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 .

 

[SSV]

It seems they rejected because my self-employed office address is same as home address!

This is 💯 correct

 

[Rahul Gupta]

It seems they rejected because my self-employed office address is same as home address!

Anyone came for verification? Or directly reject after vkyc?

 

[CodeCrusher]

yeah bro tried and got

 

[RAMESH BABU N]

It seems they rejected because my self-employed office address is same as home address!

In my case, my Registeted Office address is in Vijayawada (Capital of Andhra Pradesh). I work from my 2 own Houses in Hyderabad and Tirupati. They have branches in Hyderabad. A 3rd party guy visited my house in Hyderabad n took photos. Still it was declined. Reason - office address - not serviceable. I do not want to shift my own Company's MCA Registered Address to HYD only for this card. Silly n stupid logic by AUB.
Its understandable if it is a direct application. I applied via theit Swipe Up channel.
If they can't even verify an address in a big State's Capital city, then something is seriously wrong with their stupid lopsided internal policies.

 

[Anil_SinghAnil_Singh is verified member.]

In my case, my Registeted Office address is in Vijayawada (Capital of Andhra Pradesh). I work from my 2 own Houses in Hyderabad and Tirupati. They have branches in Hyderabad. A 3rd party guy visited my house in Hyderabad n took photos. Still it was declined. Reason - office address - not serviceable. I do not want to shift my own Company's MCA Registered Address to HYD only for this card. Silly n stupid logic by AUB.
Its understandable if it is a direct application. I applied via theit Swipe Up channel.
If they can't even verify an address in a big State's Capital city, then something is seriously wrong with their stupid lopsided internal policies.

They are stupid enough to reject my application after taking photos of my office (on 1st floor of my own house) and then rejecting it. Do you think they will approve if your office address is in Hyderabad? AU Bank has its own set of rules which even they don't understand. What's wrong with having office address same as home address? I am just saving my money by doing so. Illogical bank. That's the reason I haven't applied since September 2023.

 

[card_007]

Anyone came for verification? Or directly reject after vkyc?

They visited the same day as VKYC

 

[Salonie]

T

In my case, my Registeted Office address is in Vijayawada (Capital of Andhra Pradesh). I work from my 2 own Houses in Hyderabad and Tirupati. They have branches in Hyderabad. A 3rd party guy visited my house in Hyderabad n took photos. Still it was declined. Reason - office address - not serviceable. I do not want to shift my own Company's MCA Registered Address to HYD only for this card. Silly n stupid logic by AUB.
Its understandable if it is a direct application. I applied via theit Swipe Up channel.
If they can't even verify an address in a big State's Capital city, then something is seriously wrong with their stupid lopsided internal policies.

That's why it's a mall finance bank 😂😂 i hope that they remain mall for entire life

 

[card_007]

AU is very cautious so they only give cards to mainstream applicants.

 

[theglobalinvestor]

Makes sense AU bank for Additional User Bank. Primary applicants not welcome.

 

[Pho3nix]

Which one is better Xcite Ace OR Xcite Ultra ?

 

[hedgehog2122]

Which one is better Xcite Ace OR Xcite Ultra ?

Depends, I think ace is for cash back and ultra is for rewards. Otherwise no major difference I think.
Others to respond

 

[MS R]

I have xcite ultra .. my spends in the past one year were 8.8L .... can i request forZenith / Zenith Plus LTF?

did any luckyone in the community manage to get Zenith plus LTF via new application / upgrade??

 

[hedgehog2122]

I have xcite ultra .. my spends in the past one year were 8.8L .... can i request forZenith / Zenith Plus LTF?

did any luckyone in the community manage to get Zenith plus LTF via new application / upgrade??

Considering your spends I think you should try

 

[MS R]

Considering your spends I think you should try

try for zenith or zenith plus??

 

[hedgehog2122]

try for zenith or zenith plus??

Zenith is already devalued, try zenith plus

 

[MS R]

Zenith is already devalued, try zenith plus

sure will give a try.. thank you

 

[Deleted member 7436]

sure will give a try.. thank you

keep us updated

 

[MS R]

keep us updated

sure . .

 

[Beyond]

In my case, my Registeted Office address is in Vijayawada (Capital of Andhra Pradesh). I work from my 2 own Houses in Hyderabad and Tirupati. They have branches in Hyderabad. A 3rd party guy visited my house in Hyderabad n took photos. Still it was declined. Reason - office address - not serviceable. I do not want to shift my own Company's MCA Registered Address to HYD only for this card. Silly n stupid logic by AUB.
Its understandable if it is a direct application. I applied via theit Swipe Up channel.
If they can't even verify an address in a big State's Capital city, then something is seriously wrong with their stupid lopsided internal policies.

It's not your doing but theirs! AU neither gives card to a person with very good credit history nor to a person with very poor credit. Only in the middle can avail their service. They give credit with hope that you will default and they can recover!
They want maximum squeeze and milk.

 

[Beyond]

T

That's why it's a mall finance bank 😂😂 i hope that they remain mall for entire life

Actually malls are quite big now a days 🙂