AU Bank Launched New Credit Cards - XCITE (LTF)

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)

Got approved xcite credit card today, applied in the morning and got VKYC done by 9 am, though it took almost an hour to connect to the executive. Received approval mail in the afternoon.

Should I take Zenith? I don't have any premium LTF card and am hoping that AU would promote this card. Also, free lounge access. Why would someone not take it?

Applied with Icici coral cc of 4.20l limit.

Approved for ulta varient with 6.20l limit

Amzon pay ICICI also working for C2C?

Any existing AU CC user got 2nd card ?

They did a office verification in my case

For me it is going into norrmal CC onboarding flow. where it is not asking for old cc bin also!! 

Is anyone visit for home verification after Vkyc????

Website hanging after OTP

Got rejected saying " eligibility requirements are not met" though i gave hdfc business regalia card which has above 10 lakh limit.
Any idea if this would have done a cibil enquiry? Would like to apply some other card
Update to other dimers - try only in chrome browser as others like brave/edge wouldn't work

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. 

AU sent a guy for address verification today and he came after calling around 12PM. He asked usual verification stuff and left after clicking a picture of house facade and told to expect card soon...

Nearest AU branch is about 15KM away and none of my entered addresses in the form differ than as on aadhaar...

Bhai log I am getting Xcite Ultra for HDFC Regalia. Should I get it. Pl advise

Thank you for swiping up for AU Bank Credit Card application (CSxxxxxxxxxxx). Unfortunately, we cannot process your request this time as your eligibility requirements are not met. Please re-apply after 6 months.

Axis Ace detected as Axis Neo. Offered Xcite Ultra. Got above error after entering home address. Not sure of reason. Possible things:

1. My home and current address is remote - not serviceable

2. I did apply two other credit cards recently - could it be too much CIBIL enquiries?  - How do I find that?

Do they take address from something else like OneCard application?  Somehow, they retrieved a friend's address (where I visited only once - probably, attempted OneCard application there since my pincode was not serviceable).  Other than this, I have used that friend's address only for Swiggy & Zomato deliveries.  Its scary how our information gets stored online.

@pnagaraj Dont be shocked, addresses are retrieved from cibil report. Your pincode is not serviceable.

btw what are the cards being offered under xcite ltf in their hierarchy of benefits?

Why does card get rejected after kyc? Cashback card also card rejected due to unmentioned reasons

Would it get approved for someone with no previous credit cards?

Did anyone receive virtual/physical card..?? i have  applied on 25th and completed vkyc on 26th..but till now I haven't received any update.

I have HDFC diners privellage, tata neu, sbi cashback and amazon. Which card should i submit for the best rewards?

Got ultra for regalia
Is AU bank cc payment available on HDFC billpay?

Can anybody please share SS of dispatch sms/email with masked details? Physical verification was done yesterday and yet to get any update...

Waiting for someone to confirm whether or not an existing AU Bank Credit Card holder has got the Xcite Card through the currently running Swipe Up scheme...

Hi, If i have aPay Cc, does getting this makes sense ?

Which is a better choice for first-preference?

@TempAcc Use card with highest CL to get ace/ultra. Lower CL gives basic xcite...

HDFC doesn't update CL in cibil, so cumulative CL and next best CC with CL on cibil matters in their algo. Also higher cards like regalia gives higher variants of xcite as I've read here...

BTW, anyone please share approval/dispatch sms/email...

I did not get Xcite option itself. Only got Lit and zenith. 😞😞
Applied lit.

I want Zenith card, have below cards : 

1. APAY

2. ICICI HPCL CORAL

3. HDFC IOCL

4. AIRTEL AXIS

5. FK AXIS

ALL CARDS HAVE LIMIT ABOVE 70k , icici has 2.5 lac.

From which card should I apply to get Zenith.