Xcite ultra to Zenith

[SoggypastA]

2 months back I decided to apply for a credit card through the AU Swipe Up program. To my surprise, the only card option available was the Xcite Ultra. Determined to get Zenith credit card, I sent numerous emails to the regular credit card customer care, as my employer is listed in their LTF list.
However, after hitting a dead end and realizing my efforts were in vain, I decided to accept my fate. I went through the process of completing the VKYC and eventually received the Xcite credit card.

Two months passed, and I wasn't entirely content with the Xcite credit card. I reached out to the customer care once more, this time contacting the PNO department. After explaining my situation and preferences on call, they took action and forwarded my request to relevant department. Much to my delight, they processed my request for a Zenith credit card.

My first Visa infinite card ✌️

 

[Deleted member 11974]

congrats

 

[Anonymous ツ]

2 months back I decided to apply for a credit card through the AU Swipe Up program. To my surprise, the only card option available was the Xcite Ultra. Determined to get Zenith credit card, I sent numerous emails to the regular credit card customer care, as my employer is listed in their LTF list.
However, after hitting a dead end and realizing my efforts were in vain, I decided to accept my fate. I went through the process of completing the VKYC and eventually received the Xcite credit card.

Two months passed, and I wasn't entirely content with the Xcite credit card. I reached out to the customer care once more, this time contacting the PNO department. After explaining my situation and preferences on call, they took action and forwarded my request to relevant department. Much to my delight, they processed my request for a Zenith credit card.

My first Visa infinite card ✌️

View attachment 26246
View attachment 26247

Xcite Ultra will continue or only 1 Credit card is allowed from AU?

 

[SoggypastA]

Xcite Ultra will continue or only 1 Credit card is allowed from AU?

Only 1 card policy of AU

 

[sousnake]

2 months back I decided to apply for a credit card through the AU Swipe Up program. To my surprise, the only card option available was the Xcite Ultra. Determined to get Zenith credit card, I sent numerous emails to the regular credit card customer care, as my employer is listed in their LTF list.
However, after hitting a dead end and realizing my efforts were in vain, I decided to accept my fate. I went through the process of completing the VKYC and eventually received the Xcite credit card.

Two months passed, and I wasn't entirely content with the Xcite credit card. I reached out to the customer care once more, this time contacting the PNO department. After explaining my situation and preferences on call, they took action and forwarded my request to relevant department. Much to my delight, they processed my request for a Zenith credit card.

My first Visa infinite card ✌️

View attachment 26246
View attachment 26247

Similar situation as mine (employer in LFT list for Zenith). I got my LFT Xcite Ultra around 10 Jun. I send mail (to creditcard.priority@aubank.in) for Zenith approval but they declined.
Can you suggest what should I try? Also what is PNO?

 

[Deleted member 11974]

All Bank Credit Card Department Email ID & Phone No

Hello everyone, here I'm attaching an image, you can find all bank credit card department email id, grievance redressal email id & customer care phone numbers. *to stop spam, I'm uploading this data as image. RBI Banking Ombudsman Complaint URL- https://rbi.org.in/Scripts/Complaints.aspx

www.technofino.in

Similar situation as mine (employer in LFT list for Zenith). I got my LFT Xcite Ultra around 10 Jun. I send mail (to creditcard.priority@aubank.in) for Zenith approval but they declined.
Can you suggest what should I try? Also what is PNO?

check this thread
you will get what you need

 

[SoggypastA]

Similar situation as mine (employer in LFT list for Zenith). I got my LFT Xcite Ultra around 10 Jun. I send mail (to creditcard.priority@aubank.in) for Zenith approval but they declined.
Can you suggest what should I try? Also what is PNO?

The bank doesn't offer upgrade on xcite cards.
Through PNO they can give exceptions it seems.

 

[sousnake]

The bank doesn't offer upgrade on xcite cards.
Through PNO they can give exceptions it seems.

I have sent mail to PNO, let's hoping for positive reply.

 

[sousnake]

Sent mail to PNO, got reply from them. Looks like I need to wait for 6 months before I can upgrade to LFT Zenith. 🙁

Further, we wish to submit you that the feature for card variant upgrade is not available for you at the moment however you may raise the request for credit limit enhancement/card variant upgrade post 6 months from card setup date.

 

[SoggypastA]

Sent mail to PNO, got reply from them. Looks like I need to wait for 6 months before I can upgrade to LFT Zenith. 🙁

Further, we wish to submit you that the feature for card variant upgrade is not available for you at the moment however you may raise the request for credit limit enhancement/card variant upgrade post 6 months from card setup date.

