All Cards
visaplatinumcredit
AU Xcite Ultra Credit Card
AU Small Finance Bank
travelshopping
Annual Fee
₹749
Joining Fee
₹749 + GST
Base Reward
4% Reward Points
Foreign Markup
3.49%
Fee Waiver
Annual Fee Waiver on Spends of ₹2 Lakh or More
Interest Rate
3.75% per month
Product Highlights
- Earn additional 500 Reward Points per month
- Complimentary railway and airport lounge access
- Get dedicated concierge services
Rewards
Earn 4 Reward Points on every offline spend of ₹100, 8 Reward Points on every online spend, and 12 Reward Points on every international spend of ₹100.
Redemption
1 RP = ₹0.25 against statement
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 8%(8 Reward Points on Online Spend) | No cap |
travel | 12%(12 Reward Points on International Spend) | No cap |
other | 4%(4 Reward Points on Offline Spend) | No cap |
Benefits & Features
Domestic: 2 Free Domestic Lounge Visits Each Quarter (Spends of ₹20,000 Each Quarter) 2 complimentary domestic airport lounge access every quarter, capped at 8 visits per year.
Fees & Charges
Annual Fee₹749
Joining Fee₹749 + GST
Fee WaiverAnnual Fee Waiver on Spends of ₹2 Lakh or More
Foreign Markup3.49%
Interest Rate3.75% per month
Cash Advance2.5% of amount, min ₹500
Redemption Fee₹99 + GST
Eligibility
Min Age
21 years
Max Age
60 years
Available Networks
visarupay
Pros & Cons
Pros
- Up to 12 Reward Points on international spends
- Complimentary device protection plan on electronic devices
Cons
- No rewards on rent, fuel, education, government transactions, or wallet reloads
- No welcome benefits
Additional Info
Maximum waiver per statement cycle is capped at ₹200 per month.
Excluded Categories
fuelrent