AU Xcite Ultra Credit Card 2025
20X Travel Rewards
10X Shopping
12 Lounge Access
₹1500 Annual Fee
Save over ₹30,000+ every year with 20X travel + 10X shopping!
Best travel + shopping card! AU Xcite Ultra gives 20X reward points on travel, 10X on shopping, 12 lounge visits, just ₹1500 fee.
Perfect for travelers & online shoppers!
Why Choose AU Xcite Ultra in 2025?
20X travel • 10X shopping • 12 lounge • 2X groceries • 1% forex • ₹1500 fee
Best for: Travel, online shopping, lounge access
Card At a Glance
Joining Fee
₹1500
₹1500
Annual Fee
₹1500
₹1500
Reward Rate
20X Travel
20X Travel
Lounge Access
12/Year
12/Year
Forex Markup
1%
1%
Movie Benefits
Buy1-Get1
Buy1-Get1
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹1500 |
| Annual Fee | ₹1500 |
| Rewards | 20X Travel | 10X Shopping |
| Forex Markup | 1% + GST |
| Interest Rate | 3.49% per month |
| Fuel Surcharge | 1% waiver up to ₹400/month |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 20X points = 10% value on travel (flights, hotels)
- 10X points = 5% on online shopping
- 2X points on groceries, utilities
- 1X on other spends
- 1 point = ₹0.50 on travel redemption
Airport Lounge Access
- 12 complimentary visits domestic lounges
- 3 visits per quarter
- International lounge access available
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- ₹25 Lakh personal accident
- ₹50,000 baggage delay
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 20X travel = 10% | AU app issues |
| 10X shopping = 5% | Strict exclusions |
| 12 lounge access | Customer service |
| 1% forex markup | Redemption limits |
| ₹1500 low fee | 3.49% interest |
| Buy1-Get1 movies |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹6 Lakh
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, Income proof
How to Apply Online (3-Minute Process)
- Visit AU Bank website → Xcite Ultra
- Fill basic details → Instant approval
- Upload PAN & Aadhaar only
- Video KYC (1 minute)
- Virtual card instantly
Final Verdict – Should You Get It in 2025?
Best travel + shopping combo! 20X travel + 10X shopping + 12 lounge = ₹30,000+ value. Perfect for heavy travelers!
Frequently Asked Questions (FAQs)
20X = 10% on travel?
Yes! Flights, hotels via AU app.
10X shopping categories?
Amazon, Flipkart, Myntra, Swiggy.
12 lounge visits?
Yes! 3 per quarter domestic.
Easy approval?
Yes! ₹6L income sufficient.
Fee waiver?
Yes! On ₹2L quarterly spends.