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)
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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)
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