AU Bank Xcite Ultra Credit Card – Benefits, Fees & Eligibility

AU Bank Xcite Ultra Credit Card

Introduction

The AU Bank Xcite Ultra Credit Card is positioned as the most premium offering on the bank's SwipeUp platform, which allows existing credit cardholders from any bank to upgrade. This card boasts a zero annual membership fee and provides a competitive reward rate of up to 12 Reward Points for every Rs. 100 spent. Cardholders can also benefit from monthly bonus rewards and additional reward points based on milestone spends. Travel privileges include complimentary access to domestic railway and airport lounges, alongside comprehensive travel-based insurance covers extending up to Rs. 50 lakhs.

Welcome Benefits

• No specific welcome benefits are listed beyond the ongoing reward structure.

Fees

• Joining Fee: Nil
• Renewal Fee: Nil
• Rewards Redemption Fee: ₹99 + GST
• Foreign Currency Markup: 3.49% of the transaction amount
• Interest Rates: 3.59% Per Month (43.08% Per Annum)
• Fuel Surcharge: 1% fuel surcharge waiver on all fuel transactions between Rs. 200 and Rs. 5,000, with a maximum waiver capped at Rs. 250 per statement cycle.
• Cash Advance Charges: 2.5% of the withdrawn amount or ₹500, whichever is higher.

Rewards

• Movies & Dining
  • Get up to 30% off on dining spends.
• Rewards Rate
  • Earn 4 Reward Points on every offline spend of Rs. 100.
  • Earn 8 Reward Points on every online spend of Rs. 100.
  • Earn 12 Reward Points on every international transaction of Rs. 100.
  • No reward points are earned on rent payments, fuel transactions, or wallet reloads.
• Milestone Benefits
  • Get 500 bonus Reward Points on spending Rs. 5,000 or more within the first 5 days of a month.
  • Get 5,000 bonus Reward Points on spending Rs. 2.5 lakhs or more in the previous anniversary year.
• Travel
  • Complimentary access to railway lounges, with 8 visits per year, capped at 2 visits per quarter.
  • Railway lounge access is available in selected cities: Kolkata (Sealdah), New Delhi, Jaipur, Ahmedabad, and Agra.
  • Add-on credit cardholders can also avail of free railway lounge access within the complimentary visits allocated to the primary cardholder.
• Domestic Lounge Access
  • Enjoy 2 free domestic airport lounge visits each quarter upon spending ₹20,000 or more in that quarter, totaling 8 free visits annually.
• Insurance Benefits
  • Personal accident cover worth Rs. 50 lakhs.
  • Purchase protection cover of up to Rs. 25,000.
  • Credit liability cover worth up to Rs. 2 lakhs.
  • Travel-based insurance coverage against flight delay, lost/delayed baggage, and loss of passport.
• Lifestyle
  • Complimentary device protection plan offering a one-year extended warranty on mobile phones, tablets, laptops, and white goods purchases made with the card.
• Concierge Services
  • Dedicated concierge services are available for customized travel, entertainment, or leisure experiences, including booking flights/hotels and golf sessions.

Rewards Redemption Guide

• Earned reward points can be redeemed against various options via the AU Rewardz portal.
• The redemption rate is 1 Reward Point = Re. 0.25.
• A rewards redemption fee of ₹99 + GST is applicable.

Card Eligibility Criteria

• Age: The primary card applicant should be between 21 and 60 years of age. Add-on card applicants must be a minimum of 18 years old.
• Residency: The cardholder must be a resident of India.
• Credit History: The applicant should possess a decent credit history.

Card Review

The AU Bank Xcite Ultra Credit Card is considered a great deal, especially for those seeking a premium, lifetime-free card. It offers a strong reward point earning potential, including up to 8,000 bonus reward points annually through milestone benefits. The card provides a wide array of privileges across various categories such as travel (domestic airport and railway lounge access), dining discounts, and comprehensive insurance coverage. Additional benefits like concierge services and a device protection plan further enhance its value. If an individual meets the eligibility criteria, upgrading to or acquiring this card is highly recommended due to its extensive benefits and zero annual fee.

Important Product Details

• Lifetime free credit card with no joining or renewal fees.
• High reward rates: 4 RPs on offline, 8 RPs on online, and 12 RPs on international spends per Rs. 100.
• Monthly bonus of 500 Reward Points on spending Rs. 5,000 or more within the first 5 days of the month.
• Annual bonus of 5,000 Reward Points on spending Rs. 2.5 lakhs or more in the anniversary year.
• Complimentary domestic airport lounge access (2 visits per quarter on spending Rs. 20,000).
• Complimentary railway lounge access (8 visits per year, 2 per quarter).
• Comprehensive insurance benefits including personal accident cover (Rs. 50 lakhs), purchase protection (Rs. 25,000), credit liability cover (Rs. 2 lakhs), and travel insurance.
• Up to 30% off on dining spends.
• Includes a free device protection plan with a one-year extended warranty on electronics.
• Dedicated concierge services for travel and leisure arrangements.
• 1% fuel surcharge waiver (capped at Rs. 250 per month).
• Rewards redemption fee of ₹99 + GST applies.
• Foreign currency markup fee is 3.49%.
• No reward points on specific categories like rent, fuel, and wallet reloads.

Other Details

• The card is offered through AU Bank's SwipeUp platform, designed for upgrading existing credit cards from any bank.
• How to Apply:
  • Online: Visit the AU Bank's SwipeUp platform, enter your mobile number and PAN registered with the card you wish to upgrade, then enter the first 6 digits of your existing credit card, select the Xcite Ultra variant, compare benefits, and fill in the required details to apply.
  • Offline: Visit the nearest AU Bank branch and consult bank officials for assistance with the application process.