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Additional Rewards Every Month

Earn additional 500 Reward Points* on retail spends of ₹5,000 done between 1st to 5th of every calendar month

Accelerated Reward Points

Get rewarded with reward points when you spend on selected categories. Check where to spend!

Milestone Benefit

Get 5,000 Rewards Points on minimum retail spends of ₹2.5 lacs in a card anniversary year. Choose your vouchers from a bouquet of top brands

Complimentary Lounge Access

Unwind during your travel with 2 complementary Domestic Airport Lounge Access per quarter

Complimentary Railway Lounge Access

8 complimentary lounge access per annum (maximum 2 per calendar quarter), using AU Credit Card at railway stations. For detailed terms & conditions, click here

 

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Fuel Surcharge Waiver

Enjoy 1% Fuel Surcharge Waiver (up to ₹200) for transactions between ₹400 and ₹5,000 at all fuel stations across the country

Comprehensive Protection Cover

Air accident cover of up to ₹20 Lacs.

Complimentary Device Protection Plan

Complimentary device protection plan on mobile phones and 1-year extended warranty for mobile phones, tablets, laptops, and white goods purchased.

AU Rewardz

Get a plethora of options to redeem your Reward Points for amazing benefits.

Dedicated Concierge Services

Customize your travel, entertainment, and leisure experiences with our Global Concierge Assistance.

Contactless Card Usage

Make quick & secure payments up to ₹5,000 without entering your PIN by tapping your card or mobile phone with digitally added card, against a POS machine.

Xpress EMI

Now convert transactions of ₹500 and above with a minimum total value of ₹2,000 into EMI, club up to 20 Billed or Unbilled transactions together for conversion.

 

Add-on Cards

Offer your Xcite Ultra Credit Card benefits to your loved ones, through our Add on card offering. 

Curated Offers

Exclusive offers on MMT, Times Prime Membership and Alaya stays.

    Things to know

    Fees and Charges

    • Annual Card Membership Fee - ₹ 749 + applicable taxes

    Click here to view Key Fact Statement.

    • Conditions for Annual Card Fee waiver

    For 2nd year onwards fee waiver – ₹ 2,00,000 retail spends done in previous card anniversary year

    Eligibility Criteria

    Primary cardholder age group

    • Self Employed: 25 years to 65 years

    • Salaried: 21 years to 60 years

     

    Add-on cardholder

    • Should be over 18 years

     

    Resident Indian

     

    Note: These criteria are only indicative. AU Small Finance Bank reserves the right to approve or decline applications for Credit Card.

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    Why AU

    • <p>National presence</p>

      National presence

      Bank with us through a network of 2,700+ touchpoints .

    • <p>Get a bit more</p>

      Get a bit more

      Enjoy quality services at competitive rates.

    • <p>Visit branches without the wait</p>

      Visit branches without the wait

      Our ample touchpoints ensure all our customers are conveniently served.

    • <p>Superfast app</p>

      Superfast app

      Manage and track all your transactions on the AU 0101 App.

    • <p>Sustained growth</p>

      Sustained growth

      Expanding by every quarter, with a balance sheet of over ₹1 lakh crore.

    App Download Card AULogo

    Bank anywhere anytime, on the AU 0101 
mobile app

    • View balance and transactions View balance and transactions
    • Download account statement Download account statement
    • Request cheque book Request cheque book
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    Face 40+ lakh customers banking on app

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    Complimentary Lounge Access

    With effect from 10th April 2026, 2 complementary domestic lounge access every quarter is based on completing minimum spend of ₹50,000 in the previous quarter.

     

    Accelerated Reward Points

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      1 Reward Point per ₹100 spent on Utility & Telecom and Insurance spends.

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      4 Reward Points per ₹100 on offline spends.

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      8 Reward Points per ₹100 on online spends.

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      12 Reward Points per ₹100 on international spends.

    Note: Cash, Rent, Education & Govt, EMI, Fuel, BBPS and Quasi Cash transactions will not be eligible for Reward Points and cardholders will earn a maximum of 100 Reward Points per transaction on Utility & Telecom spends. With effect from 10th April 2026, Reward Points accrual on Transportation Merchant Category Codes will be discontinued.

    Comprehensive Protection Cover

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      Air accident cover: ₹50 lacs

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      Card liability cover: In an unfortunate event of loss of credit card, you carry zero liability on any fraudulent transactions made with card after reporting the loss to the bank. Also, you are protected against card counterfeit/skimming and online frauds.

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      Credit shield: Up to ₹2 lacs

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      Purchase protection: Up to ₹25,000

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      Other travel related covers: In event of baggage loss, baggage delay, delay in flight, loss of passport and plane hijack.

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      Please click here to view detailed terms and conditions. To claim any of the mentioned insurance benefits, please call our customer care no. 1800 1200 1500.

    AU Rewardz

    Some of them are:

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      E-vouchers of top brands

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      Merchandise

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      Mobile/DTH recharges

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      Flight/Hotel bookings and much more Click Here to explore our AU Rewardz offerings.

    Additional Rewards Every Month

    • Note: Excluding spends done on Rent, Wallet & Fuel.

    Complimentary Railway Lounge Access

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      Add-on cardholders can also enjoy these Railway lounge benefits within the mentioned complimentary number of visits. Please click here to view details.

    Complimentary Device Protection Plan

    Get complimentary device protection plan on mobile phones and 1-year extended warranty for mobile phones, tablets, laptops, and white goods purchased. Please click here to view details

    Dedicated concierge services

    Be it booking of your travel or arranging a golf session or planning a perfect anniversary dinner, leave it to us and relax.

     

    Call us on our 24X7 number at 1800 210 0298 (toll free) or 022-42320298

     

     

    Contactless Card Usage

    Use your AU Credit Card to make quick, secure & easy payments by just tapping the card and paying at participating merchants without entering your Credit Card PIN for amounts up to ₹5,000.

    Xpress EMI

    You may now convert eligible credit card transactions into EMIs using any of the following channels:

    • AU 0101 App (Only 2-steps for EMI conversion)

    • Net-Banking

    • Auro Chat-bot

    • WhatsApp Banking (Just write “Hi” on our official AU Bank Channel over WhatsApp (8383838399) and proceed)

    • On Call 1800 1200 1500 (Our Customer Care team will help you convert Instantly!)

    • IVR (Interactive Voice Response)

    Add-on Cards

    What's more? Your Add on card comes free for lifetime! So, go ahead and avail it.

    Curated Offers

      • Complimentary Annual Times Prime Membership that gives access to 20+ subscription & 40+ discount-led offers. Know More
      • Exclusive Stay Offers with Alaya Stays (4-star villas at coveted Indian destinations, offers available at 200+ villas) Stay for 3, Pay for 2 and 50% savings on the 2nd night. Know More

    • RuPay Offer

      • Enjoy now amazing offers available on your Xcite Ultra RuPay Credit Card. Know More
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