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AU Zenith LTF: My experience applying via Swipe Up Program

Walter White

TF Prestige
VIP Lounge
A week back, I applied for AU Bank Credit Card. Last time, when i applied via AU SwipeUp Platform, they offered me Xcite Ultra which I didn't want to take due to poor reward rate. So, after 45 days, I mailed them to remove the lead ID which they did.

I read on this forum that any card with limit of 5L or more should be sufficient to get Zenith LTF using Swipe Up. This time I used my 8 month old Amex Platinum Travel. Fortunately, it worked. Though, they still gave me limit less than the card I used for C2C. 😂

Completed my application and did my VKYC next day. Received repeated calls for the next 2 days stating that you will receive the card within 3-4 days. The next day, I got a call from someone who confirmed my office address. I am not sure he would have made the visit anyway considering the heavy rains unless he used a boat to reach the office as almost everyone from my office was working from home that day. The same night, I received the approval message that your card application is approved. 🙂

After 2 days, I received a message that the card will be delivered today.

Unboxing Time:

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Lol, everyone at my home were surprised when they received this large parcel from Bluedart which seemed to be a large box of chocolates. 🤣

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The colour of the card was a pleasant surprise. There are very few cards in the market, which come in shades of green. So, it was a change from the usual colours.
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Also, they gave a card holder and another envelope which had the papers, brochure and the priority pass.
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Atleast, they clearly mentioned LTF pricing so saved me from writing a mail.

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Looks like AU spent a bit too much on the packaging. The packaging is even more superior than SBI Vistara Prime, which was a clear favourite of mine before this.
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Conclusion:

There is no such thing as too many credit cards and no harm in getting one of it is LTF. AU has left no stone unturned when it came to presentation.

Also, received a call from Greta Thunberg who was pissed off after seeing all the packaging, most of which is likely to go in the bin. 🙄

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Regarding AU Bank, considering that you're self-employed, it's likely that one of your existing cards must have your office address. You could verify this through CIBIL. In February 2023, during my application, only my residential or Aadhaar address appeared. Despite minor differences, several addresses were displayed, about 5 to 7, all being the same. Now, there are only two addresses: home and office. I'm curious about the point at which rejections occur. Does it happen after VKYC or before?
is there any way to update office address in cibil site????
 
I applied for zenith + in nov 2023. Online got approved with 8L limit. Vkyc was done. Next day a staff from au bank came to visit my home/office for verification. It was same address. I had put myself as self employed.

Next day it got rejected saying internal policy. I emailed them back and got same reply saying internal policy. So i just leave it at that till today.

Now i just went to apply again. Got otp in mobile and then this pic shows up.

1000193330.webp

Usually can reapply after 3 to 6 months in any bank. Au bank keep my data lifetime or something ? Or am i blocked in their system lol

Any idea how to get this fixed ? Should i go to local au bank and ask someone there ?
 
I have Apay for over a year got pre approved Coral Rulay ladt Dec.
In Jan 2025 i got Sapphiro MC+ Amex FYF with statement merged with Coral.
Issue here is CIBIL reports shows both Apay & Coral but not Sapphiro.
Soo can i still use Sapphiro for SWIPE UP to get any card ?
Can i get Zenith with this Apay ?
CL is 5L
 
I applied for zenith + in nov 2023. Online got approved with 8L limit. Vkyc was done. Next day a staff from au bank came to visit my home/office for verification. It was same address. I had put myself as self employed.

Next day it got rejected saying internal policy. I emailed them back and got same reply saying internal policy. So i just leave it at that till today.

Now i just went to apply again. Got otp in mobile and then this pic shows up.

View attachment 99406

Usually can reapply after 3 to 6 months in any bank. Au bank keep my data lifetime or something ? Or am i blocked in their system lol

Any idea how to get this fixed ? Should i go to local au bank and ask someone there ?

I applied for zenith + in nov 2023. Online got approved with 8L limit. Vkyc was done. Next day a staff from au bank came to visit my home/office for verification. It was same address. I had put myself as self employed.

Next day it got rejected saying internal policy. I emailed them back and got same reply saying internal policy. So i just leave it at that till today.

Now i just went to apply again. Got otp in mobile and then this pic shows up.

View attachment 99406

Usually can reapply after 3 to 6 months in any bank. Au bank keep my data lifetime or something ? Or am i blocked in their system lol

Any idea how to get this fixed ? Should i go to local au bank and ask someone there ?

@deep@vie is working at AU bank

@deep@vie bro can you please help this person​

 
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