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AU Small Finance Bank
12 reward points per Rs. 100 on international spends, with 8 railway and 8 airport lounge visits
One-time
Per year
Uncapped rewards
Score 700+
Applying takes you to AU Small Finance Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
3 reward rates with their caps, taken from AU Small Finance Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 10 Oct 2026.
See where each figure came fromTravel
No published ceiling on this tier
Online shopping
No published ceiling on this tier
Everything else
No published ceiling on this tier
Utility, telecom and insurance spends earn 1 Reward Point per Rs. 100 rather than the online or offline rate. All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
12% on Travel — International transactions. AU publishes no rupee value for the point on this variant., with no stated cap.
Biggest limitation
3.49% foreign currency markup, which eats into the card's own 12-point international rate.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
12 pts
uncappedTravel
International transactions. AU publishes no rupee value for the point on this variant.
8 pts
uncappedOnline shopping
4 pts
uncappedEverything else
Offline spends. Utility, telecom and insurance earn 1 Reward Point per Rs. 100.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹884 | — |
| Annual / renewal fee | ₹884 | The issuer publishes no spend-based waiver for this card's annual fee. |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | 15% + GST | 15% of the total amount due, subject to a minimum of Rs. 10 and a maximum of Rs. 1,300, plus GST |
| Foreign currency markup | 3.49% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹884 a year
charged with no published way to avoid it
No fuel surcharge waiver is published for this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
1
spend threshold you can reach again each year
No welcome benefit is recorded.
Spend ₹0 a year — about ₹0 a month
5,000 Reward Points on minimum retail spends of Rs. 2,50,000 in a card anniversary year
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
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CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
AU Small Finance BankAU Bank LIT Credit CardLifetime free
AU Small Finance BankAU Bank Altura Plus Credit Card₹499
AU Small Finance BankAU Bank Altura Credit Card₹199
AU Small Finance Bankixigo AU Credit CardLifetime freeSuryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| AU Bank Xcite Ultra Credit Card · this card | ₹884 | 12% travel | Included |
| AU Bank NOMO Credit Card | ₹0 | Up to 2 reward points per ₹100 | Included |
| AU Bank LIT Credit Card | Lifetime free | Up to 5% cashback | Included |
| AU Bank Altura Plus Credit Card | ₹499 | Up to 1.5% cashback | No |
| AU Bank Altura Credit Card | ₹199 | Up to 2% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹884 plus GST, with no published spend-based waiver.
The strongest published rate is 12% on travel, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. The issuer publishes no additional spend condition for this card's lounge access.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
Utility, telecom and insurance spends earn 1 Reward Point per Rs. 100 rather than the online or offline rate. Utility, telecom and insurance spends earn 1 Reward Point per Rs. 100 rather than the online or offline rate. Utility, telecom and insurance spends earn 1 Reward Point per Rs. 100 rather than the online or offline rate.
Redeemed through the issuer's rewards programme as published on the card's product page
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
12 Reward Points per Rs. 100 on international transactions, 8 per Rs. 100 online, 4 per Rs. 100 offline and 1 per Rs. 100 on utility, telecom and insurance. The international rate being the highest is unusual — most cards here treat foreign spending as ordinary and charge a markup on top of it.
Partly, and it depends what a point is worth. AU publishes a 3.49% foreign currency markup on this variant, so the 12-point rate is earning back part of a charge the card itself levies. AU does not publish a rupee value for the point, so whether the net is positive cannot be calculated from the bank's own figures — which is worth knowing before choosing it for that purpose.
Eight complimentary railway lounge visits a year with a maximum of two a calendar quarter, and two complimentary domestic airport lounge visits a quarter. For a card at Rs. 884 with taxes that is a generous allowance — several cards here charging three times as much give less.
Yes, and it is AU's bank-wide rule rather than this card's: complimentary domestic airport lounge access is unlocked by spending at least Rs. 20,000 in a calendar quarter and applies in that same quarter, and only the primary cardholder qualifies.
AU publishes no spend-based waiver for this card's Rs. 749 plus taxes annual fee, so it is payable every year. The Rs. 2,50,000 milestone pays 5,000 Reward Points, which is the nearest thing to earning the fee back — but without a published point value its rupee worth cannot be stated.
5,000 Reward Points on minimum retail spends of Rs. 2,50,000 in a card anniversary year — about Rs. 21,000 a month. That is reachable for a household using the card as its main one, and it is the card's largest single reward event.
Read the reward table in order and the card's argument becomes clear: 12 Reward Points per Rs. 100 on international transactions, 8 online, 4 offline, and 1 on utility, telecom and insurance. Nothing else in this catalogue puts foreign spending at the top. Travel cards here pay their best rate on travel bookings; this one pays it on the transaction being in a foreign currency, wherever it happens.
That is genuinely useful for somebody who works with overseas suppliers, subscribes to services billed abroad, or simply spends a few weeks a year outside India — categories most Indian cards treat as ordinary spending.
AU publishes a foreign currency markup of 3.49% on this variant. So the 12-point rate is, in part, the card earning back a charge the card itself levies — and whether the net comes out positive depends on what a Reward Point is worth.
AU does not publish that figure for the Xcite Ultra, which is why we quote point counts here rather than percentages. If low-cost foreign spending is the goal rather than points, AU's own ixigo AU card charges 0.99% and is lifetime free, and that is the simpler answer.
The lounge allowance. Eight complimentary railway lounge visits a year with a maximum of two a calendar quarter, plus two domestic airport lounge visits a quarter — sixteen visits in total across two kinds of lounge, on a card costing Rs. 884 with taxes.
Several cards in this catalogue charge three or four times as much for less. The condition is AU's bank-wide one and applies here as everywhere in the range: domestic airport lounge access needs at least Rs. 20,000 of spending in a calendar quarter, in that same quarter, and only the primary cardholder qualifies.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
AU Bank Xcite Ultra Credit Card — 12% on travel. ₹884 a year.