NEW TO CREDIT

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

Annual Savings

₹10000

Joining Fee

₹749

Annual Fee

₹749

Credit Score

720+

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Best For Online Shopping

Reward Type Cashback

Network VISA,RuPay

Employment both

The annual fee is waived if you spend ₹2lakh or more in a year on your card, as per bank policy

Expert Tip

If your yearly spends cross the waiver limit, this card practically becomes FREE while still giving premium cashback returns.

Conversion Rate: 1 Reward Point = ₹0.25

All Card Benefits

Detailed reward structure and cashback analysis

Joining Fee	₹749
Joining Fee Comment
Annual Fee	₹749
Annual Waiver	The annual fee is waived if you spend ₹2lakh or more in a year on your card, as per bank policy
Annual Fee Comment