AU Bank Xcite Ultra Credit Card
AU Bank has launched three Xcite credit card AU Xcite, AU Xcite Ace, AU Xcite Ultra. We can apply for this credit card on C2C basis with an existing credit card and you will get upgraded version of card with better features and benefits, enhanced credit limit, lifetime free and much more. AU Xcite ultra is premium in all three card with reward rate and benefits. The card comes with zero annual fee and offer you great reward rate upto 12 reward point on online, offline and International spends. you also get 2 domestic airport lounge access and 2 railway lounge access per quarter. Apart from this you also get device protection, travel based insurance and much more. To know more about this card please read the below article.
JOINING FEE
NIL
RENEWAL FEE
NIL
BENEFITS
2 Domestic Airport Lounge & 2 Railway Lounge per calendar quarter.
REWARDS &CASHBACK
Earn upto 12 Reward points on online/offline and International transaction.
Key Features of AU Xcite Ultra Credit Card
Reward Points
- Earn 4 Reward points on every ₹100 on offline spends.
- Earn 8 Reward points on every ₹100 on online spends.
- Earn 12 Reward points on every ₹100 on International spends.
- Earn 1 Reward points on every ₹100 spend on Utility, Telecom and Insurance spends. Here you will earn maximum 100 Reward point per transaction on Utility & Telecom.
- No Reward points on transaction done on Fuel, Wallet, Rent, Education,BBPS, Govt. Transaction, EMI, Cash Advances.
Milestone spends
- Get 5000 Reward points on achieving milestone of minimum retail spends of ₹2.5lakh in card anniversary year.
- Earn additional 500 Reward points on retail spends of ₹5000 done between 1st to 5th of every calendar month.
Fuel Surcharge Waiver
- Get 1% Fuel surcharge waiver on fuel transaction between ₹400 to ₹5000 and maximum waiver is Rs.200 per month. Note that you will not get any reward point on fuel spends.
Lounge Access
- Get complimentary 2 lounge visit per quarter after spending ₹20,000 in current quarter.
- Get 2 complimentary IRCTC lounge every quarter at kolkata, New delhi, Jaipur, Agra, Ahemdabad railway station.
Dining Discount
- Get upto 30% discount at selected 300+ restaurant in 30 cities under silver spoon dining program by AU Bank.
Rupay Card
- AU Xcite Ultra Credit Card also comes under Rupay variant so you can easily linked with UPI and can enjoy seamless transaction without carrying physical card.
Reward Redemption
- The earned reward can be redeemed on AU Rewards portal for different product, gift voucher, travel related booking 1 Reard rate = ₹0.25.
Fees & Charges
Foreign Currency Markup
- The card come with high foreign currency markup fee that is 3.5% of total transaction amount. So if you are looking of any international travel & transaction credit card you can choose other cards that have zero or very less markup fee.
Finance Charges & Cash withdrawal Fee
- Interest rate is 3.5% per month that is 44% per annum.
- Cash withdawal fee is min Rs.500 upto 2.5% of cash withdrawal amount.
Device Protection Plan
- Get 1 year complimentary device protection that is screen damage protection plan for mobile phones and tablet and 1 year extended warranty for mobile phones, tablet, laptops.
Eligibility Criteria
- The applicant age must be 21-60 years for salaried employee and 25-65 years for self employed and he/she should be resident of India. The cardholder should have decent credit score.
- AU Bank has not mentioned the salary but you need salary atleast more than ₹50k per month.
- Final Thoughts
AU Xcite Ultra Credit Card is premium version of all Xcite credit card. If you have decent credit card and want to upgrade with better version with life time free then you should must try this. You can earn decent reward points with this card and also bonus reward points each month, milestone benefits, device protection, insurance, concierge service and much more. Please comment below if you have additional doubt with this card.
- Frequently Asked Questions
What is the value of 1 Reward point in AU Xcite Ultra Credit Card?
The value of 1 Reward point is ₹0.25.
Which transaction is excluded in Reward program?
Fuel, Wallet, Rent, Govt. Transaction, EMI, Cash Advances are excluded in Reward program.
Does AU Xcite Ultra offer both domestic and International lounge access?
AU Xcite Ultra offer only domestic lounge access.