Has anyone tried - AU Swipe Up Program ?

[StanRoute66]

https://www.aubank.in/personal-banking/credit-cards/swipe-up-credit-card-upgrade-program
Basically it is a C2C AU Card Application process + you get the card LTF .

 

[SiddharthR]

Xcite only looks better than ultra or ace

Yes if these spends are more: Dining, Movies, Grocery & Departmental Stores.

 

[krishc]

Yes if these spends are more: Dining, Movies, Grocery & Departmental Stores.

yes the last category is key for me
been looking for a LTF card that gives more than 3% there

 

[SiddharthR]

yes the last category is key for me
been looking for a LTF card that gives more than 3% there

Yeah it's LTF with 3.75% reward rate

 

[ARV]

anyone who has tried this swipe up program, can you share what range of limit you got and which card offered ?
basically I'm trying to figure out if they're offering these Xcite cards basis credit limit range e.g. Ultra for >= 5 lac, Ace for >= 3.5 lac and so on..
there is the other possibility that they might offer these basis the type of card you select to upgrade 🤔🤔

+1

 

[krishc]

Yeah it's LTF with 3.75% reward rate

and it could become 7.5% for the spends done within first 5 days of calendar month

 

[SiddharthR]

and it could become 7.5% for the spends done within first 5 days of calendar month

No, that's only for other online & offline spends

 

[SiddharthR]

and it could become 7.5% for the spends done within first 5 days of calendar month

You can take AU LIT for grocery spends,
₹299+GST for 5% cb
Or
Maybe ₹598+GST for 5% & 2.5% cb

*(PER Quarter fees)

 

[krishc]

No, that's only for other online & offline spends

oho
still 3.75% is also pretty good for me

 

[Hj76]

https://www.aubank.in/personal-banking/credit-cards/swipeup-program/xcite-ace-credit-card

 

[krishc]

You can take AU LIT for grocery spends,
₹299+GST for 5% cb
Or
Maybe ₹498+GST for 5% & 2.5% cb

*(PER Quarter fees)

this is my last option if I don't get anything competitive LTF

 

[Walter White]

Xcite only looks better than ultra or ace

Still can't understand which cards do they actually want to compete with. Apart from lounges, there is no other reason why anyone will choose Xcite Cards. Even the forex markup on these cards is 3.90%, so puts international spends out of the question as well.

 

[SiddharthR]

You can take AU LIT for grocery spends,
₹299+GST for 5% cb
Or
Maybe ₹598+GST for 5% & 2.5% cb

*(PER Quarter fees)

@TheMentalist Will offline/online grocery spends on AU LIT incur 12.5%?
₹299+GST for Additional 5%
₹299+GST for 10x RP (2.5%)
₹299+ GST for Grocery spends 5%

---

₹897+GST/quarter for Grocery and other 5% categories will incur 12.5% valuback(Upto ₹10K and above ₹7.5K)???

 

[TheMentalist]

@TheMentalist Will offline/online grocery spends on AU LIT incur 12.5%?
₹299+GST for Additional 5%
₹299+GST for 10x RP (2.5%)
₹299+ GST for Grocery spends 5%

---

₹897+GST/quarter for Grocery and other 5% categories will incur 12.5% valuback(Upto ₹10K and above ₹7.5K)???

Yes https://www.technofino.in/community/threads/au-lit-customizable-features.2848/post-92771

 

[SiddharthR]

yes the last category is key for me
been looking for a LTF card that gives more than 3% there

What are your monthly grocery spends?

 

[SiddharthR]

Yes https://www.technofino.in/community/threads/au-lit-customizable-features.2848/post-92771

Have you tried it personally?

 

[TheMentalist]

Have you tried it personally?

Not for Grocery, but for Travel category.. and all the rewards (5% + 5% + 10X) get added simultaneously

 

[Batmanbaba]

People who get these cards please share their enrire experience here.... Like any documents asked if au bank customer already, any vkyc, or any physical verification or call verification.... Was card instantly generated.... Or anybody faced rejection as well

 

[jyotimanb]

When did you apply for the card and your current status?
Pls let us know in case of any progress.

 

[Harry1]

Does AU allow 2 cards? Or can existing card holder replace existing card to one of xcite cards?

I have zenith. Xcite ace seems nice with 3% cb on 25k online utility category spends.Does it have basic reward points also, as page mentioned only milestone cashback.

Or Xcite ultra is also good with 2% for unlimited online utility category spends and additional 125 cb per month for first 5 days.

I don't have much offline spends and online shopping is covered by sbi Cashback card.

Only drawback is bms movie 50% benefit on single ticket and some international spends, that is only with AU zenith card.

 

[yolofino]

The application is not proceeding after successful Aadhaar auth after which they show the city & state name.