Verified — 16/16 categories
AU
Xcite Ultra
Best forShopping & Groceries
Earns8 RP/₹100 RP/₹100 on shopping
1st Year / Joining Fee
₹749 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,00,000
annual spend
Network
Not recorded
AU
Xcite Ultra
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on shopping and groceries, where it earns 8 RP/₹100 RP/₹100
- Annual fee is waived at ₹2,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Shopping8 RP/₹100 RP/₹100
Groceries4 RP/₹100 RP/₹100
Dining4 RP/₹100 RP/₹100
Food Delivery4 RP/₹100 RP/₹100
Travel4 RP/₹100 RP/₹100
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | No reward | — | —Details
|
| Insurance | 1 RP/₹100 RP/₹100 | 25,000 RP per statement | AU Xcite Ultra: 1 RP/₹100 on InsuranceDetails
|
| Utilities | 1 RP/₹100 RP/₹100 | 25,000 RP per statement | AU Xcite Ultra: 1 RP/₹100 on UtilitiesDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | 4 RP/₹100 RP/₹100 | 25,000 RP per statement | AU Xcite Ultra: 4 RP/₹100 on GroceriesDetails
|
| Dining | 4 RP/₹100 RP/₹100 | 25,000 RP per statement | AU Xcite Ultra: 4 RP/₹100 on DiningDetails
|
| Food Delivery | 4 RP/₹100 RP/₹100 | 25,000 RP per statement | AU Xcite Ultra: 4 RP/₹100 on Food DeliveryDetails
|
| Shopping | 8 RP/₹100 RP/₹100 | 25,000 RP per statement | AU Xcite Ultra: 8 RP/₹100 on ShoppingDetails
|
| Travel | 4 RP/₹100 RP/₹100 | 25,000 RP per statement | AU Xcite Ultra: 4 RP/₹100 on TravelDetails
|
| Government | Not eligible | — | AU Credit Card Member Agreement §23.5.1: "Rent, Education & Govt and BBPS transactions will not be eligible for Reward Points" (card family named in the §23.5 capping table with no Government category allowance)Details
|
| Wallet | No reward | — | —Details
|
| Railways | 4 RP/₹100 RP/₹100 | 25,000 RP per statement | AU Xcite Ultra: 4 RP/₹100 on RailwaysDetails
|
| FASTag | 4 RP/₹100 RP/₹100 | 25,000 RP per statement | AU Xcite Ultra: 4 RP/₹100 on FASTagDetails
|
| Jewellery | 4 RP/₹100 RP/₹100 | 25,000 RP per statement | AU Xcite Ultra: 4 RP/₹100 on JewelleryDetails
|
| Telecom | 1 RP/₹100 RP/₹100 | 25,000 RP per statement | AU Xcite Ultra: 1 RP/₹100 on TelecomDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹749 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,00,000
annual spend
Reward caps
- Multiple — 25,000 RP / statement (shared cap — Multiple)
Key benefits
Rewards
8 RP/₹100 RP/₹100 on shopping
Milestone benefit
500 bonus RP at ₹5,000 retail spend per statement
Fee waiver
Annual fee waived on ₹2,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Multiple rewards are capped at 25,000 RP / statement (shared cap — Multiple)
- No reward on: Rent, Education, Fuel, Wallet
- Not eligible: Government
Who should consider this card
✓ Good fit if
- Your spending is concentrated in shopping, groceries, dining
- You can reach the ₹2,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, education, fuel, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 1 caps · 5 no-reward categories
Caps
- Multiple — 25,000 RP / statement (shared cap — Multiple)
Categories with no reward or not eligible
- Rent — No reward.
- Education — No reward.
- Fuel — No reward.
- Government — Not eligible. AU Credit Card Member Agreement §23.5.1: "Rent, Education & Govt and BBPS transactions will not be eligible for Reward Points" (card family named in the §23.5 capping table with no Government category allowance).
- Wallet — No reward.
Milestones · 1 recorded
- Milestone — 500 bonus RP at ₹5,000 retail spend per statement.
Eligibility
Subject to AU's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 4 areas
4 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-23
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-23
Documents used
AU Small Finance Bank — Xcite Ultra Official Product Documentation · SRC-AU-15 · 2026-09-23