AU Xcite Ultra Credit Card

AU Xcite Ultra Credit Card Features and Benefits

The AU Bank Xcite Ultra Credit Card is the most premium card out of the three cards issued on the SwipeUp platform. It comes with a decent reward rate across different categories and a lot of additional privileges, as given below in detail:

Milestone Benefits

The Xcite Ultra Card offers you milestone benefits based on your monthly and yearly spending, as given below:

• Get 500 bonus Reward Points on spending Rs. 5,000 or more within the first 5 days of a month. Expenses related to rent, wallet transactions, fuel, EMI (Equated Monthly Installments), and cash will not be considered.
• Get 5,000 bonus Reward Points on sending Rs. 2.5 lakhs or more in the previous anniversary year.

Airport Lounge Access

You get 2 complimentary domestic airport lounge access every quarter, i.e,. a total of 8 free visits every year.

Railway Lounge Access

• You get 8 complimentary railway lounge access every year, capped at 2 per quarter.
• The free lounge access is available only in selected cities, including Kolkata (Sealdah), Jaipur, and Agra.
• Add-on credit cardholders can also avail of free railway lounge access (within the complimentary visits for primary cardholders).

Free Device Protection Plan

• The Xcite Ultra Credit Card also offers you a complimentary device protection plan on electronic devices (mobile phones).
• Cardholders receive a one-year extended warranty on mobile phones, tablets, laptops, and white goods purchased.

Insurance Benefits

The insurance benefits offered with the AU Bank Xcite Ultra Card are as follows:

• The card offers insurance cover worth Rs. 50 lakhs against personal accident.
• You also get a purchase protection cover of up to Rs. 25,000.
• With this card, you get a credit shield cover worth up to Rs. 2 lakhs.
• You also get travel-based insurance coverage against flight delay, lost/delayed baggage, loss of passport, etc.

Concierge Services

The concierge services for AU Bank Xcite Ultra cardholders include customized travel, entertainment, or leisure experiences, booking of flights and hotels, and booking of golf sessions.

Fuel Surcharge Waiver

• You get a 1% fuel surcharge waiver on all fuel purchases between Rs. 400 and Rs. 5,000.
• The maximum waiver per statement cycle is capped at Rs. 200 per month using this card.

AU Xcite Ultra Credit Card Reward Points Earnings

The AU Bank Xcite Ultra Credit Card offers the following reward rates across different categories:

• Get 4 Reward Points on every offline purchase of Rs. 100.
• 8 Reward Points on every online spend of Rs. 100.
• 12 Reward Points on every international transaction of Rs. 100.
• You don’t earn any reward points on rent, fuel, education, government transactions, or wallet reloads.

AU Bank Xcite Ultra Credit Card Eligibility Criteria

Like every other credit card, there are some eligibility requirements associated with this card, and you need to fulfill these criteria in order to get approved for the Xcite Ultra Credit Card:

• The primary card applicant’s age should be between 21 and 60 years.
• The add-on card applicant must be at least 18 years old.
• The cardholder should be a resident of India.
• The applicant should possess a decent credit history.

Bottom Line

Considering its rewards and benefits, we can definitely conclude that having the Xcite Ultra Credit Card is a great deal. You can not only earn a decent number of reward points on all your spending, but you also get to earn up to 5,500 bonus reward points every year. In addition, you can enjoy a wide range of benefits across categories such as travel, dining, insurance, and concierge services.

So, if you get qualified for this card, there is no reason why you should stop yourself from getting upgraded to this card. If you have any additional questions about the AU Bank Xcite Ultra Credit Card, ask us in the comments below!