https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9094532
Where to enter 6 digit card no???
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=6#post_9094832
Visit this link and apply:
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9097859
i am being offered some crappy LIT card as ltf
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9099921
LIT is always LTF, on this card you have to pay anyway to choose your desired reward program(aka subscription based reward program).
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9097890
Now being afraid as applied for two credit cards recently with good credit history, but sadly they rejected in a row.
Au bank and axis They done vkyc then physical kyc then rejected. I think both rejected due to my work status "Self Employed"
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9099919
It seems AU bank doesn't approve "self employed" status application unless you have a physically verifiable "shop/business" address different from your home address. Axis is also not so keen on approving such applications unless the person is holding a savings acc in their bank for at least 1+ year.
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9099184
Got a random call on 14th feb about my pending KYC. Had applied for AU CC around 6 months back but got rejected, so they had my phone number. I said yes, KYC done on same day, card approved instantly with a limit of 4.8L. Received physical card today (17th feb). Xcite Ultra it is.
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9100717
I have applied for Zenith through this but got card with 7999 fees. Can I close card right away to avoid fees? Any suggestions?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9101753
I applied for the Zenith card LTF using Regalia’s bin. It’s been more than 4 days and I’m yet to hear from the bank. I tried calling but it got automatically disconnected saying I need to call from the registered number which I did. Any suggestions?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9102562
My card got declined... I had applied using regalia... Cibil 800+
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9102574
Looks like AU is not looking for premium card holders.
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9103786
Got AU Ultra with 8L balance against existing DCB. Applied on Thursday morning, VKYC done on morning itself. On Friday got a call from agent asking for office directions and saying he will visit office, but he did not turn up. Got approved email today i.e. Sunday.
Pretty smooth process. Anyone know which courier do they use for shipping the welcome kit? Because speed post has an issue with my pin code.
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9106528
Clicked the link mentioned and it opened AuBank Swipe Up page.
On Next Page it asked for Phone Number & PAN and OTP confirmation.
On Next Page it is asking Adhaar Card number instead of giving option of entering Existing credit card bin.
When will option of entering Existing credit card bin comes?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9107055
Infinia holder, was eligible for Zenith but application got rejected.
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9124907
Applied as "self-employed"?
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9107222
is anyone got Zenith LTF..?
verified by CC about life time free..?
- applied Xcite ultra variant 12days back, still application status showing "Under Screening" 😒
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9107311
I did. Just after @Bhalal_Dev applied for it.
I have confirmed with customer care through email and it is indeed LTF.
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9109657
If anyone has managed to get 2nd AU credit card, please make sure to update here
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9116201
- Applied on Feb 21 at around 10 pm with indusind legend card. Got zenith and opted for the same.
- Completed VKYC on Feb 22 at around 8 am.
- Got approved message on Feb 22 at around 11 am.
- Card dispatch sms received on Feb 23 at around 11 pm.
- Card delivered on Feb 24.
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9118797
Salaried, right?
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9117985
How to edit the existing card number to provide the other credit card to check the offer. I have tried with sbi simplyclick .they offered me Au ace .now I want to try with the flipkart axis but not able to edit the existing card.
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9132550
Xcite ultra seems to be best case scenario for High CL Apay.
Is it worth applying for Xcite considering it doesn't bring anything special with it!
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9136415
Offering me xcite only 😔😔 using az ICICI cc
Any Trick to get xcite ultra or xcite ace ?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9136465
Try with different card, if any.
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https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9144498
they hit cibil to get your card limit and score. so your cibil score will be impacted if you apply for au credit card
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9166240
Is there any chance of rejection also? Or is it 100% approval
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9166583
Anyone here got 2 AU cards by any chance ?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9173659
anyone got xcite ace cc? is it giving 3%?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9312717
In January I tried checking using my hometown address and it was not serviceable after entering location itself it showed not serviceable ,
now when I am trying to apply again it shows this error after entering mobile number and pan , trying from metro city
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9312975
Anyone got 2 AU bank credit cards ?
https://www.desidime.com/discussions/au-bank-launched-new-credit-cards-xcite-ltf?page=6#post_9436789
I applied xcite ultra through hdfc regalia and at last page shown 5.4 limit for au card but in next page application number generated. Will it be approved or reject also?
Already have bank ac with au and pre approved offer of au LIT card.
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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