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 .

 

[Anonymous ツ]

Rejected 2nd time. Waited 6 months. Inka alag hi chal raha hai. Internal policies.

Did you use Swipe UP portal? and which card you applied for?

 

[Anil_SinghAnil_Singh is verified member.]

Did you use Swipe UP portal? and which card you applied for?

Yes. Xcite Ace was offered against HDFC Millennia bin.

 

[deep@vie]

Yes. Xcite Ace was offered against HDFC Millennia bin.

Home & office verification successfully done?

 

[brightknight]

Rejected 2nd time. Waited 6 months. Inka alag hi chal raha hai. Internal policies.

ynha to sahi otp ko invalid bol de raha system.
Btw what's your cibil score? & all CCs combined limit to Annual salary ratio?

 

[Anil_SinghAnil_Singh is verified member.]

Home & office verification successfully done?

Yes. Took inside of my home pics. Inquired about income too.

 

[Anil_SinghAnil_Singh is verified member.]

ynha to sahi otp ko invalid bol de raha system.
Btw what's your cibil score? & all CCs combined limit to Annual salary ratio?

CIBIL - 775
Actual combined limit - 921000
Cibil combined limit - 1561000 (due to multiple icici, axis cards)

 

[kshitij_0]

Koi nahi Ramesh Babu. Sabka koi na koi nemesis bank hota hai. Mera IDFC hai. Swear I'm never applying for thier cards again 🤣

Mujhe BoB aur Tata Neu ne pareshan kiya. Halaki aadhi galti meri bhi thi
IDFC aur Amex ye sab easily ho gaya.

AU chahiye hi nahi mujhe abhi. AU ko bank banna hoga pahle

 

[deep@vie]

Yes. Took inside of my home pics. Inquired about income too.

What about Office ?

 

[Anil_SinghAnil_Singh is verified member.]

What about Office ?

He took. No idea what happened. Leave it. Not interested now. They lost a business. After verification, there were 2 miss calls from Au Bank. Saw later in Truecaller.

 

[cchunter]

Also send me swip up link

 

[deep@vie]

Also send me swip up link

Shared over dm

 

[akroma]

Can you send me the link for swipe up too @deep@vie

 

[deep@vie]

Can you send me the link for swipe up too @deep@vie

Done
3 words

 

[gamersgzb]

Update: au Bank is still offering LTF Zenith via swipe up.. my friend recently got it

 

[RajeshV]

What is the point of Swipe Up if they still want to do verify income/office and then go on to reject the applications?

 

[deep@vie]

What is the point of Swipe Up if they still want to do verify income/office and then go on to reject the applications?

Why should they issue card to someone who doesn't have a stable income?

 

[RajeshV]

Why should they issue card to someone who doesn't have a stable income?

... Because they're taking another bank's word on your credit worthiness.

Why call it a card-on-card application/platform then? What makes it any different from a 'regular' application then?

 

[deep@vie]

... Because they're taking another bank's word on your credit worthiness.

Why call it a card-on-card application/platform then? What makes it any different from a 'regular' application then?

Every bank has their policy, there are people with cards like icici amazon having limit in excess of 8l-10l without filing ITR,why should any other bank issue a card on basis of that.

Your first point is not right as someone can lose job/business after sometime.

Second point is a little bit right as they should not promote as C2C only as they do verify office but they give upto 1.5times of existing limit.
Noone in the market does that.

 

[RajeshV]

Every bank has their policy, there are people with cards like icici amazon having limit in excess of 8l-10l without filing ITR,why should any other bank issue a card on basis of that.

Your first point is not right as someone can lose job/business after sometime.

Second point is a little bit right as they should not promote as C2C only as they do verify office but they give upto 1.5times of existing limit.
Noone in the market does that.

I am very specifically talking about 'SwipeUp' and it absolutely is a card-on-card program with a highlighted "assured" on their banner. I don't understand what it is you're getting at.

Every bank gets your limits when they do an enquiry. Only the variant details are obscured but limits almost always define the variant.

 

[Anil_SinghAnil_Singh is verified member.]

I am very specifically talking about 'SwipeUp' and it absolutely is a card-on-card program with a highlighted "assured" on their banner. I don't understand what it is you're getting at.

Every bank gets your limits when they do an enquiry. Only the variant details are obscured but limits almost always define the variant.

Assured - I agree on that. Can be sued in a court of law.