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AU Xcite Ultra Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
Milestone Benefit: Get 5,000 reward points on spending INR 2.5 Lakhs in a year.
Cashback Rate
Users will get 12 reward points of spend of every INR 100 on international spends.
Value of 1 reward point is INR 0.25.
International Cashback Rate: 3%.
User will get 8 reward point on all online spends per INR 100.
Online Cashback Rate: 2%.
User will get 4 reward point on all offline spends per INR 100.
Offline Cashback Rate: 1%.
User will get 1 reward point on utility, insurance and telecom spends.
Utility+ Cashback Rate: 0.25%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Additional 500 rewards points on spend of INR 5,000 done between 1st and 5th of every month.
2 Free railway lounge visits per quarter.
Free INR 20 Lakh Air Accident Cover.
Free device protection plan on mobile phones and 1-year extended warranty for mobile phones, tablets, laptops, and white goods purchased.
Free concierge services.
Fuel Surcharge: 1%, waived for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (Maximum cashback INR 200 per statement cycle).
Annual Fee waived on spending INR 2,00,000 or more in a year.
Lounge Access
2 Free domestic airport lounge visits per quarter if the cardholder has spent a minimum of INR 50,000 in the previous quarter.
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
Milestone Benefit: Get 5,000 reward points on spending INR 2.5 Lakhs in a year.
Cashback Rate
Users will get 12 reward points of spend of every INR 100 on international spends.
Value of 1 reward point is INR 0.25.
International Cashback Rate: 3%.
User will get 8 reward point on all online spends per INR 100.
Online Cashback Rate: 2%.
User will get 4 reward point on all offline spends per INR 100.
Offline Cashback Rate: 1%.
User will get 1 reward point on utility, insurance and telecom spends.
Utility+ Cashback Rate: 0.25%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Additional 500 rewards points on spend of INR 5,000 done between 1st and 5th of every month.
2 Free railway lounge visits per quarter.
Free INR 20 Lakh Air Accident Cover.
Free device protection plan on mobile phones and 1-year extended warranty for mobile phones, tablets, laptops, and white goods purchased.
Free concierge services.
Fuel Surcharge: 1%, waived for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (Maximum cashback INR 200 per statement cycle).
Annual Fee waived on spending INR 2,00,000 or more in a year.
Lounge Access
2 Free domestic airport lounge visits per quarter if the cardholder has spent a minimum of INR 50,000 in the previous quarter.
Fees & Charges of
AU Xcite Ultra Credit Card
Joining Fee
INR 749+ GST.
Annual Fee
INR 749+ GST.
Cash Advance Fee
2.5% of amount withdrawn, subject to a minimum of INR 100.
Interest rate
3.49% per month (41.88% annually)
Late Payment Fee
Late Payment fees: 15% of the due amount ranging from INR 0 to INR 1300 for outstanding amount.
Foreign Currency Transactions Fee
3.49%
Other Fees
Reward Point Redemption Fee: INR 99.
Joining Fee
INR 749+ GST.
Annual Fee
INR 749+ GST.
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
3.49% per month (41.88% annually)
Late Payment Fee
Late Payment fees: 15% of the due amount ranging from INR 0 to INR 1300 for outstanding amount.
Foreign Currency Transactions Fee
3.49%
Other Fees
Reward Point Redemption Fee: INR 99.
Fee and Charges of
AU Xcite Ultra Credit Card
Special Features
None.
Eligibility Criteria
Age: age over 21.
Residence: reside in an AU Bank serviceable area.
Speical Feature, Eligibility and Benefits of
AU Xcite Ultra Credit Card
How to apply for Credit Card?
Here are the steps on how to apply for an AU Xcite Ultra Credit Card:
Go to the AU Bank website and click on the "Apply for Credit Card" tab.
Select the Xcite Ultra Credit Card from the list of credit cards.
Enter your personal information, such as your name, address, and contact details.
Enter your employment information, such as your employer's name and your income.
Upload a copy of your PAN card and a recent passport-sized photograph.
Read and agree to the terms and conditions of the credit card.
Click on the "Submit" button.
An AU Bank representative will contact you to verify your information and to complete the application process.
Contact Details
24/7 toll-free helpline number 1800 1200 1500, non-toll number 0141-7141100, or email at creditcard.support@aubank.in
Account Opening and Procedure of
AU Xcite Ultra Credit Card
Product Review of
AU Xcite Ultra Credit Card
The card is packed with all kind of benefits. 10% cashback on PhonePe spends is a solid plus point. Overall it is one of the best credit cards in India.
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review of
AU Xcite Ultra Credit Card
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
