AU Bank Card Upgrade

[Shrinit Padwal]

I tried applying for card and was checking for LTF cards - got only AU Lit cc as LTF. Was shown Vetta option as well - but was 2999 paid, so didn't get that, and selected Lit(got 4L limit).

Will there be any option later to upgrade to Vetta LTF or Zenith LTF - what would be the criteria? Is LTF possible via upgrade?

 

[Rahul Gupta]

I tried applying for card and was checking for LTF cards - got only AU Lit cc as LTF. Was shown Vetta option as well - but was 2999 paid, so didn't get that, and selected Lit(got 4L limit).

Will there be any option later to upgrade to Vetta LTF or Zenith LTF - what would be the criteria? Is LTF possible via upgrade?

Did you apply via swipeup? If you apply via swipeup then all the cards become LTF.

 

[Shrinit Padwal]

Did you apply via swipeup? If, you apply via swipeup then all the cards become LTF.

No didn't do via swipe up

 

[pgarg24]

Do via swipeup and provide most premium card details.. I was in same scenerio but got altura ultra as lft.

 

[Rahul Gupta]

No didn't do via swipe up

AU issue LTF for some selected companies.

There is a thread on this forum for this particular thing. Seach for au LTF.

 

[Shrinit Padwal]

Did you apply via swipeup? If you apply via swipeup then all the cards become LTF.

Do we get only Xcite credit cards via swipe up portal or we also get Vetta/Zenith etc. Which would be a better card Vetta/Zenith (LTF) or Xcite cards?

 

[Shrinit Padwal]

Do via swipeup and provide most premium card details.. I was in same scenerio but got altura ultra as lft.

Was it altura+ or Xcite ultra? Most premium card I have currently is HDFC millenia - via swipe up will I get Xcite ace/ultra? Or can also get Vetta/Zenith?

 

[Rahul Gupta]

Do we get only Xcite credit cards via swipe up portal or we also get Vetta/Zenith etc. Which would be a better card Vetta/Zenith (LTF) or Xcite cards?

All cards are available via swipeup. But, they usually offer xcite series cards.

 

[Rahul Gupta]

Was it altura+ or Xcite ultra? Most premium card I have currently is HDFC millenia - via swipe up will I get Xcite ace/ultra? Or can also get Vetta/Zenith?

It mostly depends on your limit. Whats your current credit limit?

 

[Shrinit Padwal]

It mostly depends on your limit. Whats your current credit limit?

Hdfc Millenia has 3.5L, have Apay with 4L limit and 2 months old ICICI coral with 5.4L. Which would be better card to apply with

 

[pgarg24]

Was it altura+ or Xcite ultra? Most premium card I have currently is HDFC millenia - via swipe up will I get Xcite ace/ultra? Or can also get Vetta/Zenith?

Sry, yeah xcite ultra.. for me they didnt ask the whole card detail only bin number (first 6 digit) and no documents.. so I think you can give bin number of any premium card.. try dbc or infnia or magnus bin number if someone in the community can share and try providing that while applying. You might get zineth if you are lucky.

Not sure how they check if you really have the card tho..

 

[Shrinit Padwal]

Currently when I'm trying via swipe up portal I'm getting redirected to LIT cc Vkyc as that is pending yet. How do I delete this lead id and then apply via swipe up again?

 

[Wealth is my birth right!]

Currently when I'm trying via swipe up portal I'm getting redirected to LIT cc Vkyc as that is pending yet. How do I delete this lead id and then apply via swipe up again?

During vkyc ask them not to approve

 

[pgarg24]

Currently when I'm trying via swipe up portal I'm getting redirected to LIT cc Vkyc as that is pending yet. How do I delete this lead id and then apply via swipe up again?

Or try with different number maybe.. not sure but if they reject during vkyc does it affect cibil or not? Since its rejection from bank? Can you pls confirm @Wealth is my birth right! .. thanks

 

[Shrinit Padwal]

During vkyc ask them not to approve

If I do this, do I need to wait again for 6 months cooling period or so to apply ?

Or try with different number maybe.. not sure but if they reject during vkyc does it affect cibil or not? Since its rejection from bank? Can you pls confirm @Wealth is my birth right.. thanks

Will try

 

[Wealth is my birth right!]

If I do this, do I need to wait again for 6 months cooling period or so to apply ?

Will try

Or try with different number maybe.. not sure but if they reject during vkyc does it affect cibil or not? Since its rejection from bank? Can you pls confirm @Wealth is my birth right! .. thanks

No need to wait as long as the vkyc guy take a request from you to cancel the application u can login fresh after 3 days
Cibil Reg hope before vkyc we get an hit atleast in my case I recollect it we r not canceling card just application na so only 1 hit in cibil

 

[Shrinit Padwal]

Or try with different number maybe.. not sure but if they reject during vkyc does it affect cibil or not? Since its rejection from bank? Can you pls confirm @Wealth is my birth right! .. thanks

Tried with different number - it says try with other number via which you applied earlier, guess it is linked to my PAN.

 

[Arun Pratheep]

Was it altura+ or Xcite ultra? Most premium card I have currently is HDFC millenia - via swipe up will I get Xcite ace/ultra? Or can also get Vetta/Zenith?

For Zenith , you need a card with credit limit of 5 Lakhs and above.

 

[U_Utkrsh]

How long is the cooling off period for rejected applications?

 

[Shrinit Padwal]

How long is the cooling off period for rejected applications?

3/6 months I think