AU Bank Xcite Ultra Credit Card
AU Small Finance Bank AU Small Finance Bank

AU Bank Xcite Ultra Credit Card

/assest/image/icons/lounge-access.svg Airport Lounge Access
/assest/image/icons/rewards.svg Reward Points
/assest/image/icons/travel.svg Travel
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Joining Fee: ₹0* Plus Applicable Taxes

Renewal Fee: ₹0*Plus Applicable Taxes

Airport Lounge Access Airport Lounge Access
Reward Points Reward Points
Travel Travel
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Joining Fee: ₹0* + Tax

Renewal Fee: ₹0* + Tax

Welcome benefits:- N/A

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About AU Bank Xcite Ultra Credit Card

The AU Bank Xcite Ultra Credit Card is the most premium card offered on AU Small Finance Bank’s SwipeUp platform, which allows anyone with a credit card from any issuer to upgrade. This lifetime free card offers up to 12 Reward Points for every ₹100 spent. In addition, cardholders earn 500 bonus rewards every month and 2,000 additional reward points on milestone spends.

For travel, the card provides complimentary access to domestic airport and railway lounges and travel insurance coverage up to ₹50 lakhs. Read on to know more about the features and benefits of the AU Bank Xcite Ultra Credit Card.

The AU Bank Xcite Ultra Credit Card is a great choice considering its rewards and benefits. You can earn a significant number of reward points on all your spends, along with up to 8,000 bonus points every year. The card also offers a wide range of perks across travel, dining, insurance, concierge services, and more.

AU Bank Xcite Ultra Credit Card Rewards Program

  • 4 Reward Points for every ₹100 spent on offline purchases
  • 8 Reward Points for every ₹100 spent on online purchases
  • 12 Reward Points for every ₹100 spent on international transactions
  • Exclusions: No reward points on rent payments, fuel transactions, or wallet reloads

Other Features and Benefits

Milestone Benefits

  • 500 bonus Reward Points for spending ₹5,000+ within the first 5 days of a month
  • 5,000 bonus Reward Points for spending ₹2.5 lakhs+ in the previous anniversary year

Airport Lounge Access

  • 2 complimentary domestic airport lounge visits per quarter (8 per year)

Railway Lounge Access

  • 8 complimentary visits per year, capped at 2 per quarter
  • Available in select cities: Kolkata (Sealdah), New Delhi, Jaipur, Ahmedabad, and Agra
  • Add-on cardholders can also avail these visits (within the primary cardholder’s limit)

Fuel Surcharge Waiver

  • 1% waiver on fuel purchases ₹400–₹5,000
  • Maximum waiver ₹250 per month

Device Protection Plan

  • Complimentary protection for electronic devices (mobile phones)
  • 1-year extended warranty on mobile phones, tablets, laptops, and white goods

Insurance Benefits

  • Personal accident coverage up to ₹50 lakhs
  • Purchase protection cover up to ₹25,000
  • Credit shield cover up to ₹2 lakhs
  • Travel insurance for flight delays, lost/delayed baggage, lost passport, etc.

Concierge Services

  • Customized travel, entertainment, and leisure experiences
  • Booking of flights and hotels
  • Booking of golf sessions

Fees and Charges

  • Lifetime free credit card with no joining or annual fees
  • Interest rate: 3.49% per month
  • Foreign currency markup fee: 3.49% on international transactions
  • Cash withdrawal fee: 2.5% of withdrawn amount or ₹100 minimum, whichever is higher

Things to Know Before you apply

Get this card if:

  • You want to upgrade to a premium credit card with no joining or annual fees.
  • You are looking to maximize reward points on all spends and earn up to 8,000 bonus points annually.
  • You want exclusive travel, dining, and concierge benefits.
  • You prefer a card that offers insurance coverage and device protection alongside rewards.

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For AU Bank Xcite Ultra Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

AU Bank Xcite Ultra Credit Card Hilights

What do we like about this card?

  • Earn 500 additional Reward Points every month
  • Up to 8 Reward Points on every ₹100 spent on domestic transactions
  • Up to 12 Reward Points on every ₹100 spent on international transactions
  • 5,000 bonus Reward Points on achieving milestone spends
  • Complimentary railway and airport lounge access
  • Personal accident cover worth ₹50 lakhs
  • 1% fuel surcharge waiver on all fuel purchases
  • Access to dedicated concierge services

Pros

  • Lifetime free card with no joining or annual fees
  • High reward points: up to 12 Reward Points per ₹100 spent depending on the category
  • Bonus rewards: up to 8,000 points per year on milestone spends
  • Complimentary airport and railway lounge access
  • Travel and purchase insurance coverage

Cons

  • Exclusions for rewards: rent payments, fuel transactions, wallet reloads
  • Foreign currency markup fee applies for international spends
  • Cash advance fee and high interest rates if balances are not cleared

Au Bank Credit Card Contact Details

  • Contact Address: AU Small Finance Bank Ltd., Head Office: 5th Floor, Metro Plaza, New Sanganer Road, Mansarovar,  Jaipur – 302020, Rajasthan, India
  • Helpline:1800 1200 1500 (Toll-Free, 24x7), creditcard.support@aubank.in
  • Simply SMS: SMS ZENITH to 5676766 to get a callback or apply

Frequently Asked Questions

Everything you need to know about this credit card

Yes, the AU Bank Xcite Ultra Credit Card is lifetime free, with no joining or annual fee.

The minimum age for primary cardholders is 21 years, and for supplementary cardholders, it is 18 years.

Each reward point earned on the Xcite Ultra Credit Card is worth Re. 0.25.

Yes, the Xcite Ultra Credit Card can be used for international transactions, though applicable forex charges may apply.

Reward points are earned on most purchases, excluding cash withdrawals, EMIs, insurance, and utility payments.

You can instantly block the card via the AU0101 app, customer care, or AU Bank website.

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