SwipeUp Program Xcite Card Unboxing & Application process

[gautampai]

I had applied for SwipeUp program after watching youtube video on 24th Jan. Could not complete the whole application as it was 10pm and it was after working hours.
The application process is pretty straightforward:-
1. Give PAN and Mobile Number
2. It'll fetch all the addresses and info from credit report, you can choose to select the same address or enter any new address.
3. Enter first 6 digits of your existing credit card.
4. It'll fetch the card variant that you have and based on that it'll offer you any one of Xcite Card variants.
5. It'll show both Xcite variant & your card benefits side by side for comparison and offer you a credit limit right there.

I had given HDFC MoneyBack+ card info which has 70k limit and was offered Xcite Card with 70k limit.
As I couldn't complete the application on 24th, got a call from AU Bank Jaipur branch agent on 25th morning to finish the application, completed the V-KYC & by evening got the approval mail.
Today, i.e 28th I've received the card. I don't see any such huge benefits of this card, but it is LTF nonetheless. So no harm in having one.
Below are the photos of unboxing/opening.
Pretty small package (Almost fits in the hand) :-

Inside the pack:-

Inside the box:-








And finally the card itself:-


PS:- Apologies for making too many markings on the photos. First time posting, so might not be well structured.

 

[R!ppEr]

The card design is good but fonts and logo alignment feels weird😅

 

[gautampai]

My name looks like printed using regular printer, if looked closely.🤣

 

[Rahul Gupta]

I had applied for SwipeUp program after watching ANNA DM youtube channel's video on 24th Jan. Could not complete the whole application as it was 10pm and it was after working hours.
The application process is pretty straightforward:-
1. Give PAN and Mobile Number
2. It'll fetch all the addresses and info from credit report, you can choose to select the same address or enter any new address.
3. Enter first 6 digits of your existing credit card.
4. It'll fetch the card variant that you have and based on that it'll offer you any one of Xcite Card variants.
5. It'll show both Xcite variant & your card benefits side by side for comparison and offer you a credit limit right there.

I had given HDFC MoneyBack+ card info which has 70k limit and was offered Xcite Card with 70k limit.
As I couldn't complete the application on 24th, got a call from AU Bank Jaipur branch agent on 25th morning to finish the application, completed the V-KYC & by evening got the approval mail.
Today, i.e 28th I've received the card. I don't see any such huge benefits of this card, but it is LTF nonetheless. So no harm in having one.
Below are the photos of unboxing/opening.
Pretty small package (Almost fits in the hand) :-
View attachment 9598
Inside the pack:-
View attachment 9599
Inside the box:-
View attachment 9600
View attachment 9601
View attachment 9602

View attachment 9603View attachment 9604
View attachment 9605


And finally the card itself:-
View attachment 9606View attachment 9607

PS:- Apologies for making too many markings on the photos. First time posting, so might not be well structured.

As you know hdfc don't report credit limit to cibil. So, how did they verify your credit limit? Did you upload cc statement or we can enter any limit?

 

[Gautham]

I had applied for SwipeUp program after watching ANNA DM youtube channel's video on 24th Jan. Could not complete the whole application as it was 10pm and it was after working hours.
The application process is pretty straightforward:-
1. Give PAN and Mobile Number
2. It'll fetch all the addresses and info from credit report, you can choose to select the same address or enter any new address.
3. Enter first 6 digits of your existing credit card.
4. It'll fetch the card variant that you have and based on that it'll offer you any one of Xcite Card variants.
5. It'll show both Xcite variant & your card benefits side by side for comparison and offer you a credit limit right there.

I had given HDFC MoneyBack+ card info which has 70k limit and was offered Xcite Card with 70k limit.
As I couldn't complete the application on 24th, got a call from AU Bank Jaipur branch agent on 25th morning to finish the application, completed the V-KYC & by evening got the approval mail.
Today, i.e 28th I've received the card. I don't see any such huge benefits of this card, but it is LTF nonetheless. So no harm in having one.
Below are the photos of unboxing/opening.
Pretty small package (Almost fits in the hand) :-
View attachment 9598
Inside the pack:-
View attachment 9599
Inside the box:-
View attachment 9600
View attachment 9601
View attachment 9602

View attachment 9603View attachment 9604
View attachment 9605


And finally the card itself:-
View attachment 9606View attachment 9607

PS:- Apologies for making too many markings on the photos. First time posting, so might not be well structured.

you wanted which card?

 

[gautampai]

As you know hdfc don't report credit limit to cibil. So, how did they verify your credit limit? Did you upload cc statement or we can enter any limit?

No I did not upload any statement. Don't remember if I entered limit, mostly I've entered the limit. Sorry I don't remember exactly.

 

[gautampai]

you wanted which card?

Had no particular card in mind. Wanted to get whichever they gave.

 

[Rahul Gupta]

No I did not upload any statement. Don't remember if I entered limit, mostly I've entered the limit. Sorry I don't remember exactly.

So, someone need to test putting higher limits in it and see if they aprroves or not.

 

[itachiuchiha]

For me there was no limit asked...only card bin no. I.e 6 digits.....btw didnoffice verification happen for anyone?....i got call today for verification....ii was closed due to 4th saturday

 

[AllSeeker]

What I want to know if the benefit is more than the original card you entered details of?

 

[krishc]

I had applied for SwipeUp program after watching ANNA DM youtube channel's video on 24th Jan. Could not complete the whole application as it was 10pm and it was after working hours.
The application process is pretty straightforward:-
1. Give PAN and Mobile Number
2. It'll fetch all the addresses and info from credit report, you can choose to select the same address or enter any new address.
3. Enter first 6 digits of your existing credit card.
4. It'll fetch the card variant that you have and based on that it'll offer you any one of Xcite Card variants.
5. It'll show both Xcite variant & your card benefits side by side for comparison and offer you a credit limit right there.

