AU Bank Xcite Ultra Credit Card
Joining Fee: No joining fee
Renewal Fee: No renewal fee
Reward Type: Reward Points
Rewards System
Offline Spends: 4 Reward Points per ₹100
Online Spends: 8 Reward Points per ₹100
International Spends: 12 Reward Points per ₹100
Milestone Benefits: 500 bonus Reward Points for spending ₹5,000 within the first 5 days of the month; 5,000 bonus Reward Points for spending ₹2.5 lakh in the anniversary year
Reward Redemption
Portal: AU Rewardz
Value: 1 Reward Point = ₹0.25
Travel Benefits
Domestic Lounge Access: 2 complimentary airport lounge accesses per quarter (8 per year)
Railway Lounge Access: 8 complimentary accesses per year (2 per quarter) at selected cities (New Delhi, Kolkata, Jaipur, Ahmedabad, Agra)
International Lounge Access: Not Applicable
Insurance Benefits
Personal Accident Cover: Up to ₹50 lakhs
Purchase Protection: Up to ₹25,000
Credit Shield: Up to ₹2 lakhs
Travel Insurance: Covers flight delays, lost/delayed baggage, loss of passport, etc.
Additional Benefits
Device Protection: Complimentary protection and extended warranty on electronics
Concierge Services: Customized travel, entertainment, leisure bookings, and golf sessions
Fuel Surcharge Waiver: 1% on purchases between ₹400 to ₹5,000, capped at ₹250 per month
Finance & Forex Charges
Interest Rate: 3.49% per month (41.88% per annum)
Foreign Currency Markup Fee: 3.49%
Cash Advance Fee: 2.5% of the withdrawn amount or ₹100 (whichever is higher)
Summary
The AU Bank Xcite Ultra Credit Card offers high rewards with 4 points per ₹100 on offline spends, 8 points online, and 12 points internationally. Cardholders can earn up to 5,500 bonus points annually, including 500 points for spending ₹5,000 in the first 5 days and 5,000 points for ₹2.5 lakh annual spend. Benefits include 2 domestic lounge accesses per quarter, 8 railway lounge visits annually, and extensive insurance coverage. Additional perks include complimentary device protection and concierge services. Despite higher foreign currency markup and interest rates, it’s an excellent choice for substantial rewards and premium benefits.