AU Xcite Ultra Credit Card

You earn 12 reward points per Rs. 100 spent internationally, 8 points per Rs. 100 on online purchases, 4 points per Rs. 100 on offline spends, and 1 point per Rs. 100 on utility, telecom, and insurance payments.

Yes. You receive 500 bonus reward points by making retail spends of Rs. 5,000 or more between the 1st and 5th of every calendar month, subject to the card\'s applicable reward terms and conditions.

The card provides 8 complimentary railway lounge visits per year (maximum 2 per calendar quarter) and 2 domestic airport lounge visits every quarter, subject to Rs. 50,000 spend in the previous quarter.

Yes. The card includes a complimentary annual Times Prime membership as a welcome benefit. You can also earn 5,000 reward points after making retail spends of Rs. 2.5 lakh in a card anniversary year.

Yes. A 1% fuel surcharge waiver is available on eligible fuel transactions between Rs. 400 and Rs. 5,000, with a maximum benefit of Rs. 200 per month, subject to the card\'s terms.

The card has no joining fee and an annual fee of Rs. 749 plus applicable taxes. Finance charges are 3.75% per month (45% p.a.), while the late payment fee is 15% of the total amount due, subject to a minimum of Rs. 10 and a maximum of Rs. 1,300.