if you have account relationship On branch recommendation they can upgrade less than 500k , one of youtube channel zenith unboxing, he confirmed limit is 440k for zenith.
My experience those who working in listed company they approve in one day others need to wait but approval rate is high applying through swipe up, non listed company 100% office verification do happen.
Revision of AU Small Finance Bank Credit Cards Usage Terms & Conditions
Below changes will be applicable on your AU Credit Card w.e.f 1st April’23
1. Annualized Percentage Rate: APR of 3.59% per month (43.08% per annum) will be applicable
on AU Altura, AU LIT, Altura Plus and AU Xcite Credit...
So your pincode not serviceable! , opening account with them not assurance for card approval, better wait for 1 or 2 months and ask him again if serviceable apply , I guess they open branch T.Nagar soon, once they open you can apply your pincode may serviceable from T.Nagar
Anakaputhur? both office and resi same pin code? I just DM the contact person working in au bank nungambakkam branch, personally not availed any service from him , you just ask about the pincode serviceable things