Any review for AU Royale Saving Account?

[Nemesis]

I already hold Indusind Exclusive, IDFC Wealth (just converted after 10L MAB; they might get me downgraded to select if MAB gets low), ICICI (Salary account; CC told it's Titanium Saving account).

Am in search for the next good account i can get my hands on... AU Royale... seen the benefits like good interest rate on FD/Savings on their website with 1L MAB but want real reviews on the charges and customer care. Any other good account with low MAB and other charges with RM or should i wait till March next year for any offering just like Indusind Exclusive 0 balance?
I know many will tell for HDFC/Axis but won't be keeping more than 5L in each of them for offers.

I will soon convert my ICICI account to wealth (for 0 MAB) by switching the amount between IDFC wealth and ICICI.
Later will decide which account to keep salary one.

Not inclined for Credit Card... as they were already providing me AU Vetta LTF due to my company.

 

[COSMOCRAT]

Hi,

AU is offering me pre-approved upgrade to AU Royale from my normal savings A/C. How can I get the account along with AU Zenith?

By offering pre-approved, do you mean without balance maintenance criteria?

 

[rohant]

By offering pre-approved, do you mean without balance maintenance criteria?

No. With 1 lakh AMB 😂

T&C of the offer:

https://www.aubank.in/tnc/2023/royale-sa-upgrade

 

[COSMOCRAT]

No. With 1 lakh AMB 😂

T&C of the offer:

https://www.aubank.in/tnc/2023/royale-sa-upgrade

Okay, but then what is pre-approved? Can't just anyone upgrade by normal means anyway?

 

[rohant]

Okay, but then what is pre-approved? Can't just anyone upgrade by normal means anyway?

Yes, we can...I guess. We can also open Royale account with 1 lakh balance.

 

[anonymuos]

Can we open AU Royale as 2nd account if we already have AU 0 balance Digital Savings account? Because may want to close AU Royale once I get the CC of my choice.

 

[rohant]

Can we open AU Royale as 2nd account if we already have AU 0 balance Digital Savings account? Because may want to close AU Royale once I get the CC of my choice.

It's because of this reason AU discontinued Zenith CC

 

[anonymuos]

It's because of this reason AU discontinued Zenith CC

But I didn't say I want Zenith only. Is it possible to open 2nd account and get whatever card they are offering e.g. Vetta LTF or Xcite Ace/Ultra LTF if SwipeUp is declining the card?

 

[CardGame]

But I didn't say I want Zenith only. Is it possible to open 2nd account and get whatever card they are offering e.g. Vetta LTF or Xcite Ace/Ultra LTF if SwipeUp is declining the card?

No idea abt 2nd account with AU. Let's see if anyone pitches in

 

[NOORSHAIK9550]

Wanted AU Zenith - got it - so closed the account

Bro within how many days of opening the account they pushed to Zenith? As I also opened the royal account 1 month ago, as I already have AU vetta lifetime free credit card still I didn't get any offer to upgrade to Zenith

 

[rohant]

Bro within how many days of opening the account they pushed to Zenith? As I also opened the royal account 1 month ago, as I already have AU vetta lifetime free credit card still I didn't get any offer to upgrade to Zenith

I think for that, they'll check your salary slips/ ITR, etc. Pre-approved upgradation is not there in AU afaik.

 

[ghoshshubhabrata]

Wanted AU Zenith - got it - so closed the account

Could you please tell when did you open the account, when did you receive AU Zenith, and then when did you close the account? Like the timeframe?

I opened a Royale account 2 weeks back only for AU Zenith, and now the RM is asking me to wait for 45 to 60 days for applying guaranteed Zenith card.

I read here that AU has discontinued Zenith so I asked him again and again and he confirmed that it is not discontinued. He said he will process Zentih after 60 days. On pressing him further, he said if it is discontinued he will process Zenith+ LTF for me. I'm pretty sure he is lying cause Zenith+ is not heing offered LTF.

 

[rohant]

Could you please tell when did you open the account, when did you receive AU Zenith, and then when did you close the account? Like the timeframe?

I opened a Royale account 2 weeks back only for AU Zenith, and now the RM is asking me to wait for 45 to 60 days for applying guaranteed Zenith card.

I read here that AU has discontinued Zenith so I asked him again and again and he confirmed that it is not discontinued. He said he will process Zentih after 60 days. On pressing him further, he said if it is discontinued he will process Zenith+ LTF for me. I'm pretty sure he is lying cause Zenith+ is not heing offered LTF.

