AU Bank Xcite Ultra Credit Card: Detailed Review

The AU Bank Xcite Ultra Credit Card is a credit card that allows all its cardholders to attain a large amount of benefits and rewards. If you are someone who tends to travel a lot for business or pleasure, this credit card can offer you the best travel benefits. 

Let us look in detail into this AU Bank credit card and see how it works and what are its specifications.

Fees and Charges

• Foreign Currency Markup: If you use the AU Bank Xcite Ultra Credit Card to buy things in another country, you’ll have to pay an extra fee. This extra fee is 3.49% of the total amount you spend. So, if you buy something for ₹8,000, you’ll pay ₹280 more.
• Interest Rates: When you borrow money using the AU Bank Xcite Ultra Credit Card and don’t pay it back right away, you’ll get charged 3.49% extra every month. It’s like paying a little more each month until you pay back all the money.
• Fuel Surcharge: If you buy gas using the AU Bank Xcite Ultra Credit Card and spend between Rs. 200 and Rs. 5,000, you won’t have to pay an extra fee for the gas. You save 1% with the AU Bank Xcite Ultra Credit Card.
• Cash Advance Charges: If you use the AU Bank Xcite Ultra Credit Card to get cash, you’ll be charged 2.5% of the amount you take out. But no matter how little you take, you’ll always pay at least Rs. 100. So if you get Rs. 1,000, you’ll pay Rs. 25, but if you only get Rs. 50, you’ll still pay Rs. 100.

AU Bank Xcite Ultra Credit Card Details

Milestone Benefits

• First 5 Days Bonus: If you spend Rs. 5,000 or more with the AU Bank Xcite Ultra Credit Card in the first 5 days of any month, you get 500 bonus Reward Points. It’s like a special reward for spending early.
• Yearly Spending Bonus: If you spend Rs. 2.5 lakhs or more in a whole year, you get 5,000 bonus Reward Points. It’s a big reward for lots of spending over the year.

Airport Lounge Access

• Quarterly Lounge Visits: You can get into 2 domestic airport lounges for free every 3 months, which means you have 8 free visits every year. It’s a nice break before your flights.

Railway Lounge Access

• Yearly Lounge Visits: You get 8 free visits to railway lounges each year, but only 2 per 3 months. The lounges are in cities like Kolkata, New Delhi, Jaipur, Ahmedabad, and Agra. Plus, if you have an add-on card, you can use these free visits too.

Free Device Protection Plan

• Device Protection: With the AU Bank Xcite Ultra Credit Card, you get a free protection plan for your electronics like phones, tablets, and laptops. You also get a one-year extended warranty on these devices.

Insurance Benefits

• Personal Accident Cover: You get insurance worth Rs. 50 lakhs if something happens to you in an accident.
• Purchase Protection: If something you buy gets lost or damaged, you have up to Rs. 25,000 in protection.
• Credit Shield Cover: You get up to Rs. 2 lakhs cover if you can’t pay your credit card bill.
• Travel Insurance: You also get insurance for things like flight delays, lost baggage, or a lost passport when you travel.

Concierge Services

• Special Help: The AU Bank Xcite Ultra Credit Card gives you a concierge to help with travel, entertainment, booking flights or hotels, and even setting up golf sessions.

Fuel Surcharge Waiver

• Fuel Savings: You don’t have to pay an extra 1% fee on fuel purchases between Rs. 400 and Rs. 5,000. You can save up to Rs. 250 per month on fuel with the AU Bank Xcite Ultra Credit Card.

Reward Offers of AU Bank Xcite Ultra Credit Card

Reward Points for Offline Purchases

• 4 Points for Shopping: When you buy stuff in stores with the AU Bank Xcite Ultra Credit Card and spend Rs. 100, you earn 4 Reward Points. So, shopping in stores gets you points too.

Reward Points for Online Spending

• 8 Points for Online Buying: If you use the AU Bank Xcite Ultra Credit Card to shop online and spend Rs. 100, you’ll get 8 Reward Points. Online shopping gets you even more points.

Reward Points for International Transactions

• 12 Points for Travelling: When you use your AU Bank Xcite Ultra Credit Card for purchases outside of India and spend Rs. 100, you’ll earn 12 Reward Points. Travelling gets you the most points.

No Points for Some Payments

• No Points for Certain Bills: You won’t earn Reward Points when you pay for rent, buy fuel, or reload wallets with the AU Bank Xcite Ultra Credit Card. Some things just don’t give points.

Eligibility Criteria for AU Bank Xcite Ultra Credit Card

Age for Primary Card

• 21 to 60 Years Old: To get the AU Bank Xcite Ultra Credit Card as the main cardholder, you need to be between 21 and 60 years old. That’s the age range needed to apply for the card.

Age for Add-On Card

• 18 Years and Up: If you want to get an add-on card for someone else, they need to be at least 18 years old. It’s perfect for older kids or family members.

Resident Requirement

• Live in India: You need to live in India to get the AU Bank Xcite Ultra Credit Card. It’s for people who are residents here.

Credit History

• Good Credit History: To apply for the AU Bank Xcite Ultra Credit Card, you should have a good credit history. This means you need to have a track record of paying back money responsibly.

Application Process for AU Bank Xcite Ultra Credit Card

• Go to SwipeUp Platform: First, visit the AU Bank’s SwipeUp website. 
• Enter Your Info: Type in your mobile number and PAN number that are linked to the card you want to upgrade.
• Card Details: Put in the first 6 digits of your current credit card and choose the Xcite Ultra variant. This helps in finding your card.
• Compare and Apply: Compare the benefits of your current card and see how they stack up against the Xcite Ultra Credit Card. If you like it, apply by filling out the required details.

FAQs