quarterly spends of ₹20,000.
1 more lounge benefit on this card
We track all 2 of them, with the spend conditions on each. See the full list in the app.