cards / mid / au-xcite-ultra
AUUnknownmid-tier

AU Xcite Ultra Credit Card

A solid daily-driver for steady spenders who want rewards without a premium fee.

excellent shape
health 100/100
annual fee₹ 749/yr
joining fee₹ 749
base earn rate1 / ₹100
rewards inReward Points
forex markup3.49%

✓ best for

International SpendsOther Online Shopping

⚠ heads up

no major caveats we’re tracking.

earn rates

categoryratecap/mo
base · everything else1 / ₹100
International Spends3 / ₹100
Other Online Shopping2 / ₹100

benefits & perks

Domestic Airport Lounge Access

2 Free Domestic Lounge Visits on Spends of ₹50,000 Each Quarter

unlocks at ₹ 50,000/yr

Railway Lounge Access

2 Free Railway Lounge Access Each Quarter

Personal Accident Cover

Get a personal accident cover worth Rs. 50 lakhs

Purchase Protection

purchase protection cover worth Rs. 25,000

Credit Liability Cover

credit liability cover worth Rs. 2 lakhs

Fuel Surcharge Waiver

1% Waiver on Fuel Transactions Between ₹400 and ₹5,000

unlocks at ₹ 400/yr

Concierge Services

Get dedicated concierge services.

run your spend profileto see this card's value for you.