AU Bank Launched New Credit Cards - XCITE (LTF)
AU Bank Launched New Credit Cards - XCITE (LTF)
AU Bank has launched new SwipeUp Credit Card Upgrade Platform which offers New Credit cards on the basis of existing Credit Card.
Its LTF also.
https://www.aubank.in/personal-banking/credit-c...
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Deal Wiki
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Last updated by: Rosh_0007
Higher Reward Points | Exclusive Cashbacks | Higher Credit Limit | Lifetime Free Card | Biodegradable Card | Value Added FeaturesSwipeUp For An Upgraded Credit Card
- Upgrade in 3 simple and easy steps:
- 1. Enter the first 6 digits of your other Bank’s Credit Card
- 2. Select the name of the Credit Card variant
- 3. Compare your card with SwipeUp platform recommendation and apply
It’s time to take the step towards privileges and benefits that you deserve today! Upgrade Your Credit Card Now!
AU does not allow more than 1 credit card per customer from what I know.
Top Comments
https://www.desidime.com/comments/permalink/9056451
No, I checked with the customer care
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https://www.desidime.com/comments/permalink/9047810
It's simply a C2C card apply process, but with a twist. They will offer you a card features upgrade on existing Au credit card on the basis of other bank's card.
https://www.desidime.com/comments/permalink/9047837
So if someone has Axis Ace credit card with 2% unlimited cashback on regular spends, this site will match that feature?
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https://www.desidime.com/comments/permalink/9047933
Looks too good to be true.
What's the catch here?
https://www.desidime.com/comments/permalink/9407537
There are lots of catch.
I applied on SwipeUp Platform, entered my Diners Black 6 digits. they offered Xcite Ultra with 8L Limit. This was 5L lower than my DCB limit.
Then comparison chart came Xcite Ultra Vs Diners Balck . it showed Rs. 0.50 value for Diners Black reward points but in fact it has Rs.1 value. anyhow they showed Xcite ultra higher compared to DCB, LOL. anyway its LTF and still good deal for my so completed the application process and now waiting for card delivery.
I applied on SwipeUp Platform, entered my Diners Black 6 digits. they offered Xcite Ultra with 8L Limit. This was 5L lower than my DCB limit.
Then comparison chart came Xcite Ultra Vs Diners Balck . it showed Rs. 0.50 value for Diners Black reward points but in fact it has Rs.1 value. anyhow they showed Xcite ultra higher compared to DCB, LOL. anyway its LTF and still good deal for my so completed the application process and now waiting for card delivery.
https://www.desidime.com/comments/permalink/9048128
Cred offer is 5% upto 50 twice per month - per card as per the T&C showing in cred app
https://www.desidime.com/comments/permalink/9070102
Which card variant offers 5% cashback with Cred and Paytm utility payments?
Does this also include prepaid mobile payments?
https://www.desidime.com/comments/permalink/9049249
Xcite cards look very good. I am using LIT. If they allow a second card it will be fun
https://www.desidime.com/comments/permalink/9056848
What is the difference between XCITE and LIT ?
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https://www.desidime.com/comments/permalink/9049289
Rupay HDFC TataNeu card is not recognized.
https://www.desidime.com/comments/permalink/9049313
Its not serviceable at my pincode. 
https://www.desidime.com/comments/permalink/9051567
How can we avail AU ccs, if not pin code supported?
https://www.desidime.com/comments/permalink/9049831
Applied and it said, approved and card generated.... couldn't see anything in app though....
I hold lit card
https://www.desidime.com/comments/permalink/9051469
Anyone's Xcite card got approved? If yes, what was your banking relationship with them and your Cibil?
https://www.desidime.com/comments/permalink/9054019
Axis ace is real ace of all cards . No one can beat that one.
https://www.desidime.com/comments/permalink/9061894
Not anymore, They stopped providing 2% cashback for insurance payments since Sep 2022. That was a major devaluation.
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https://www.desidime.com/comments/permalink/9054517
Tried with FK CC bin last night. Did VKYC today. Got approved for xcite ultra with 8 L limit. Used desktop browser. No existing relation with AU bank.
https://www.desidime.com/comments/permalink/9054891
How much is your existing limit for fk cc? And did they asked any other income documents?
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https://www.desidime.com/comments/permalink/9055230
there is no au bank in my city... Can i still apply for this credit card?
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https://www.desidime.com/comments/permalink/9055537
If last application for a different AU card was rejected, in how much time can we reapply?
https://www.desidime.com/comments/permalink/9055755
You Guys are OP. I got Zenith LTF which is super premium
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https://www.desidime.com/comments/permalink/9056238
What about new members who do not have au card?
https://www.desidime.com/comments/permalink/9056250
do you get cc points with au cards on rent?
https://www.desidime.com/comments/permalink/9056265
Getting Xcite Uktra for Apay card. But dont have current address proof of servicable area 
Click here to reply
Reply
OK, applied and completed VKYC. Something I learnt from the process that I'm sharing below:
* I didn't have previous AU bank relationship. I have HDFC Millennia (oldest, HDFC doesn't show limit in CIBIL and sadly, this has highest limit), SBI SimplyClick (7months, shows in CIBIL and about 1L limit) and OneCard metal (1yr old and about 50k limit)
* Your CIBIL is hit and you may get email alert from CIBIL just after you go to next step after giving PAN, OTP. It seems they try to fetch credit limit on the CC you give for the 6 digits BIN first, if not found then combined credit limit and other highest cards are considered by the system algo...
* You can go back and try different BIN for other CC you have, but in my case the offered card didn't change. Only old and offered card comparison chart changed.
* As HDFC doesn't report credit limit on CIBIL (only max used credit), I was given about 1.5L credit limit based on the other 2 cards and total credit limit showing on CIBIL. Current score is near 800...
* Based on the calculated CL from system, they offered me the Basic Xcite CC, not the ACE or ultra...
* Process is smooth and VKYC waiting time was low (was 5th in queue), took about 12 minutes for my turn, about 5-7 minutes required for procedure. This is a Sunday and still, did it around 3PM. I suggest 10AM-6PM to do the VKYC...
* VKYC : Profile related questions asked, live photo taken, PAN snapshot and live signature taken. I was connected to a good looking, Hindi speaking (default language they use) lady in AU themed uniform who is quite polite.
* They mail you the applied form PDF after 30 minutes from doing VKYC for your verification and record.
Let's see when they approve the VKYC and process the card... (she said the usual on the closing note - you will be updated by sms/email and card should be expected within 15 days after successful verification)
27th Jan : Tried with FK CC bin just after midnight. Got xcite ultra with 8 L limit. Used desktop browser.
27th Jan : Did VKYC morning around 11. Desktop browser. They took live photo of original PAN, my photo and live signature. Got approval confirmation by mail around 4 pm.
28th Jan : 6 PM got sms that card has been dispatched. Dispatch origin - Delhi/NCR.
30th Jan : Card recv at 1 PM at Adhaar registered residence address. Delivered in a nice box.
Reasonably smooth process. Only issue was around 20 min wait time for VKYC.
No existing relation with AU bank.CIBIL 800+. Using credit cards for 20 years.
I am getting "thank you application approved and card generated without kyc successful" already having lit credit card. No card showing in app