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AU Bank Launched New Credit Cards - XCITE (LTF)

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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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Finance Mentor Finance Mentor
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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)

Benevolent Benevolent
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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. 

Post Mogul Post Mogul
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I am getting "thank you application approved and card generated without kyc successful" already having lit credit card. No card showing in app

Critic Critic
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AU does not allow more than 1 credit card per customer from what I know.
534 Comments  |  
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Firestorm Firestorm
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Screenshot3

Benevolent Benevolent
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looks good

Benevolent Benevolent
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Does AU allow 2 credit cards?

Budding Star Budding Star
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No, I checked with the customer care

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Pro Entertainer Pro Entertainer
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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.

Deal Subedar Deal Subedar
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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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Deal Lieutenant Deal Lieutenant
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Looks too good to be true.

What's the catch here?

Deal Newbie Deal Newbie
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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. 
Benevolent Benevolent
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Found it somewhere online.

Xcite cards apply link
3 Xcite cards: Xcite, Xcite Ace, Xcite Ultra

Deal Cadet Deal Cadet
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Cred offer is 5% upto 50 twice per month - per card as per the T&C showing in cred app

Deal Cadet Deal Cadet
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Which card variant offers 5% cashback with Cred and Paytm utility payments?

Does this also include prepaid mobile payments?

Deal Cadet Deal Cadet
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Xcite cards look very good. I am using LIT. If they allow a second card it will be fun

Deal Subedar Deal Subedar
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What is the difference between XCITE and LIT ?

View 36 more replies
Deal Subedar Deal Subedar
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Rupay HDFC TataNeu card is not recognized.

Firestorm Firestorm
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Its not serviceable at my pincode. pensive

Deal Cadet Deal Cadet
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How can we avail AU ccs, if not pin code supported?

Post Emperor Post Emperor
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Applied and it said, approved and card generated.... couldn't see anything in app though....

I hold lit card

Post Emperor Post Emperor
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Screenshot2023-01-26-00-28-58-8440deb401b9ffe8e1df2f1cc5ba480b12

Firestorm Firestorm
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Which card you got?

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Deal Newbie Deal Newbie
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Cibil enquiry will be made?

Deal Cadet Deal Cadet
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I definitely think yes!

Deal Subedar Deal Subedar
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Screenshot2023-01-26-13-11-16-6140deb401b9ffe8e1df2f1cc5ba480b12
Deal Captain Deal Captain
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Anyone's Xcite card got approved? If yes, what was your banking relationship with them and your Cibil?

Deal Newbie Deal Newbie
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Axis ace is real ace of all cards . No one can beat that one.
Helpful Helpful
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Not anymore, They stopped providing 2% cashback for insurance payments since Sep 2022. That was a major devaluation.
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Benevolent Benevolent
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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. 

Firestorm Firestorm
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How much is your existing limit for fk cc? And did they asked any other income documents?

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Deal Cadet Deal Cadet
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there is no au bank in my city... Can i still apply for this credit card?

Deal Cadet Deal Cadet
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Just confirmed with AU Bank representative, sadly this is only for customers without any relationship with AU Bank including both SB and CC account.

Pro Entertainer Pro Entertainer
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Another twist 😗
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Deal Cadet Deal Cadet
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If last application for a different AU card was rejected, in how much time can we reapply?

Deal Newbie Deal Newbie
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I'm getting this.

Screenshot2023-01-28-12-51-33-710com.android.chrome
Deal's Advocate Deal's Advocate
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Vu

Talk-Of-The-Town Talk-Of-The-Town
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You Guys are OP. I got Zenith LTF which is super premium

Deal Newbie Deal Newbie
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which c2c did you use?
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The PostMighty The PostMighty
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Apply through banksathi...you will get 2500 rs.

Deal Lieutenant Deal Lieutenant
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Details pls

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Deal Newbie Deal Newbie
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I am getting an odd msg. "Looks like you’re not part of the SwipeUp program yet. Apply Now"

And then the link directs to a new cc application. No cc number asked for any other bank. What am I missing here?




Deal Newbie Deal Newbie
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Same 🥺

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Talk-Of-The-Town Talk-Of-The-Town
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Anyone doing kyc today

Deal Cadet Deal Cadet
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What about new members who do not have au card?

Deal Newbie Deal Newbie
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do you get cc points with au cards on rent?

Deal Lieutenant Deal Lieutenant
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Getting Xcite Uktra for Apay card. But dont have current address proof of servicable area sad

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