Close the account

 

[CardGame]

Could you please tell when did you open the account, when did you receive AU Zenith, and then when did you close the account? Like the timeframe?

I opened a Royale account 2 weeks back only for AU Zenith, and now the RM is asking me to wait for 45 to 60 days for applying guaranteed Zenith card.

I read here that AU has discontinued Zenith so I asked him again and again and he confirmed that it is not discontinued. He said he will process Zentih after 60 days. On pressing him further, he said if it is discontinued he will process Zenith+ LTF for me. I'm pretty sure he is lying cause Zenith+ is not heing offered LTF.

Year end drama

 

[ghoshshubhabrata]

Yeah, i have recorded the calls. Will wait and if they don't give will raise complaint to RBI

 

[Rahul Gupta]

I closed my AU account recently; can share my views for you to take some decision:

Positives:
1. Timely credit of interest - believe it is higher than what IDFC and other banks are offering
2. Instant approval of CC - this is irrelevant for you as you are not looking for one
3. AU Royale welcome Kit
4. Account can be closed just by sending a note to Customer Care - no need to visit Brach
5. No unnecessary charges

Negatives:
1. Pathetic RM
2. Less products from Loan perspective - they have still not launched Home loan in the market

Overall, a good account to hold.

Hi can you clear some questions.

Account balance you maintained ( if you dont wanna share you can give a round figure)

How many months it took for pre-aprroved cc offer.

Highest limit of cc in your cibil at the time of zenith approval.

My cc application is recently rejected after being held for 5 days. I think verfication guy made some mess here. So should i open savings account now or after 6 months?

Thank you for your answers.

 

[V360]

Hi can you clear some questions.

Account balance you maintained ( if you dont wanna share you can give a round figure)

How many months it took for pre-aprroved cc offer.

Highest limit of cc in your cibil at the time of zenith approval.

My cc application is recently rejected after being held for 5 days. I think verfication guy made some mess here. So should i open savings account now or after 6 months?

Thank you for your answers.

Account balance you maintained ( if you dont wanna share you can give a round figure) - 5 Lacs

How many months it took for pre-aprroved cc offer - did not get any pre-approved offer - had set the expectation with BM/RM before opening account

Highest limit of cc in your cibil at the time of zenith approval - cant reveal but your limit should be atleast 6 lacs and above

 

[Ravimali]

Account balance you maintained ( if you dont wanna share you can give a round figure) - 5 Lacs

How many months it took for pre-aprroved cc offer - did not get any pre-approved offer - had set the expectation with BM/RM before opening account

Highest limit of cc in your cibil at the time of zenith approval - cant reveal but your limit should be atleast 6 lacs and above

My application for Au credit card was rejected by bank. Then I opened salary Royal account with Au.After two months I applied for Au zenith CRED card with the help of bank employee over phone(by sharing otp) Lifetime Free zenith card with limit of 8 lakhs approved within 1 hours.

 

[Rahul Gupta]

My application for Au credit card was rejected by bank. Then I opened salary Royal account with Au.After two months I applied for Au zenith CRED card with the help of bank employee over phone(by sharing otp) Lifetime Free zenith card with limit of 8 lakhs approved within 1 hours.

How did you get that employee no.?

Did you apply after two months without waiting for 6 months cooldown?

Any docs shared like salry/itr etc?

Highest cc limit in cibil?

Thank you.

 

[Ravimali]

How did you get that employee no.?

Did you apply after two months without waiting for 6 months cooldown?

Any docs shared like salry/itr etc?

Highest cc limit in cibil?

Thank you.

I applied for any Au credit card 2-3 times within a period of 3 months and on each occasion, it was rejected. So I opened Au Royale Salary account. within one month I requested my RM a callback from credit card person in branch . She called me and I shared my Infinia credit card last 4 digits. And credit card approved within 1 hour.
I don't know if it was due to March end target of branch. My Infinia has credit limit of 9.9 lakhs.

 

[Rahul Gupta]

I applied for any Au credit card 2-3 times within a period of 3 months and on each occasion, it was rejected. So I opened Au Royale Salary account. within one month I requested my RM a callback from credit card person in branch . She called me and I shared my Infinia credit card last 4 digits. And credit card approved within 1 hour.
I don't know if it was due to March end target of branch. My Infinia has credit limit of 9.9 lakhs.

In your previous comment you mentioned that you applied zenith after two month of account opening now you are saying you applied within same month.