Offer Fulfilled! [INFO] My Experience Flipping from AU Bank LIT to AU Bank ixigo Credit Card (Visa Variant) – Step-by-Step Timeline & Key Details

[_Mayank_]

Hey everyone,

I recently flipped from the AU Bank LIT Credit Card to the AU Bank ixigo Credit Card (Visa Variant) and wanted to share my experience. This post should help anyone considering a similar upgrade or looking for detailed information on the process, timelines, and important considerations.

Why I Switched
The LIT Card was decent, but I wanted the ixigo card for its travel benefits and Zero Forex Charges.
I specifically opted for the Visa variant (not RuPay) due to its wider acceptance. I may soon cancel my RBL World Safari Card.

Step-by-Step Process
1.⁠ ⁠Initiating the Upgrade Request
Action: I called AU Bank customer care to confirm whether an upgrade/flip was possible.
Outcome: Advised to send a formal email request with necessary details and consent.

Key Details Provided in Email:
Cardholder Name:
Registered Email:
Mobile Number:
Existing Card: AU LIT Credit Card (ending with **1234)
Attachment: Screenshot of my ixigo account profile (as requested).

2.⁠ ⁠Bank’s Response & Charges
Bank’s Reply:
Upgrade is subject to approval.
Upgrade fee: ₹199 + GST
I was asked to reply with explicit consent for the charges.
Reference Number Generated

3.⁠ ⁠Confirming Consent
Action: Replied confirming my agreement to the charges and reiterated my request for the Visa variant.
Details Restated: All the reference numbers.

4.⁠ ⁠Processing & Timelines
Outcome: Received an acknowledgement email that my request was forwarded to the relevant department.
New Reference Number generated
Expected Resolution Time: 5 working days.

5.⁠ ⁠Final Confirmation
Outcome: Received a final email confirming that the upgrade request was initiated and would be processed within 5 working days.
New Reference Number generated

6.⁠ ⁠Card Dispatch
Outcome: Received SMS/email that my new ixigo AU Bank Credit Card was dispatched via Bluedart.

7. Total Time Taken
10 days from the first email to receiving the dispatch message.

Tips & Things to Note
1. Specify Card Variant: Always request the variant you want (Visa/RuPay) in writing.
2. Upgrade Fee: Upgrade is NOT free – ₹199 + GST is charged.
3. Reference Numbers: Keep track of reference numbers for all communication.
4. Documents: Attach any requested documents (e.g., screenshot of ixigo profile).
5. Follow-Up: Response time is reasonable, but follow up if you don’t hear back in 5 working days.

Additional Details
1. Card Number: When choosing the Visa variant, your card number remains the same as your previous card.
2. Change Frequency: As per the customer service representative, you can change your card only once a year before the annual fees are charged (if the card is a paid card). If your card was recently charged for an annual fee and you want to change it, you will have to pay the joining fee for the new card along with the upgrade fee of ₹199 + GST.

Conclusion
The process was smooth with clear communication from AU Bank. If you're planning a similar upgrade or flip, follow the steps above and ensure you keep track of all reference numbers and documents.

Feel free to ask if you have any questions or need further clarification!

P.S.: This post was structured and formatted by perplexity.ai

Email Template:
Email Address: creditcard.support@aubank.in
Dear Customer Care Team,

I am writing to formally request an upgrade of my existing AU LIT Credit Card (ending with 1234) to the AU Ixigo Credit Card – Visa Variant. As your customer care representative, Mr XYZ advised during our recent call, I am submitting this written request to proceed with the upgrade.

Details for reference:

Cardholder Name: ABC XYZ

Registered Email ID: abc@xyz.com

Registered Mobile Number: 987643210

Existing Card: AU LIT Credit Card Ending with 1234

Additional Information:

Consent to Proceed: As directed, I hereby give my explicit consent to upgrade my card to the AU Ixigo Card. Kindly process my request as soon as possible.

Visa Variant Requirement: I specifically request the Visa variant of the AU Ixigo Card. Please ensure this variant is processed, as discussed with your team.

Attached Ixigo Profile: As instructed, I have attached a screenshot of my Ixigo account profile to this email for verification and linkage to the new card.

I kindly request you to confirm receipt of this email and initiate the upgrade process. Should you require further details or documentation, please contact me via email or my registered mobile number.

Thank you for your prompt assistance. Looking forward to your confirmation.

 

[Anindya98]

View attachment 99052View attachment 99053

Hey everyone,

I recently flipped from the AU Bank LIT Credit Card to the AU Bank ixigo Credit Card (Visa Variant) and wanted to share my experience. This post should help anyone considering a similar upgrade or looking for detailed information on the process, timelines, and important considerations.

