The url-pattern is indeed restrictive in matching. It only allows exact, prefix or suffix matchnig. Not midst/overall/regex matching. So e.g. /*.xhtml what you intend to do ain't going to work.
If you want to exclude XHTML in the /test folder only, then your best is really a Filter listening on an url-pattern of *.xhtml which does basically the following job in doFilter() method:
// First cast ServletRequest to HttpServletRequest.
HttpServletRequest hsr = (HttpServletRequest) request;
// Check if requested resource is not in /test folder.
if (!hsr.getServletPath().startsWith("/test/")) {
// Not in /test folder. Do your thing here.
}
The HttpServletRequest#getServletPath() basically returns the part of the request URI from the context path on.
You can if necessary configure the value /test as an <init-param> of the filter so that you can control the value from inside the web.xml instead of in the Filter's code.