https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9063954
@TechnoDeals Use highest limit first.
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/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9064042
Okay.
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9063979
Any one facing this problem.
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9068753
Had to go in inspect element mode and bypass those dialogs to proceed further.
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9064053
showing Lit, Zenith and Vetta credit card (Zenith and Vetta are showed with joining/ Annual fee). which one should I apply ?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9064228
Any advantage of getting this card when one has sbi cashback, axis ace and amazon pay credit cards?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9064349
Approved
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9064434
Has anyone found any website link to check status of application (looking for final approval/dispatch status)? Their CC seems not to have a speak to agent option...
EDIT : I tried entering PAN,Mobile and tried to proceed on swipeup platform again and it shows status : In process (decision updated in 3 days)...
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9064954
Call Toll-free number 180012001500 from your Registered number and select Credit Card Application Status and you will get the Status in SMS within minutes. @Agnivo007
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9064806
Applied for the cc on 30th Jan
VKYC and approved on 31st Jan
Received card on 1st Feb.
Process was hassle free and super fast
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9064858
Getting "Application could not be processed due to technical issue. Please retry" Error.
Any fixes or any one faced this issue?
If I close the page now and retry tomorrow, will they hit Cibil again tomorrow?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9064900
Anyone got 2nd AU credit card here ?
I am asking since I am already holding AU Lit and planning to apply for the new Xcite series
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9065474
No unless given by mistake.
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9065076
Anyone knows how to remove the previous cc leads for applying from fresh?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9065096
email ID:
creditcard. support@ aubank. in (Remove Space)
OR
CALL: 1800 1200 1500
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9065311
how to check serviceable area
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9065541
Looks like you are not part of stepup program apply now
I don’t have any au card
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9065840
I have following cards:
Amazon Pay >4.5L
HDFC Millennia> 1.5L
Airtel Axis, Zomato RBL, Paytm SBI all with < 1L
Which one should I use for applying?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9065939
@aristocrat use aPay , might get ultra... millennia might get basic xcite, use the highest limit first.
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9066553
@panchabhut got ultra with 1.5 lakh limit axis fk card I think but then he already hold various other cards with much higher limit.
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9066686
Showed Ultra for Regalia
A person came for physical verification even after completing Video KYC
Asked for neighbour's details too 😑
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9066797
Today, when? They have done for me too on Monday but no approval or decline message yet. Update us when you get something...
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9066829
i have applied on behalf of my icici apay card with limit of 6.70 lac
i have sbi, indusind, kotak, yes bank, onecard all.
SBI, Indusind, kotak and ICICI all have limit more then 6 lac each.
Au app still showing under process and they will update in 3 days.
But when i checked the status via c.care no. i got a rejected sms.
I do not understand there criteria , i have a cibil score of 803. still they rejected..
Also made a hard inquery in my cibil..
i think i have done a mistake by applying this card. so you stay alert friends. do not apply if you do not need it,
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9066943
Imagine yourself as a bank manager & someone claiming to be Ambani nephew come to you for personal loan of 1 lakh & though all the documents look genuine you will still reject thinking something must be wrong. I think same happened in your case 
Why would someone with such high limit cards & 800+ cibil score even consider AU bank card
Why would someone with such high limit cards & 800+ cibil score even consider AU bank card
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9067038
Card delivered today, can confirm AU Zenith is indeed LTF as mentioned in fees row.
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9067350
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9067355
Getting xcite elite on the basis of Apay ICICI .
Is it worth it?
Did not complete vkyc yet as vkyc server is down.
Edit- it's xcite ace.
after seeing this BS trend of asking neighborhood of my details, I'm thinking of not completing VKYC.
Moreover getting error during VKYC during night. So basically I'm saved by God I guess 😂
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9067414
There is no xcite elite card, there is xcite, xcite ace & xcite ultra.
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9068154
UPDATE:
I have received my card today
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9068239
You had physical verification, right? And status didn't show approved?
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9068174
Applied in wife account through hdfc infinia card but she is eligible for lit card and now in queue for vkyc....irony is mine got rejected though gave business regalia with 12 lakh limit and better cibil than my wife.
Cibil website doesn't show hdfc cards credit limit in mine and wife case
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9068454
Applied on 31 Jan for Xcite Ultra. Used Apay with 7L limit. Had to do VKYC two times. Card is approved today with 8L limit.
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9068470
What are the rewards for APAY?
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9068495
I don't understand AU Bank policies...
They Rejected Some applications at the initial stages for various reasons like low Cibil, address issues, service availability, default payments for previous card etc etc reasons.. (that is perfect)
But who fulfilled their all conditions, successfully applied for cards.. AU Bank shows a new card variant, new limit then done Vkyc. For some people done Home verification as well and then People are getting Card Rejection Sms was totally unacceptable.. sooo cheap marking
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9069438
Thank you all. Applied through Regalia got Xcite Ultra, then went back and applied through IndusInd Legend - got Zenith LTF so chose zenith.
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9069564
Limit on Regalia and Legend?
Is limit of 3 lakhs on legend card sufficient for Zenith/Ultra or is it better to use Icici Platinum card with 5 lakhs limit?
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9069749
Website says 'under review'.
CC SMS says 'incomplete' .
Strange bank.
Btw just for experiment I used infinia bin, which I don't own. (Personally hold a money-back only) to get Zenith. 😂
But since hdfc does not report total credit balance/card variant , and my total credit limit in other credit cards are quite good making the total credit limit okish, my chance of approval is a bit more than 0%.
Will update how it goes.
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9069863
So are they rejecting all self employed after home verification?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9069922
Yes...
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9069992
How to get Zenith?
I have
ICICI HPCL CORAL - 2.6 L
ICICI APAY - SHARED CARD
AXIS FLIPKART - 1L
AXIS AIRTEL - 1L
HDFC IOCL -80K
WHICH Card should I use to apply to get Zenith LTF?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9070131
I asked them why they rejected my card. When i have good limit credit card and cibil is 803.. they sent me following reply..
basis the following criteria (does not necessarily imply your adverse creditworthiness).
1. Eligibility criteria as per the Bank
2. Past borrowings of the applicant
3. Regulatory and statutory provisions governing the Bank
4. Inaccurate information/ declaration by the applicant
5. KYC Norms
Based on the information provided by you and our consideration of the same with the above highlighted criteria, we regret to inform you that we are unable to process the credit card application submitted by you as the same does not meet required criteria.
We take this opportunity to thank you for your interest in availing AU Bank credit Card and hope that we could be of service to you in the future.
Further, the bank would re-evaluate your profile after 6 months. Thus, we request you to reapply after 6 months.
Thanks and Regards,
Jebin George Joseph
Customer Service Officer - Credit Cards
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=4#post_9070588
Axis ace card number identifying as axis Neo card. What to do ?
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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