AU Xcite Ultra Credit Card
8 points/₹100 eligible domestic online spend; ₹0.20 e-voucher value. ₹749+GST annual fee.
Try your spend →How this estimate works
The Hindi-language AU Xcite Ultra product page expressly lists 8 reward points per ₹100 on eligible online spend and 12 per ₹100 on international spend; this calculator uses only domestic online purchases and leaves in-store spend unestimated because this issuer page does not give a clear offline rate. The English AU Xcite Ultra product page corroborates the card and ₹749 annual membership fee. One eligible online transaction per month is assumed; transaction remainders below ₹100 do not earn. AU says points redeem for e-vouchers at ₹0.20 each, not cashback; the 200-point minimum and one ₹99+GST annual redemption fee are applied if annual points clear the minimum. The May 2026 cardmember agreement caps Xcite Ultra rewards at 25,000 points per statement cycle. Cash, rent, education/government, EMI, fuel, BBPS, quasi-cash and transportation MCCs do not earn. Utility/insurance and special or uncertain merchant routes are left unestimated. First-five-days monthly bonus, annual ₹2.5 lakh milestone, lounge access and fuel waiver are omitted. ₹749+GST annual fee is deducted in ranking; the ₹2 lakh previous-year spend waiver is not assumed. Vouchers need an eligible redemption and may yield less than the face-value estimate.
Issuer terms
AU Hindi Xcite Ultra page: online earn rate and exclusions · AU English Xcite Ultra card and fee · AU member agreement: point cap and expiry · AU Rewardz FAQ: value, minimum and redemption fee · AU current schedule of charges
Terms checked 29 September 2026. Voucher value requires redemption, not statement cashback.