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AU bank Excite Card using Swipe up program worth?
- Thread starter pankaj_ji
- Start date
pprakash11
TF Prestige
Yes.
1. You get it LTF.
2. Xcite is very good for groceries.
1. You get it LTF.
2. Xcite is very good for groceries.
anonymuos
TF Ace
Upon entering which card's BIN in Swipe Up do we get Xcite base variant?
pprakash11
TF Prestige
I haven't seen anyone who has got xcite base variant.
Seems it's AU tactics to give only Xcite higher end cards
akshayhs
TF Legend
I had received base variant for entering the BIN of my HDFC Millennia card. I didn't proceed.
pprakash11
TF Prestige
I think that's the best card for offline grocery purchases. @krishc
Aditya12
TF Premier
I got it only because they offered Xcite Ultra with a limit of 4.95L on my Regalia with limit 3.3L. I might now use this AU Xcite Ultra after a few months to get some good premium card offline on c2c. I know people have been getting CC like Axis Magnus from agents on c2c if they have an old cc with limit more than 3-4L.
Plus it offers 1+1 movie on Paytm (upto 200) which I might use sometimes.
Plus it offers 1+1 movie on Paytm (upto 200) which I might use sometimes.
maheshspanicker
TF Premier
Was trying to apply for AU Zenith, but as I had earlier tried to apply through the Swipeup portal, it ended giving me an offer for AU Xcite Ultra. Didn't finish the application, as I wanted to see if I can still get Zenith LTF as I work in a Central Government institution. Also, before going into VKYC, it asked for uploading address proofe other than Aadhar. My Aadhar and other official documents have my permanent address that is different to my current residential address. What can be done in that situation?
maheshspanicker
TF Premier
AU isn't great on the accessibility front. They said the VKYC can't be processed online as I happen to be blind. Didn't have difficulties with SCB, Amex and IDFC as they needed only your photo and the photo of your PAN card. HDFC wanted signature too, and they send an executive for home visit to do the same. AU says they can't do that and that I have to go to the branch to do the KYC. Think i'll drop it, seems too much hassle
yolofino
TF Ace
Sorry to hear that.
If possible, please mail to higher ups in AU bank so that they learn and improve their systems in future.
maheshspanicker
TF Premier
Decided to take it up after I got to know they did it with another friend too. He too have cards issued by 9 other banks! What AU is doing is not at all in line with RBI/IBA regulations and guidelines. Hopefully, the message will get through and they'll sort themselves out.
Thank you for your support and encouragement. Of the 13 cards I have now, at least half came through after struggles and fights.
SBI, Amex, IDFC, Federal were quite smooth. SCB and PNB were fine after initial difficulties. HDFC was smooth for the first, and slow in the 2nd. Axis, ICICI with the first card, RBL and IndusInd at the outset were quite difficult. Lets see what the deal is going to be with AU.
CHOCOPANDA
TF Premier
Which excite variant good for offline shopping.
Pls give name
maheshspanicker
TF Premier
Just an update on this. Finally I seem to be reaching somewhere with AU Bank. Got a lawyer activist friend working in the disability sector involved, he took it up with the top management, and explained to them as to how their policies are violative of RBI and IBA guidelines. So eventually they did provide me doorstep banking by sending an executive home, and though the process took some time, got the card approved and I have just received the tracking info message. Haven't got the card in hand, but hopefully now there shouldn't be much difficulties. And hopefully, other persons with disabilities applying, should have things easier...
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