AU Small Finance BankVisaLifetime FreeXcite Ultra Credit Card
3.7NeoFinQ editorial rating
High rewards on international transactions, lifetime free
- 12X points on international transactions
- Lifetime free
- Lounge access
- Joining fee
- ₹0
- Annual fee
- ₹0
- Reward type
- points
- Best for
- Travel
- Est. rewards
- ₹18,500/yr
Our verdict
Excellent for international transactions and online shopping.
Perfect for
- International transaction users
- Online shoppers
Not ideal for
- Cashback-focused users
Pros & cons
- 12X points on international transactions
- Lifetime free
- Lounge access
- Limited rewards outside specific categories
Rewards
15 Reward Points per ₹100 on International Transactions; 6 Reward Points per ₹100 on Dining, Cinema, Grocery & Video Streaming; 3 Reward Points per ₹100 on other retail spends.
| Category | Earn rate |
|---|---|
| Travel | 5% |
| Cashback | 3% |
Benefits
Airport lounge
- 1 domestic lounge visits/yr
- 1 international lounge visits/yr
Travel
- 1 domestic airport lounge visit per quarter (subject to spend of ₹20,000 in previous quarter); 2 railway lounge visits per quarter; 1 international airport lounge visit per year via Priority Pass.
Fees & charges
| Joining fee | ₹0 |
| Annual fee | ₹0 (Lifetime Free) |
Eligibility
Employment
Salaried / Self Employed
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