AU Bank Xcite Ultra Credit Card
A premium step-up tier within the AU SwipeUp program, granting higher matched credit lines for experienced cardholders. At an annual fee of ₹749, it provides 4X points on dining and travel, 8 domestic airport lounges, 2 international Priority Pass visits, and monthly BookMyShow ticket discounts.
Why We Recommend The AU Bank Xcite Ultra Credit Card
A solid SwipeUp step-up card, though Xcite Ace often offers better overall value due to its lifetime-free terms.
Spenders upgrading from entry cards of other banks to unlock combined lounge and movie perks.
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the AU Bank Xcite Ultra Credit Card?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: ₹0.25 on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for AU Bank Xcite Ultra Credit Card
Zero hidden costs. Complete fee schedule verified with AU Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the AU Bank Xcite Ultra Credit Card
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter)
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
2 complimentary international lounge visits per calendar year via Priority Pass
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes AU Bank Xcite Ultra Credit Card Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
High-tier upgrade tier under the AU SwipeUp program.
Domestic airport lounge visits plus international Priority Pass inclusion.
Buy 1 Get 1 movie discount on BookMyShow (up to ₹150/ticket, 1 time a month).
Pros & Cons of the AU Bank Xcite Ultra Credit Card
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Upgraded credit limit matched against competitor premium cards.
- Combined domestic and international airport lounge access.
- Movie ticket savings on BookMyShow.
Things to Consider (Cons)
- Carries an annual fee (₹749) unlike the Lifetime Free Xcite Ace.
- Standard 3.49% forex fee.
- Higher renewal spend threshold for fee waiver (₹1.2L).
Who Can Apply for the AU Bank Xcite Ultra Credit Card?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
740+ Score Recommended
Applicants with a credit score of 740 or higher enjoy fast-tracked approval and preferential credit limits from AU Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About AU Bank Xcite Ultra Credit Card
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
Explore Similar Cards from AU Bank
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AU Altura Plus Credit Card
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Ready to Apply for the AU Bank Xcite Ultra Credit Card?
Check your pre-approved credit limit and instant approval eligibility across AU Bank with 100% paperless verification and zero score impact.