Keep trying or just wait till 6 months. My request processed by Shubhi

 

[sousnake]

Keep trying or just wait till 6 months. My request processed by Shubhi

Oh man! Actually in mail it is written Shubhi called you 3 times but not able to connect. Damn I missed it. Will keep trying or else wait for 6 months.

 

[Sai Ganesh]

Even my company is listed in the LTF , i got Xcite ultra on Swipe up , AU is interested to give Zenith card for me but I asked them to issue me as 2nd credit card as Zenith and i am even fine with merging the limits.

They said it can't be done as AU allows only 1 card per customer , may be in future they might allow multiple cards so i said fine , and waiting for the same.

My only purpose of AU Ultra card is it gives 8 RP for every 100 Rupees which is around 2% return ,also I am not interested on the lounge and visa infinite as I have other cards for this.

Can someone please say does Zenith provides better rewards than Xcite Ultra ?

 

[sousnake]

Even my company is listed in the LTF , i got Xcite ultra on Swipe up , AU is interested to give Zenith card for me but I asked them to issue me as 2nd credit card as Zenith and i am even fine with merging the limits.

They said it can't be done as AU allows only 1 card per customer , may be in future they might allow multiple cards so i said fine , and waiting for the same.

My only purpose of AU Ultra card is it gives 8 RP for every 100 Rupees which is around 2% return ,also I am not interested on the lounge and visa infinite as I have other cards for this.

Can someone please say does Zenith provides better rewards than Xcite Ultra ?

Actually in AU bank, 1 rp = 0.2 Rs so return is 1.6% on online spend in Xcite Ultra. For online I think this is better than zenith.
Zenith gives good RP for grocery, departmental & dining. So you can choose.

Also zenith is visa infinite but xcite ultra is visa signature.
Can you tell for how long you are holding xcite ultra & credit limit as well?
For me they are telling to wait for 6 months post card activation.

 

[Sai Ganesh]

Actually in AU bank, 1 rp = 0.2 Rs so return is 1.6% on online spend in Xcite Ultra. For online I think this is better than zenith.
Zenith gives good RP for grocery, departmental & dining. So you can choose.

Also zenith is visa infinite but xcite ultra is visa signature.
Can you tell for how long you are holding xcite ultra & credit limit as well?
For me they are telling to wait for 6 months post card activation.

But Technofino sir said its 0.25 paise per reward point in his video and I have confirmed with their customer care as well.

Also zenith is visa infinite but xcite ultra is visa signature -> yes bro i know , to be frank , i dont care about this because i already have 5 visa infinite cards.

Can you tell for how long you are holding xcite ultra & credit limit as well -> pls dont laugh 🙂, its only 1 month.

@deep@vie , can you please let us know the value of 1 RP for xcite credit cards ?

 

[4uziaul]

But Technofino sir said its 0.25 paise per reward point in his video and I have confirmed with their customer care as well.

Also zenith is visa infinite but xcite ultra is visa signature -> yes bro i know , to be frank , i dont care about this because i already have 5 visa infinite cards.

Can you tell for how long you are holding xcite ultra & credit limit as well -> pls dont laugh 🙂, its only 1 month.

@deep@vie , can you please let us know the value of 1 RP for xcite credit cards ?

Read this for better understanding

Thread 'AU bank credit card devaluation' https://www.technofino.in/community/threads/au-bank-credit-card-devaluation.13353/

 

[deep@vie]

But Technofino sir said its 0.25 paise per reward point in his video and I have confirmed with their customer care as well.

Also zenith is visa infinite but xcite ultra is visa signature -> yes bro i know , to be frank , i dont care about this because i already have 5 visa infinite cards.

Can you tell for how long you are holding xcite ultra & credit limit as well -> pls dont laugh 🙂, its only 1 month.

@deep@vie , can you please let us know the value of 1 RP for xcite credit cards ?

25paisa

 

[AlgoTrader]

My company is in Category B. I have IDFC wealth CC with 11 L limit and hdfc money back and tata new infinity with 10.5L limit. Also have icici amazon pay with 5L limit. Can I get Zenith LTF?

 

[deep@vie]

My company is in Category B. I have IDFC wealth CC with 11 L limit and hdfc money back and tata new infinity with 10.5L limit. Also have icici amazon pay with 5L limit. Can I get Zenith LTF?

Your employer?

 

[AlgoTrader]

My employer is in Category B. One of the useless witch

 

[Strange]

hdfc money back and tata new infinity with 10.5L limit.

Why didn't you upgrade your money back even after having such high credit limit?