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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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Critic Critic
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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. 

Deal Subedar Deal Subedar
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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)

Critic Critic
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Thunder766 wrote:

So if someone has Axis Ace credit card with 2% unlimited cashback on regular spends, this site will match that feature? 

No. They will offer ultra which has 1% for offline, 2% for online and 3% for international txn.
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Deal Subedar Deal Subedar
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Does AU allow 2 credit cards?

Deal Captain Deal Captain
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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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tappukepapa wrote:

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.

So if someone has Axis Ace credit card with 2% unlimited cashback on regular spends, this site will match that feature? 

Deal Captain Deal Captain
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Thunder766 wrote:

So if someone has Axis Ace credit card with 2% unlimited cashback on regular spends, this site will match that feature? 

According to t&c , yes. But I'm not able to find all the details as I don't have au credit card. The person with au credit card can answer that.

Deal Subedar Deal Subedar
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Thunder766 wrote:

So if someone has Axis Ace credit card with 2% unlimited cashback on regular spends, this site will match that feature? 

That would be awesome. Though seems unbelievable. The pdf doesn't say guarenteed to match existing features.

Generous Generous
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Looks too good to be true.

What's the catch here?

Deal Cadet Deal Cadet
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tappukepapa wrote:

According to t&c , yes. But I'm not able to find all the details as I don't have au credit card. The person with au credit card can answer that.

But this Swipe Up program is for people who don’t have AU CC right ? You need to enter first six digits of your other bank CC, then select the variant and they will offer you an AU CC on the basis of that. I don’t think existing AU CC owners can upgrade through this program. 

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

Deal Cadet Deal Cadet
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Rupay HDFC TataNeu card is not recognized.

Avant Garde Avant Garde
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Its not serviceable at my pincode. pensive

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

I hold lit card

Deal Newbie Deal Newbie
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Cibil enquiry will be made?

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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daydeals wrote:

Its not serviceable at my pincode. pensive

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

Deal Lieutenant Deal Lieutenant
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coolkish7 wrote:
lit

Adress proof of serviceable city is mandatory , right?

Cool Cool
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Topsey wrote:

Adress proof of serviceable city is mandatory , right?

Yes

Deal Newbie Deal Newbie
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Axis ace is real ace of all cards . No one can beat that one.
Critic Critic
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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. 

Critic Critic
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Thunder766 wrote:

So if someone has Axis Ace credit card with 2% unlimited cashback on regular spends, this site will match that feature? 

No. They will offer ultra which has 1% for offline, 2% for online and 3% for international txn.
Avant Garde Avant Garde
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panchabhut wrote:

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. 

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

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daydeals wrote:

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

FK limit is 1.5 L. I have other cards with higher limits. They only asked for PAN. So guess they hit CIBIL. 
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