The AU Bank Xcite Ultra Credit Card, provided by AU Small Finance Bank, stands as a versatile payment tool with a host of advantages.
Part of the SwipeUp suite, which includes the AU Bank Xcite Credit Card and Xcite Ace Credit Card, the Xcite Ultra Credit Card lets you earn up to 15 Reward Points for every Rs. 100 spent.
With its lifetime free status, this card is both economical and rewarding, making it an excellent choice for those seeking to upgrade their entry-level cards.
Beyond impressive reward rates, cardholders enjoy complimentary perks such as free railway lounge access, device protection plans, and more. Explore further to unveil the myriad benefits that the AU Bank Xcite Ultra Credit Card has to offer.
Table of Contents
Benefits and Features of AU Bank Xcite Ultra Credit Card
| Benefits and Features | AU Bank Xcite Ultra Credit Card |
|---|---|
| Welcome Benefits | N/A |
| Cashback/Rewards Points | Earn generous Reward Points (RPs) with the AU Bank Xcite Ultra Credit Card: 4 RPs on every offline spend of Rs. 100 8 RPs on every online spend 12 RPs on every international spend of Rs. 100 |
| Travel Benefits | Enjoy a seamless travel experience with complimentary access to both railway and airport lounges, adding a touch of luxury to your journeys. |
| Dining Benefits | Indulge in culinary delights with up to 30% off on your dining spends, making every meal a rewarding experience. |
| Domestic Lounge Access | Make your wait comfortable with 2 free domestic airport lounge accesses and 2 railway lounge accesses every quarter. |
| International Lounge Access | N/A |
| Movie Benefits | N/A |
| Insurance Benefits | Secure your financial well-being with comprehensive insurance coverage: Personal accident cover worth Rs. 50 lakhs Purchase protection cover worth Rs. 25,000 Credit liability cover worth Rs. 2 lakhs |
Milestone Advantages
With the Xcite Ultra Card, you can enjoy exclusive milestone benefits tailored to both your monthly and annual expenditures:
- Earn 500 bonus Reward Points by spending Rs. 5,000 or more within the initial 5 days of any month.
- Acquire a substantial boost of 5,000 bonus Reward Points when your yearly expenditures reach or exceed Rs. 2.5 lakhs in the preceding anniversary year.
Airport Lounge Privileges
Indulge in the luxury of 2 complimentary domestic airport lounge visits every quarter, totaling up to 8 free visits annually.
Railway Lounge Privileges
Experience the comfort of 8 complimentary railway lounge entries each year, restricted to 2 visits per quarter. These complimentary visits are applicable in select cities, including Kolkata (Sealdah), New Delhi, Jaipur, Ahmedabad, and Agra.
Additionally, supplementary credit cardholders are eligible to enjoy free railway lounge access within the allocated complimentary visits for primary cardholders.
Eligibility for the AU Bank Xcite Ultra Card
To check the eligibility for the AU Bank Xcite Ultra Card, kindly read the AU Bank Xcite Ultra Credit Card Eligibility Blog post
Fees & Charges of AU Bank Xcite Ultra Credit Card
| Fees & Charges | AU Bank Xcite Ultra Credit Card |
|---|---|
| Joining fee | Nil |
| Annual fee | Nil |
| Fee waiver | N/A |
| Fuel surcharge | Enjoy a hassle-free refueling experience with the AU Bank Xcite Ultra Credit Card, as it provides a 100% fuel surcharge waiver on all fuel transactions falling between Rs. 200 and Rs. 5,000. This benefit applies across all fuel pumps in India when using the credit card. Drive with ease and maximize your savings with this convenient feature. |
How to Apply for AU Bank Xcite Ultra Credit Card
You can apply online or offline for this AU Small Finance Bank Credit Card.
Online – Visit AU Small Finance Bank’s official website and apply for this credit card.
Offline – Kindly visit the nearest AU Small Finance Bank branch and ensure you bring along all the required documents. The bank staff will be ready to assist you and ensure a smooth and efficient process. Your cooperation in providing the necessary documentation will contribute to a seamless experience at the branch.
