Question 1

Is the AU Bank Xcite Ultra Credit Card a lifetime free card?

Accepted Answer

Yes, the AU Bank Xcite Ultra Credit Card has a Nil joining fee and Nil renewal fee, making it a lifetime free card.

Question 2

What are the reward points earnings on the AU Bank Xcite Ultra Credit Card?

Accepted Answer

You can earn up to 12 Reward Points on international spends, 8 RPs on online spends, and 4 RPs on offline spends per Rs. 100.

Question 3

Does the AU Bank Xcite Ultra Credit Card offer lounge access?

Accepted Answer

Yes, it offers 2 complimentary domestic airport lounge visits per quarter (on eligible spend) and 8 complimentary railway lounge accesses annually.

Question 4

What insurance benefits are included with the AU Bank Xcite Ultra Credit Card?

Accepted Answer

It provides personal accident cover (₹50 lakhs), purchase protection (₹25,000), credit liability cover (₹2 lakhs), and travel insurance.

Question 5

Is there a fee for redeeming reward points on the AU Bank Xcite Ultra Credit Card?

Accepted Answer

Yes, a Rewards Redemption Fee of ₹99 + GST is applicable when you redeem your reward points.

Question 6

What is the foreign currency markup on the AU Bank Xcite Ultra Credit Card?

Accepted Answer

The foreign currency markup is 3.49% of the transaction amount for international transactions.

Question 7

Can I get a fuel surcharge waiver with the AU Bank Xcite Ultra Credit Card?

Accepted Answer

Yes, you get a 1% fuel surcharge waiver on transactions between ₹200 and ₹5,000, capped at ₹250 per month.

Question 8

What are the main eligibility criteria for the AU Bank Xcite Ultra Credit Card?

Accepted Answer

Primary applicants should be 21-60 years old, a resident of India, and have a decent credit history.

Question 9

Does the AU Bank Xcite Ultra Credit Card offer any welcome benefits?

Accepted Answer

While not specifically termed 'welcome benefits,' the AU Bank Xcite Ultra Credit Card offers attractive milestone bonuses like 500 RPs monthly and 5,000 RPs annually.

Question 10

Are there any device protection benefits with the AU Bank Xcite Ultra Credit Card?

Accepted Answer

Yes, the card offers a complimentary device protection plan and a one-year extended warranty on electronic purchases.

AU Bank Xcite Ultra Credit Card

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