Summary
AU Bank Xcite Ultra Credit Card is an exclusive card by AU Small Finance Bank that gives high-value rewards, lifestyle advantages, and complete convenience without joining or membership fee. It is a lifetime-free credit card and is therefore the most suitable choice for those seeking long-term returns without extra charges.
The card is specifically crafted for those who love online and international shopping, dining, and traveling. Users earn 4 reward points per ₹100 of offline spends, 8 points for online spends, and 12 points for international spends. Apart from this, the users are also awarded bonus reward points for spends done between 1st to 5th of each month and for hitting yearly milestones. The reward points so earned can be redeemed through the AU Rewardz portal as vouchers, travels, recharges, etc.
Cardholders receive 2 free airport lounge and 2 railway lounge visits per quarter, making it perfect for frequent travelers. Moreover, the card offers 1-year screen damage protection on smartphones and 1-year extended warranty on electronics bought with the card.
Introduction
In the fast lane of the contemporary world, the credit card has transformed from being just a payment tool. It is convenient, safe, and reward-loaded, and with these attributes, parting with money each day becomes less of a chore. With many credit cards available, choosing one is a daunting task. But if you are the kind who enjoys elusive lifestyle privileges, excellent rewards, and premium services, then the AU Bank Xcite Ultra Credit Card might be the perfect fit for you.
AU Small Finance Bank has first earned a reputation for offering innovative and customer-friendly banking products. The Xcite credit card range is designed for the modern Indian consumer, and the Xcite Ultra is the most luxurious of all such cards. The card is designed specifically for those who want more value out of every rupee they spend.
One of the major reasons this card is getting people excited is its prolific reward rate and VIP lounge access. Compared to regular credit cards, which have few rewards, the Xcite Ultra has a whole bunch of benefits that cater to your spending habits as well as lifestyle. Say you travel more than you stay at home; you will get free domestic and international airport lounge access.
Aside from rewards, the AU Bank Xcite Ultra Credit Card also cares about security and ease of use. It possesses better contactless payment functionality, instant EMI options, and no lost card liability if notified in time. That is, you can use your card stress-free since your money is safe and secure.
What is the AU Bank Xcite Ultra Credit Card?
The AU Xcite Ultra Credit Card is a high-end credit card provided by AU Small Finance Bank. It is for individuals who desire more from their credit card—more reward points, more lifestyle rewards, and more convenience. Compared to standard credit cards with limited rewards, this credit card offers exclusive lounge access at airports, high reward points, cashback rewards, and other luxury rewards.
It also comes with smart features such as contactless payments, EMI option, and decent security features. You can also get free golf lessons, birthday offers, and discounts on movies and dining.
How is the design of the AU Bank Xcite Ultra Credit Card?
The design of the AU Bank Xcite Ultra Credit Card is contemporary, sophisticated, and premium—the perfect choice for anyone who loves sophistication. The card looks streamlined and attractive right from the start, with a smooth finish and well-defined layout. The card itself is designed with a minimalist theme that makes it look wealthy and sophisticated compared to regular credit cards.
Second, the new card features a vertical design, which is a novel and cool design feature. This cool design feature is not only sleek in style, but also shows how the majority of people are using cards now, especially for contactless payments. The AU Bank brand and the chip are placed centrally such that the look is neat and professional-looking.
What are the benefits of the AU Bank Xcite Ultra Credit Card?
It offers a range of features to maximize value in multiple spending zones.
1. Lifetime Free (LTF)
This card charges neither a joining fee nor an annual fee, making it cost-effective for individuals seeking high-end rewards without an additional charge.
2. Reward Points on Spends
- Offline Spends: Earn 4 Reward Points (RPs) on every ₹100 spend.
- Online Expenditure: Receive 8 RPs for each ₹100 spent.
- International Transactions: Receive 12 RPs for each ₹100 spent.
- Utility, Insurance, Rent, Education, Government Services: Receive 1 RP for each ₹100 spent.
- Get 500 RPs as a reward on retail expenses of ₹5,000 paid between the 1st and 5th of a given month (excluding rent, wallet, and gasoline spending).
3. Milestone Awards:
By reaching ₹2.5 lakh in spending in a card anniversary year, you get 5,000 bonus RPs, therefore boosting your reward rate by over 0.5%.
4. Lounge access
- Two complimentary visits each calendar quarter for domestic airport lounges.
