AU Small Finance Bank Xcite Ultra Credit Card

Lounge access

• 2 complimentary domestic airport lounge visits per calendar quarter within India (subject to spending ₹50,000 in the previous calendar quarter, w.e.f. 10th April 2026, primary cardholder only).
• Railway lounge access on presenting valid AU Credit Card and train ticket (₹2 non-refundable card validation charge per visit).

Verified · harvested from product page · 2026-08-03 · source

Forex markup

3.49% cross currency markup charge on foreign currency / dynamic & static conversion transactions.

Verified · Key Fact Statement (KFS) – AU Credit Cards incl. SwipeUp Xcite series · 2026-08-03 · source

Charge

• Finance charge (revolving credit): 3.75% per month (45% per annum) for all AU Retail Credit Cards.
• Cash Advance Charges: 2.5% of cash withdrawal amount or ₹500, whichever is higher.
• Cash Advance Limit: up to 40% of the card limit.
• Overlimit Charges: 2.5% of overlimit amount, minimum ₹500.
• Late Payment Charges: 15% of Total Amount Due (Minimum ₹10, Maximum ₹1300).
• Foreign currency/dynamic & static conversion cross currency markup: 3.49%.
• Railway Ticket Purchase Fee: as prescribed by Indian Railways/IRCTC.
• Reward Point Redemption: ₹99 + GST per successful redemption.
• Duplicate Physical Statement Request: ₹100.
• Outstation Cheque Processing: ₹25.
• Payment Return Charges: 2% of Total Amount Due or minimum ₹500, whichever is higher.
• Card Transfer Charges: ₹199 + GST.
• EMI Conversion - Xpress EMI: 1% of amount converted, minimum ₹99 + GST.
• Instant EMI: ₹199 + GST per EMI transaction.
• GST @18% on all fees, interest and charges.
• Fair usage charges 1% apply on Fuel, Utility, Education, Rental & Transportation spends beyond stated thresholds (Transportation w.e.f. 14th June 2026; revised Fuel w.e.f. 1st July 2026).

Verified · Key Fact Statement (KFS) – AU Credit Cards incl. SwipeUp Xcite series · 2026-08-03 · source

Interest-free period

Up to 50 days (not applicable for cash withdrawal).

Verified · Key Fact Statement (KFS) – AU Credit Cards incl. SwipeUp Xcite series · 2026-08-03 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver for transactions between ₹400 to ₹5,000, maximum of ₹200 per statement month (SwipeUp - Xcite Series of Cards).
• Waiver capped at 1% of eligible fuel transaction amount.
• GST on fuel surcharge not reversed.

Verified · Key Fact Statement (KFS) – AU Credit Cards incl. SwipeUp Xcite series · 2026-08-03 · source

Redemption value

• Reward Points can be redeemed via AU Rewardz offerings (flight/hotel bookings and more).
• A nominal fee of ₹99 + GST is levied on each successful redemption.

Verified · Key Fact Statement (KFS) – AU Credit Cards incl. SwipeUp Xcite series · 2026-08-03 · source

Concierge

Global Concierge Assistance to customize travel, entertainment, and leisure experiences.

Verified · Xcite Ultra Credit Card product page · 2026-08-03 · source

Dining benefit

Exclusive offers on MMT, Times Prime Membership and Alaya stays.

Verified · Xcite Ultra Credit Card product page · 2026-08-03 · source

Eligibility

• Add-on cards available.
• Offer Xcite Ultra Credit Card benefits to loved ones through the Add-on card offering.

Verified · Xcite Ultra Credit Card product page · 2026-08-03 · source

Official terms

https://www.au.bank.in/personal-banking/credit-cards/swipeup-program/xcite-ultra-credit-card.

Verified · Xcite Ultra Credit Card product page · 2026-08-03 · source