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All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
AU SFB
Premium
•••• •••• •••• 0000
Xcite Ultra
VISAAU Small Finance Bank • Visa• Premium
Annual Fee
₹749
Base Reward Rate
1.00%
Foreign Tx Fee
3.49%
Tier
Premium
Joining Fee
₹749
Verified
2026-06-07T08:39:39.828Z
Domestic & international access details and eligibility criteria
⚠️ Activation: ₹50,000 per quarter
2 complimentary domestic airport lounge visits per quarter (8/year) on spends of Rs.50,000 each quarter
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹6,840
Blended 1.10% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
Issued via AU SwipeUp upgrade platform (upgrade from existing card). Available in Visa and RuPay variants. RP value 1 RP = Rs.0.25; redemption fee Rs.99+GST. Includes travel insurance up to Rs.50 lakh, personal accident cover Rs.50 lakh, purchase protection Rs.25,000, credit liability Rs.2 lakh, device protection (1-yr extended warranty), concierge services.
✓ No activation spend required — access is unconditional.
2 railway lounge visits per quarter (8/year), select cities: Kolkata Sealdah, Jaipur, Agra