AU Bank Xcite Ultra Credit Card

Welcome to our comprehensive guide on the AU Bank Xcite Ultra Credit Card. In this detailed review, we’ll take you through the exciting world of this credit card, highlighting its outstanding features and the myriad benefits it brings to cardholders. Whether you’re a seasoned credit card user or considering your first, join us on this journey to discover all that the AU Bank Xcite Ultra Credit Card has to offer.

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AU Bank Xcite Ultra Credit Card

The AU Bank Xcite Ultra Credit Card is a premium offering from AU Small Finance Bank, packed with a range of exciting benefits. As the top variant in the new LTF range of Xcite credit cards, this card stands out with its impressive features. It comes with no annual membership fee, making it an affordable choice for cardholders. The card offers a fantastic reward rate of up to 12 Reward Points on every Rs. 100 spent, allowing users to earn rewards faster on their purchases. With the SwipeUp platform, AU Bank aims to provide upgraded credit cards not just to its existing customers but to individuals holding cards from any other bank. The AU Bank Xcite Ultra Credit Card is an enticing option for those seeking top-notch rewards and benefits in their credit card.

Features and Benefits of AU Bank Xcite Ultra Credit Card

Movie & Dining: Enjoy up to 30% off on your dining expenses.
Rewards Rate: Earn 4 Reward Points (RPs) for every Rs. 100 spent offline, 8 RPs for every online spend, and 12 RPs for every international spend of Rs. 100.
Reward Redemption: Redeem earned reward points for various options through AU Rewardz portal at a rate of 1 RP = Re. 0.25.
Travel: Benefit from complimentary access to railway and airport lounges.
Domestic Lounge Access: Get 2 free domestic airport lounge and 2 railway lounge accesses every quarter.
International Lounge Access: Not available.
Insurance Benefits: Receive personal accident cover worth Rs. 50 lakhs, purchase protection cover worth Rs. 25,000, and credit liability cover worth Rs. 2 lakhs.
Zero Liability Protection: Obtain zero liability protection in case of a lost or stolen card by reporting the loss to the bank promptly.

AU Bank Xcite Ultra Credit Card Fees and Charges

Joining Fee: No fee to join the card.
Renewal Fee: No fee for card renewal.
Foreign Currency Markup: 3.49% of the transaction amount for international purchases.
Interest Rates: 3.49% per month on any outstanding balance.
Fuel Surcharge: Enjoy a 1% fuel surcharge waiver on fuel transactions between Rs. 200 and Rs. 5,000.
Cash Advance Charge: For cash withdrawals, a fee of 2.5% of the withdrawn amount or a minimum of Rs. 100 will apply.
Add-on Card Fee: No fee for getting an add-on card for family members.

AU Bank Xcite Ultra Credit Card Eligibility

  • Applicant’s age must be between 21 to 60 years.
  • Supplementary card applicant’s age should be at least 18 years.
  • Applicant must be a resident of India.
  • Applicant should have a good credit history.

How to apply for AU Bank Xcite Ultra Credit Card?

  1. Go to the official website of AU Bank ( https://www.aubank.in/ )
  2. Look for the “Credit Cards” or “Cards” section.
  3. Find and select the Swipe Up Platform from the list of available credit cards.
  4. Provide your registered mobile number and PAN number for the card upgrade.
  5. Enter the first 6 digits of your current credit card and choose the Xcite Ultra variant.
  6. Compare the benefits of your current card with the Xcite Ultra Credit Card.
  7. Fill in the required details and apply for the Xcite Ultra Credit Card.
  8. After submitting the application and necessary documents, the bank will review your application.

Frequently Asked Questions (FAQs) -

AU Bank Xcite Ultra Credit Card is a feature-rich credit card offered by AU Small Finance Bank. It provides cardholders with a range of benefits, including rewards, discounts, and exclusive privileges.

You can apply for the AU Bank Xcite Ultra Credit Card through the official website of AU Small Finance Bank. The application process is typically online, and you may need to provide necessary documents such as identity proof, address proof, and income details.

The key features include cashback rewards, discounts on specific categories, travel benefits, fuel surcharge waiver, and exclusive access to events. Check the terms and conditions for the most up-to-date information on features and benefits.

You can check the status of your credit card application by contacting the AU Small Finance Bank customer service or logging into the online portal using your application reference number.

Eligibility criteria may vary, but generally, you need to meet certain age, income, and credit score requirements. It’s advisable to check the specific eligibility criteria on the official website or by contacting the bank directly.

You can redeem the rewards through the bank’s rewards program portal or as per the guidelines provided by AU Small Finance Bank. The redemption options may include cashback, gift vouchers, merchandise, or other benefits.

Credit card fees can change, and it’s important to refer to the latest fee structure provided by AU Small Finance Bank. Some credit cards may have an annual fee, while others may offer waivers based on usage or spending patterns.

AU Bank Xcite Ultra Credit Card typically comes with security features such as EMV chip technology, SMS alerts for transactions, and the option to set transaction limits. Ensure you follow best practices to keep your card and information secure.

You can contact AU Small Finance Bank’s customer support through the helpline number provided on their website or visit the nearest branch. Additionally, you may have access to online chat support through the bank’s official portal.

Credit card terms and conditions may include information about international transaction fees. Check the documentation provided by AU Small Finance Bank to understand the charges associated with using your credit card for transactions outside your home country.