AU Small Finance Bank • High reward points on online and international spends, issued through AU SwipeUp.
By Deepak • Co-founder, Credwiser
Figures checked against the issuer's official MITC • Last verified 21 October 2026 • How we score
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Xcite Ultra is the top card on AU Small Finance Bank's SwipeUp platform, where you enter your existing credit card details and are offered an upgraded AU card matched to it. The reward structure is category led: 12 Reward Points per Rs. 100 on international spends, 8 per Rs. 100 on online spends, 4 per Rs. 100 on offline spends and 1 per Rs. 100 on utility, telecom and insurance spends. At the standard AU Rewardz value of Rs. 0.25 per point, that is about 3 percent on international spends and 2 percent online. On top, you earn 500 bonus points every month when you spend Rs. 5,000 or more within the first five days of the month, and 5,000 bonus points on Rs. 2.5 lakh of spends in an anniversary year. The fee is Rs. 749 plus GST, waived from the second year if you spend Rs. 2 lakh in the previous anniversary year. Travel perks include 2 domestic airport lounge visits per quarter, which need Rs. 50,000 of spends in the previous quarter, and up to 8 railway lounge visits a year. There is a personal accident cover of Rs. 50 lakh, a 1 percent fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000 capped at Rs. 200 per month, and concierge services. The forex markup of 3.49 percent is ordinary, and no points are earned on rent, fuel, education, government transactions and wallet reloads.
Annual membership fee Rs. 749 plus GST as per the AU Bank Key Fact Statement (June 2026) and the product page. Fee waiver from the second year on Rs. 2,00,000 of retail spends in the previous card anniversary year, as per the AU MITC. Fuel surcharge waiver of 1 percent on transactions between Rs. 400 and Rs. 5,000, capped at Rs. 200 per statement month for the SwipeUp Xcite series as per the MITC schedule of charges. Cash advance fee 2.5 percent or Rs. 500, whichever is higher. Finance charges 3.75 percent per month. Reward redemption fee Rs. 99 plus GST. Note: the Xcite range was marketed as lifetime free at launch, but the bank's current Key Fact Statement and product page list the Rs. 749 fee with the spend based waiver above.
Last verified against MITC: 21 October 2026 • View official MITC →
It is offered through AU Bank's SwipeUp platform. You enter your PAN, mobile number and the first six digits of your existing credit card from any bank, and SwipeUp shows the AU Xcite card you are eligible to upgrade to, which may be Xcite, Xcite Ace or Xcite Ultra.
Not as per the bank's current documents. The Key Fact Statement and product page list an annual fee of Rs. 749 plus GST, waived from the second year onwards if you spend Rs. 2,00,000 or more in the previous anniversary year.
Points redeemed through the AU Rewardz portal are generally worth Rs. 0.25 each, so the 8 points per Rs. 100 on online spends equal about 2 percent back.
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