I had given HDFC MoneyBack+ card info which has 70k limit and was offered Xcite Card with 70k limit.
As I couldn't complete the application on 24th, got a call from AU Bank Jaipur branch agent on 25th morning to finish the application, completed the V-KYC & by evening got the approval mail.
Today, i.e 28th I've received the card. I don't see any such huge benefits of this card, but it is LTF nonetheless. So no harm in having one.
Below are the photos of unboxing/opening.
Pretty small package (Almost fits in the hand) :-
View attachment 9598
Inside the pack:-
View attachment 9599
Inside the box:-
View attachment 9600
View attachment 9601
View attachment 9602

View attachment 9603View attachment 9604
View attachment 9605


And finally the card itself:-
View attachment 9606View attachment 9607

PS:- Apologies for making too many markings on the photos. First time posting, so might not be well structured.

you got this variant for Amazon pay although you don't care for it

I particularly wanted this variant, always got offered Ultra or Ace, despite trying 25+ different BIN numbers

 

[karankayastha]

Has anyone tried with apay cc i have 1.5lk limit & 2 months old card which xcite card will i get

 

[Jatin1987]

I had applied for SwipeUp program after watching ANNA DM youtube channel's video on 24th Jan. Could not complete the whole application as it was 10pm and it was after working hours.
The application process is pretty straightforward:-
1. Give PAN and Mobile Number
2. It'll fetch all the addresses and info from credit report, you can choose to select the same address or enter any new address.
3. Enter first 6 digits of your existing credit card.
4. It'll fetch the card variant that you have and based on that it'll offer you any one of Xcite Card variants.
5. It'll show both Xcite variant & your card benefits side by side for comparison and offer you a credit limit right there.

I had given HDFC MoneyBack+ card info which has 70k limit and was offered Xcite Card with 70k limit.
As I couldn't complete the application on 24th, got a call from AU Bank Jaipur branch agent on 25th morning to finish the application, completed the V-KYC & by evening got the approval mail.
Today, i.e 28th I've received the card. I don't see any such huge benefits of this card, but it is LTF nonetheless. So no harm in having one.
Below are the photos of unboxing/opening.
Pretty small package (Almost fits in the hand) :-
View attachment 9598
Inside the pack:-
View attachment 9599
Inside the box:-
View attachment 9600
View attachment 9601
View attachment 9602

View attachment 9603View attachment 9604
View attachment 9605


And finally the card itself:-
View attachment 9606View attachment 9607

PS:- Apologies for making too many markings on the photos. First time posting, so might not be well structured.

hi.. i have applied via this platform and showing Zenith to me.

tell me one thing.. at the last page for confirmation, annual fees was showing to you or what was showing there???

coz at my confirmation page, it was showing like annual fees for 7999 +gst n all things.

however cust care told me that would be free if u have applied from this swipe up even u r getting highest varient.

 

[gautampai]

What I want to know if the benefit is more than the original card you entered details of?

Yeah, slightly better than Money-back plus card. Even then wouldn't prefer to use this card or Money-back regularly as I already have SBI cashback card for online & Flipkart Axis for offline.

you got this variant for Amazon pay although you don't care for it

I particularly wanted this variant, always got offered Ultra or Ace, despite trying 25+ different BIN numbers

I used HDFC Money-back plus, not APay Card. Yeah just wanted to collect PVC Cards, so applied.😂

hi.. i have applied via this platform and showing Zenith to me.

tell me one thing.. at the last page for confirmation, annual fees was showing to you or what was showing there???

coz at my confirmation page, it was showing like annual fees for 7999 +gst n all things.

however cust care told me that would be free if u have applied from this swipe up even u r getting highest varient.

No, no, no don't do that. You're trying to apply through regular channel, so you're effectively applying as regular user.
In the webpage, there's a banner about SwipeUp program there " Click here" banner. In SwipeUp platform, you'll be offered only Xcite & it's variants not regular AU Bank card like zenith,altura,vetta

 

[Walter White]

AU Small Finance Bank: Taking a step towards green initiative, your upgraded Xcite series of Credit Card plastic is biodegradable, thus making it better for environment.

Also AU: Sends the card in multiple layers of packaging, most of which anyway goes in the bin. 😂

 

[akshayhs]

AU Small Finance Bank: Taking a step towards green initiative, your upgraded Xcite series of Credit Card plastic is biodegradable, thus making it better for environment.

Also AU: Sends the card in multiple layers of packaging, most of which anyway goes in the bin. 😂

I wish every card issuer asked their customer if they really wanted a physical card in the first place. I have some cards that i don't use offline at all and would have been fine totally keeping it digital only

 

[AllSeeker]

Axis is one of the banks that have got it right, minimum paper wastage, I swear if they could they would just send the card as is. 🤣

 

[krishc]

I used HDFC Money-back plus, not APay Card. Yeah just wanted to collect PVC Cards, so applied.😂

I also tried with Moneyback plus BIN number and of many other well-known card BINs, but got the same Ultra or Ace

 

[krishc]

no, no don't do that. You're trying to apply through regular channel, so you're effectively applying as regular user.
In the webpage, there's a banner about SwipeUp program there " Click here" banner. In SwipeUp platform, you'll be offered only Xcite & it's variants not regular AU Bank card like zenith,altura,vetta

even in SwipeUp sometimes they're offering Zenith
of the many BINs I tried, for IndusInd legend I got Zenith offered

 

[akshayhs]

Can we check what option we get and quit mid way? Without entering my basic details

you got this variant for Amazon pay although you don't care for it

I particularly wanted this variant, always got offered Ultra or Ace, despite trying 25+ different BIN numbers

Getting the same variant as OP for Millennia card