AU

AU Xcite Ultra Credit Card

U Bank Xcite Ultra Credit Card gives 8 Reward Points per ₹100 online, quarterly airport lounge access, 8 railway lounge visits a year

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AU

AU Xcite Ultra Credit Card image
Joining Fee₹749
Annual Fee₹749
Income₹25000
Credit Score720

Key Highlights

Travel

Get 2 Complimentary Domestic Airport Lounge

lounge visits every quarter on spending ₹50,000 in the previous quarter

Shopping

Earn 8 Reward Points per ₹100

on All your online spends

Online Food Ordering

Earn 8 Reward Points per ₹100 on Zomato,

Swiggy and similar apps

Get 2 Complimentary Domestic Airport Lounge

lounge visits every quarter on spending ₹50,000 in the previous quarter

Travel

Get 8 Complimentary Railway Lounge Visit

a year, max 2 in quarter, so Relax before your train journey

Earn 8 Reward Points per ₹100 on Zomato,

Swiggy and similar apps

Eligibility

Age Criteria21-60
Credit Score720
Salaried Income₹3 LPA
Self-employed Income₹3 LPA
Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹749
Joining Fee OffsetComplimentary annual Times Prime Membership
Annual Fee₹749
Annual Fee WaiverThe annual fee is waived if you spend ₹2lakh or more in a year on your card, as per bank policy
Estimated Annual Saving₹10000

Rewards & Redemption

Reward Conversion1 Reward Point = ₹0.25
Redemption Options
  • Flight & Hotel Bookings
  • Gift Vouchers & E-Vouchers
  • Mobile/DTH Recharge
Earning ExclusionsCash Withdrawal, EMI, Fees & Charges, Rent, Education, Government Services, Fuel, Quasi Cash, Wallet Load Transaction
Spend ExclusionsCash Withdrawal, EMI, Fees & Charges, Rent, Education, Government Services, Fuel, Quasi Cash, Wallet Load Transaction

Benefits

All Benefits

  • Earn 8 Reward Points per ₹100 on online spends, 4 Reward Points per ₹100 on offline spends, 12 Reward Points per ₹100 on international spends, and 1 Reward Point per ₹100 on Utility & Telecom and Insurance spends
  • Get an additional 500 Reward Points on retail spends of ₹5,000 done between the 1st and 5th of every calendar month
  • milestone benefit of 5,000 Reward Points on minimum retail spends of ₹2.5 lakh in a card anniversary year, redeemable as vouchers from top brands
  • Enjoy 2 complimentary domestic airport lounge visits per quarter and 8 complimentary railway lounge visits a year
  • lifetime free add-on cards, and curated offers on MakeMyTrip, Times Prime and Alaya Stays

Welcome Benefits

  • Enjoy complimentary annual Times Prime Membership that gives access to 20+ subscriptions and 40+ discount-led offers

Flight Benefits

  • Exclusive curated offers are available on MakeMyTrip for flight bookings
  • International spends earn 12 Reward Points per ₹100

Airport Lounge Benefits

  • Get 2 complimentary domestic airport lounge visits every calendar quarter, requires a minimum spend of ₹50,000 in the previous quarter

Railway Lounge Benefits

  • Get 8 complimentary railway lounge visits per annum, with a maximum of 2 visits per calendar quarter

Fuel Surcharge Waiver Benefits

  • Enjoy a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 at all fuel stations across India, capped at ₹200 per statement month

Insurance Benefits

  • Air accident cover of up to ₹50 lakh, credit shield of up to ₹2 lakh, purchase protection of up to ₹25,000, and zero card liability cover on fraudulent transactions after reporting the loss, including protection against card counterfeit/skimming and online fraud
  • Additional travel covers apply for baggage loss, baggage delay, flight delay, loss of passport and plane hijack
  • A complimentary device protection plan on mobile phones and a 1-year extended warranty on mobile phones, tablets, laptops and white goods purchased are also included

Bank Offer

  • Curated offers on MakeMyTrip, a complimentary annual Times Prime Membership, and exclusive Alaya Stays offers stay for 3 nights and pay for 2, or 50% savings on the 2nd night, across 200+ four-star villas
  • Cardholders also get Xpress EMI conversion transactions of ₹500 and above, minimum total ₹2,000, up to 20 billed or unbilled transactions, lifetime free add-on cards, contactless payments up to ₹5,000 without a PIN, and dedicated 24x7 global concierge services

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
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