- Two complimentary visits per calendar quarter, redeemable through Dreamfolk,s arto the railway lounges.
5. Extended Warranties and Device Protection
Purchased with the card, avail free 1-year mobile/tablet screen damage protection and 1-year extended warranty for laptop, tablet, mobile phone, and other equipment.
6. Waiver of Fuel Surcharge
Get a 1% refund on fuel transactions in the range of ₹400 and ₹5,000, up to ₹200 per statement cycle.
7. Additional Benefits
- Dining Offers: 30% discount on dining bills.
- Personal Accident Cover: Up to ₹50 lakhs cover.
- Dedicated Concierge Services: Support for travel booking, reservations, etc.
What are the fees for the AU Bank Xcite Ultra Credit Card?
Here is a simple breakdown of the AU Bank Xcite Ultra Credit Card fees.
| Joining Fee | Nil |
| Annual Fee | Nil |
| Add-on Card Fee | No charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, a 3.75% per month (45% annually) charge is applied to the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an AU Bank Xcite Ultra Credit Card?
1. Age Requirement:
- You should be between 18 and 65 years of age.
2. Income Requirement:
- Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.
- Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.
3. Employment Status:
- You should have a regular job or business with a fixed income source.
4. Credit Score:
- A CIBIL score of 700 and above is preferred for sanction.
5. Residency:
- You should be an Indian resident and have proof of a valid address.
What documents are required to get an AU Bank Xcite Ultra Credit Card?
The documents that you will have to submit to get the AU Bank Xcite Ultra Credit Card are as follows:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the AU Bank Xcite Ultra Credit Card be used?
Here is the list of places where you can use it:
- With the AU Bank Xcite Ultra Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your AU Bank Xcite Ultra Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The AU Bank Xcite Ultra Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the AU Bank Xcite Ultra Credit Card?
The credit amount you can spend is what you are provided to you with an AU Xcite Ultra Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.
How do you apply for an AU Bank Xcite Ultra Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the AU Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by AU Bank; for instance, you can choose the AU Bank Xcite Ultra Credit Card.
- Just hover your cursor on the AU Bank Xcite Ultra Credit Card and select ‘Apply Now‘ from there.
- You will be asked to fill out your details, including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after you submit it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest AU Bank branch to apply for the AU Bank Xcite Ultra Credit Card.
- Request for the credit card application form of the AU Bank Xcite Ultra Credit Card. They will provide you with the form and proceed accordingly.
- Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the AU Bank Xcite Ultra Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the AU Bank Card website, mobile app, or by calling their customer service.
- You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.
Would getting an AU Bank Xcite Ultra Credit Card in 2025 be right?
Yes, getting an AU Bank Xcite Ultra Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility.
AU Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
In summary, the AU Bank Xcite Ultra Credit Card is a full and premium credit card that offers an array of advantages to suit modern lifestyles. Whether you are an incurable wanderer, shopaholic, or just want to save on day-to-day spending, there is something good for everyone on this card. From offering redeemable reward points on every spend to special access to airport and train lounges, the card enriches your spending experience along with rewarding it.
Also, it is a life-free card, meaning you are not charged to join or with an annual fee. This is very beneficial for those requiring premium benefits without additional charges. Also, the milestone rewards as well as monthly bonus giveaways ensure you are getting extra value each time you use the card in a responsible manner.
Another key advantage of this card is the added security and convenience. Services like device protection, extended warranty, contactless payment, and zero liability on lost card provide you with assurance and ease of everyday use and make it more secure. And to add to that, fuel surcharge waiver, dining savings, and personal concierge services elevate your lifestyle experience too.
Frequently Asked Questions (FAQ’s)
Ans: You can use them on the AU Rewardz portal for gift vouchers, flight bookings, hotel bookings, mobile recharges, and even air miles.
Ans: Yes, you get a waiver of 1% fuel surcharge on fuel transactions between ₹400 to ₹5,000 (max. ₹200 per month).
Ans: You get 1-year screen damage insurance for mobile/tablet and 1-year extended warranty on electronics like phones, laptops, and appliances purchased with this card.
Ans: Yes, it is ideal for online shoppers. You get 8 reward points per ₹100 spent online, and you can even avail of offers and discounts on partner sites.
Ans: You can apply through the bank’s website, visit your local branch, or discuss it with a bank officer. You would need proof of ID, proof of address, proof of income, and your PAN card.
