https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9070612
Au card gives rewards for insurance premium payments?
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=5#post_9070725
After entering mobile and PAN number directly went to VKYC. Lead I'd is same as per old application which I had applied in July 2022 and got rejected.
Anyone else has faced this issue?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9070855
Yes me too , not sure what to do? Also not able to contact customer care
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9070883
Anyone holding an AU cc, got 2nd cc via this swipe up program ?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9070896
No Bank rejected my credit card. I am having more than 10 credit card. This is the fist time. Not applying again 
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9071018
Which card they are giving against AXIS Magnus?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9071402
Why would someone with magnus card even want any AU card, that's the bigger question. 
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9071079
Where to track if your cc is approved or not after vkyc
?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9072011
Guys any way to have these if someone already has au bank paid card and other bank cards obviously?
Currently entering number on website leads to old application no only, thinking of closing existing au cc and then trying again
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9072617
I am getting zenith on indusind legend and that time shows LTF zenith but On final page it is showing card fees of 7999, is it really ltf?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9072673
Yes, complete the application.
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9072764
au LIT is alot better
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9073598
For me Zenith Showed Life Time Free, I proceed further with all the details but at the end, it showed Annual charges 7500... has someone faced a similar issue?
Should I proceed with VKYC or drop the plan?
Will it be LTF ?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9073758
Which card bin did you enter bro?
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9074831
There are some listed MNCs companies whose employee can get the zenith Card LTF but again there is a condition of Good CIBIL
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9075054
Anyone got AU card without Address proof for current address ?
Any workaround?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9075486
Even after VKYC today 1 agent visited for physical verification.
Did the mistake of applying the card as self employed.
I know it will be rejected but just doing some personal experiments.
Received zenith cc Today
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9076716
I would suggest dont take AU cerdit limit more than 1.5 lakhs .As per their terms and conditions in case credit card get misused than only they will cover 1.5 lakhs max
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9077990
We can simply put transaction limits right?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9078462
Which card I need to try to get Xcite ace or ultra card.
I have these cards Kotak league, sbi simply click, axis flipkart, sbi cashback can anyone provide their valuable suggestions
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9080725
Anyone able to get the new Xcite card while also holding an old AU LIT card ?
Does this bank allow 2 credit cards ?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9081062
Same question.. Plz share ur views..
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9081187
Where to track AU bank application ?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9081734
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. @ItsBetter
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9081194
Xcite Ultra Credit Card.. what about this guys.? pls suggest to proceed
expected Zenith
-- Applied for Xcite Ultra Credit Card, CL - 6.8L
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9093212
Which cc bin did you guys enter?
@sb007?
@ZNZ - Senior citizen ka age limit hota hai na shyd?
@guest_999 - Any idea?
@sb007?
@ZNZ - Senior citizen ka age limit hota hai na shyd?
@guest_999 - Any idea?
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9081732
Can someone share This CC benefits link ?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9081872
Xcite Credit Card- Enjoy Upgraded Experience | AU Small Finance Bank (aubank.in)
Xcite Ace Credit Card- Enjoy Premium Privileges | AU Small Finance Bank (aubank.in)
Xcite Ultra Credit Card- Luxury And Double Delight | AU Small Finance Bank (aubank.in)
No major benefit over existing good cards like apay/axis fk/axis ace/sbi cb.
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9084836
Applied for lit card yesterday
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9086978
Don't waste time AU is not responding to any one ...i tried so many times.better to go with any other card . unnecessary CIBiL chack .
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9087053
I am getting "thank you application approved and card generated without kyc successful" already having lit credit card. No card showing in app
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9087502
Which card bin did you enter bro?
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9090216
I filled all the details but before VKYC I getting error message that Application can not be processed due to technical error. From last 4 days I am facing this issue. What to do further?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9092639
My friend has got option to apply au zenith through his indusind cc but is unable to do kyc, error msg comes up everytime he tries, he has tried contacting au bank officials too but they are of no help. 
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9093260
icici apay 4.5 l limit card
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9093802
Dont apply they dont care for anything never respond
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=5#post_9097899
For my inquiry Responce was there through mail and twiter.
Click here to reply
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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