LTF Zenith or Xcite Ultra?

[Sagar]

Hi All,

I am eligible to get Zenith LTF and Xcite Ultra.
Could someone please clarify
1) which one is the most premium out of these 2 credit cards?
2) do they accept requests for Zenith LTF on a C2C basis?
3) Which card I should use for the C2C application? Icici Rubyx with a 7-lack limit or HDFC DCB with a 5.45-lack limit?

Thanks 😊

 

[WhoU]

Hi All,

I am eligible to get Zenith LTF and Xcite Ultra.
Could someone please clarify
1) which one is the most premium out of these 2 credit cards?
2) do they accept requests for Zenith LTF on a C2C basis?
3) Which card I should use for the C2C application? Icici Rubyx with a 7-lack limit or HDFC DCB with a 5.45-lack limit?

Thanks 😊

1. Premium is Zenith, no doubt about that. But if you have specific spends then xcite ultra might give you better rewards.
2. Yeah you get Zenith LTF on C2C
3. They match the limit you provide, so ICICI Rubyx would be a better choice.

 

[Sagar]

1. Premium is Zenith, no doubt about that. But if you have specific spends then xcite ultra might give you better rewards.
2. Yeah you get Zenith LTF on C2C
3. They match the limit you provide, so ICICI Rubyx would be a better choice.

Thanks. I don't want to use an AU card as my primary card so I prefer to go with Zenith

 

[WhoU]

Thanks. I don't want to use an AU card as my primary card so I prefer to go with Zenith

Yeah you get a priority pass which can be used in international lounges. Also the card is visa infinite and comes in a box which definitely feels premium.

 

[Sagar]

Yeah you get a priority pass which can be used in international lounges. Also the card is visa infinite and comes in a box which definitely feels premium.

can I apply for an add-on card once I receive the primary card?

 

[WhoU]

can I apply for an add-on card once I receive the primary card?

They have an irritating rule where the add on needs to have AU bank account to be eligible 🙁 So yeah if your add on member has AU bank account, then yes, else no.

 

[Parvesh Goyal]

can I apply for an add-on card once I receive the primary card?

The add-on card can b applied if add-on card applicant has the account in AU Bank. Otherwise nope..

 

[nakulg]

I recently got approved for Xcite Ultra with a limit of 7.65L, applied C2C using Amazon Pay ICICI with an existing limit of 5.1L. Instead of directly applying for Zenith, the bank employee told me to apply and use the Xcite Ultra card for 3-4 months and then they would surely upgrade to Zenith. Not sure if this is how it works. Does anyone have any similar experience?
The reason that they gave was that my employer was not on their list of approved LTFs list and hence they asked me to go the Xcite Ultra route to get Zenith LTF.
Will the bank upgrade the card to Zenith after 3-4 months?
PS: I also hold a Royale Account with AU bank. It’s an overkill ik 😬

 

[Arun Pratheep]

can I apply for an add-on card once I receive the primary card?

If the add on card holder has AU bank account or another AU card like Vetta, Xcite etc then you can apply for Zenith addon

 

[aashuuuu]

Out of the context question, but can anyone tell how long does it take for application decisioning in AU Bank?

 

[Sagar]

I recently got approved for Xcite Ultra with a limit of 7.65L, applied C2C using Amazon Pay ICICI with an existing limit of 5.1L. Instead of directly applying for Zenith, the bank employee told me to apply and use the Xcite Ultra card for 3-4 months and then they would surely upgrade to Zenith. Not sure if this is how it works. Does anyone have any similar experience?
The reason that they gave was that my employer was not on their list of approved LTFs list and hence they asked me to go the Xcite Ultra route to get Zenith LTF.
Will the bank upgrade the card to Zenith after 3-4 months?
PS: I also hold a Royale Account with AU bank. It’s an overkill ik 😬

my company was not on the list. I dropped a mail asked if my company is eligible or not and they confirmed that my company is eligible. I think they add company based on request.

I am not sure about upgrade to Zenith frim Ultra card.

 

[Sagar]

I recently got approved for Xcite Ultra with a limit of 7.65L, applied C2C using Amazon Pay ICICI with an existing limit of 5.1L. Instead of directly applying for Zenith, the bank employee told me to apply and use the Xcite Ultra card for 3-4 months and then they would surely upgrade to Zenith. Not sure if this is how it works. Does anyone have any similar experience?
The reason that they gave was that my employer was not on their list of approved LTFs list and hence they asked me to go the Xcite Ultra route to get Zenith LTF.
Will the bank upgrade the card to Zenith after 3-4 months?
PS: I also hold a Royale Account with AU bank. It’s an overkill ik 😬

my company was not on the list. I dropped a mail asked if my company is eligible or not and they confirmed that my company is eligible. I think they add company based on request.

I am not sure about upgrade to Zenith frim Ultra card.

 

[nakulg]

my company was not on the list. I dropped a mail asked if my company is eligible or not and they confirmed that my company is eligible. I think they add company based on request.

I am not sure about upgrade to Zenith frim Ultra card.

I did drop them an email for checking if the company is eligible for LTF and they told me that the card would be chargeable in my case. Hence had to go this route.



Maybe I'll have to trust the employee on their guarantee of upgrade to Zenith LTF. Let's see. That should be at least 6 months from now when I'll be eligible to apply for an upgrade request as per their internal policies is what I got to know when I had a word with the customer care executive.

 

[nakulg]

Out of the context question, but can anyone tell how long does it take for application decisioning in AU Bank?

Ideally, they say 3-4 days. Even I had my application in a pending state for the last 2 days for Xcite Ultra. Will update the process and timeline once I get approved and receive the card.

 

[Sagar]

I did drop them an email for checking if the company is eligible for LTF and they told me that the card would be chargeable in my case. Hence had to go this route.

View attachment 17242

Maybe I'll have to trust the employee on their guarantee of upgrade to Zenith LTF. Let's see. That should be at least 6 months from now when I'll be eligible to apply for an upgrade request as per their internal policies is what I got to know when I had a word with the customer care executive.

Plz keep up posted
Curious to know if Ultra to Zenith upgrade works

 

[plastikman]

Out of the context question, but can anyone tell how long does it take for application decisioning in AU Bank?

They rejected mine after 1.5 months 😀

 

[Anonymous ツ]

I did drop them an email for checking if the company is eligible for LTF and they told me that the card would be chargeable in my case. Hence had to go this route.

View attachment 17242

Maybe I'll have to trust the employee on their guarantee of upgrade to Zenith LTF. Let's see. That should be at least 6 months from now when I'll be eligible to apply for an upgrade request as per their internal policies is what I got to know when I had a word with the customer care executive.

Can you share the emal id of AU Credit Card support.

 

[senasenthil]

Can you share the emal id of AU Credit Card support.

creditcard.support@aubank.in

 

[senasenthil]

Out of the context question, but can anyone tell how long does it take for application decisioning in AU Bank?

In my case, vKYC was instant and got the approval message within 2 hrs

 

[mallepula143]

@nakulg did you tried gain for Zenit. As i went for Ultra and i got card delivered today. As my company is not present in the LTF list i am thinking to cancel the card and tr again with other card after some time. Please suggest.​

@

Walter White Please suggest to keep the Ultra card or don't activate it and after 6 months will apply through other card.​