The problem is - AU has a very small foot print.  And, existing cardholders from other banks come from all over India.  AU can't do verification even in big cities like VIJAYAWADA - The capital city of Andhra Pradesh.  My office is registered in Vijayawada.  I work from Hyderabad n Tirupati.  AU can't "see" my office in Vijayawada or Tirupati.  My swipe up application - rejected - even after escalation to their RNO and PNO - despite having 3 cards - with over 7L/6L/5L limits. All with HYD n TPT address. All my dox - passport, DL, gas, vehicles, properties, voter cards, pan, aadhaar, property taxes, electricity bills... Own properties in HYD n TPT - worth more than 10 crores...
AU can't see any of these.
Strange rules.
Just called AMEX - with a referral - and within 3 days flat - I got AMEX MRCC - delivered at Tirupati.  I was having AMEX Global Green earlier.  No dox asked.