AU Bank Xcite Ultra Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Receive an extra 500 Reward Points each month. Receive a maximum of 8 Reward Points for every Rs. 100 spent domestically. Receive a maximum of 12 Reward Points for every Rs. 100 spent internationally. Receive 5,000 bonus Reward Points when reaching a specific spending milestone. Enjoy complimentary access to railway and airport lounges. Receive personal accident cover valued at Rs. 50 lakhs. Receive a 1% fuel surcharge waiver on all fuel purchases. Access dedicated concierge services.

The AU Bank Xcite Ultra Credit Card is a top-notch option for those who love to travel and shop.

With a joining fee of Nil and no renewal fee, it offers great value for money.

Its reward type is Reward Points, making it even more enticing for avid shoppers and travelers.

When it comes to shopping, this credit card offers 4 Reward Points (RPs) for every offline spend of Rs. 100, and a generous 8 RPs for every online spend.

For international spends of Rs. 100, you can earn a whopping 12 RPs.

This makes it a great card to have in your wallet if you enjoy shopping both locally and internationally.

For movie and dining lovers, this card provides up to 30% off on your dining spends.

It's a great way to enjoy meals at a more affordable price.

Travel enthusiasts will be delighted to know that the AU Bank Xcite Ultra Credit Card offers complimentary access to railway lounges.

Additionally, you can enjoy 2 free domestic airport lounges, ensuring a comfortable journey during your travels.

However, access to international lounges is not available.

When it comes to golf benefits, unfortunately, this card does not offer any.

It's worth noting that the AU Bank Xcite Ultra Credit Card provides some insurance benefits.

These include a personal accident cover worth Rs. 50 lakhs, a purchase protection cover worth Rs. 25,000, and a credit liability cover worth Rs. 2 lakhs.

These insurance benefits provide peace of mind for cardholders.

For those concerned about spending limits, this card does not offer a spend-based waiver.

However, the rewards redemption fee is Nil, allowing you to redeem your hard-earned Reward Points without any additional charges.

When it comes to using the card abroad, it's worth noting that a foreign currency markup of 3.49% is applicable to the transaction amount.

It's important to keep this in mind when using the card for international transactions.

The interest rate for the AU Bank Xcite Ultra Credit Card is 3.49% per month, which is comparable to similar credit cards in the market.

Additionally, it offers a fuel surcharge waiver of 1% on all fuel transactions between Rs. 200 and Rs. 5,000, making it a convenient option for those who frequently use their credit card at fuel stations.

Lastly, for cash advances, a fee of 2.5% of the cash amount, subject to a minimum of Rs. 100, is applicable.

In summary, the AU Bank Xcite Ultra Credit Card is a suitable option for travelers and shoppers.

With its reward points system, dining discounts, insurance benefits, and complimentary access to railway lounges, it offers a range of benefits for cardholders.

However, it lacks certain features such as golf benefits and international lounge access.

The card does come with foreign currency markup, an interest rate, and cash advance fees.

Nevertheless, it remains a competitive choice for those interested in a credit card that rewards their spending.