AU Bank Xcite Ultra Credit Card
AU Bank Xcite Ultra Credit Card
4 RP/Rs. 100 (1%) on offline spends
8 RP/Rs. 100 (2%) on online spends
12 RP/Rs. 100 (3%) on international spends
Personalized Match by CredHunt • credhunt.com
Premium rewards card with high reward points on online and international spending, plus milestone benefits
Joining Fee
₹0
Annual Fee
₹0
Rating
5.0/5.0(0 reviews)
Key Features
4 RP/Rs. 100 (1%) on offline spends
8 RP/Rs. 100 (2%) on online spends
12 RP/Rs. 100 (3%) on international spends
500 bonus RP on Rs. 5,000 spent from 1st5th monthly
5,000 RP on spending Rs. 2.5 lakhs annually
Top variant in Xcite series
Rewards Program
Base Rewards
Reward Type
N/A
Base Reward Rate
5 reward points on every ₹150 spent for spends up to ₹20,000
Point Value
₹0.40/pt
Points Expiry
N/A
Bonus Rewards
Welcome Offer
10,000 reward points (worth ₹10,000) upon fee realization and card activation (for cards sourced before 18th Oct '21)
Accelerated Rewards
5X rewards on tax payments (GST, income tax) when monthly spend exceeds ₹50,000
Card Benefits
Travel Benefits
NA
Complimentary flight ticket voucher worth ₹1,500 (with qualifying conditions)
Dining & Entertainment
Not specifically mentioned beyond general cashback categories
1+1 tickets
Lifestyle & Protection
Exclusive event access
Accidental death coverage on all variants
N/A
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | N/A |
| Foreign Currency Markup | N/A |
| Cash Advance Fee | N/A |
| APR | N/A |
| Late Payment Fee | N/A |
| Fuel Surcharge | 1% waiver, maximum waiver of ₹250 per billing cycle |
| Balance Transfer Charges | N/A |
Additional Charges
Statement & Processing
Duplicate Statement Charges
N/A
Dynamic Currency Conversion Fee
N/A
EMI Charges
N/A
Loan Processing Fee
N/A
Outstation Processing Charge
N/A
Additional Fees
Overlimit Fees
N/A
Payment Return Charges
N/A
Railway Ticket Purchase Fee
N/A
Card Reissue Fee
N/A
Rent Pay Transactions
N/A
Rewards Redemption Fee
N/A
Fee Waiver Conditions
Waived on spend of ₹70,000 per year
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
Medical license
Expert Opinion
Great value travel card with substantial discounts on EaseMyTrip bookings that can justify the annual fee with just 1-2 trips per year. Low annual fee with achievable waiver condition makes it accessible to most travelers. Accelerated rewards on standalone travel providers add additional value. Limited benefits beyond travel.
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Experience the premium benefits of the AU Bank Xcite Ultra Credit Card today.