Why I Switched
The LIT Card was decent, but I wanted the ixigo card for its travel benefits and Zero Forex Charges.
I specifically opted for the Visa variant (not RuPay) due to its wider acceptance. I may soon cancel my RBL World Safari Card.

Step-by-Step Process
1.⁠ ⁠Initiating the Upgrade Request
Action: I called AU Bank customer care to confirm whether an upgrade/flip was possible.
Outcome: Advised to send a formal email request with necessary details and consent.

Key Details Provided in Email:
Cardholder Name:
Registered Email:
Mobile Number:
Existing Card: AU LIT Credit Card (ending with **1234)
Attachment: Screenshot of my ixigo account profile (as requested).

2.⁠ ⁠Bank’s Response & Charges
Bank’s Reply:
Upgrade is subject to approval.
Upgrade fee: ₹199 + GST
I was asked to reply with explicit consent for the charges.
Reference Number Generated

3.⁠ ⁠Confirming Consent
Action: Replied confirming my agreement to the charges and reiterated my request for the Visa variant.
Details Restated: All the reference numbers.

4.⁠ ⁠Processing & Timelines
Outcome: Received an acknowledgement email that my request was forwarded to the relevant department.
New Reference Number generated
Expected Resolution Time: 5 working days.

5.⁠ ⁠Final Confirmation
Outcome: Received a final email confirming that the upgrade request was initiated and would be processed within 5 working days.
New Reference Number generated

6.⁠ ⁠Card Dispatch
Outcome: Received SMS/email that my new ixigo AU Bank Credit Card was dispatched via Bluedart.

7. Total Time Taken
10 days from the first email to receiving the dispatch message.

Tips & Things to Note
1. Specify Card Variant: Always request the variant you want (Visa/RuPay) in writing.
2. Upgrade Fee: Upgrade is NOT free – ₹199 + GST is charged.
3. Reference Numbers: Keep track of reference numbers for all communication.
4. Documents: Attach any requested documents (e.g., screenshot of ixigo profile).
5. Follow-Up: Response time is reasonable, but follow up if you don’t hear back in 5 working days.

Additional Details
1. Card Number: When choosing the Visa variant, your card number remains the same as your previous card.
2. Change Frequency: As per the customer service representative, you can change your card only once a year before the annual fees are charged (if the card is a paid card). If your card was recently charged for an annual fee and you want to change it, you will have to pay the joining fee for the new card along with the upgrade fee of ₹199 + GST.

Conclusion
The process was smooth with clear communication from AU Bank. If you're planning a similar upgrade or flip, follow the steps above and ensure you keep track of all reference numbers and documents.

Feel free to ask if you have any questions or need further clarification!

P.S.: This post was structured and formatted by perplexity.ai

Email Template:
Dear Customer Care Team,

I am writing to formally request an upgrade of my existing AU LIT Credit Card (ending with 1234) to the AU Ixigo Credit Card – Visa Variant. As your customer care representative, Mr XYZ advised during our recent call, I am submitting this written request to proceed with the upgrade.

Details for reference:

Cardholder Name: ABC XYZ

Registered Email ID: abc@xyz.com

Registered Mobile Number: 987643210

Existing Card: AU LIT Credit Card Ending with 1234

Additional Information:

Consent to Proceed: As directed, I hereby give my explicit consent to upgrade my card to the AU Ixigo Card. Kindly process my request as soon as possible.

Visa Variant Requirement: I specifically request the Visa variant of the AU Ixigo Card. Please ensure this variant is processed, as discussed with your team.

Attached Ixigo Profile: As instructed, I have attached a screenshot of my Ixigo account profile to this email for verification and linkage to the new card.

I kindly request you to confirm receipt of this email and initiate the upgrade process. Should you require further details or documentation, please contact me via email or my registered mobile number.

Thank you for your prompt assistance. Looking forward to your confirmation.

Great Info, it will be helpful to a lot of people. I love the AU Ixigo Kit presentation. I also have the Visa variant.

 

[drsel]

You made a big mistake
AU Lit is one of the top 12 best cards in India, while AU Ixigo LTF is inferior to Federal Scapia LTF

 

[_Mayank_]

You made a big mistake
AU Lit is one of the top 12 best cards in India, while AU Ixigo LTF is inferior to Federal Scapia LTFView attachment 99091

My Yearly forex spends are around 6.3L-7.8L. What will I do with AU LIT when Ixigo has a Zero Forex Fee? Till now,I am using RBL World Safari card for Zero Forex, but now I feel, if I can use AU Ixigo for the same purpose, then why pay 3.5k with GST as fees? Though using RBL World Safari I saved approximately 27.5k on forex charges. Thats approximately an ROI of 7.6x.

 

[drsel]

My Yearly forex spends are around 6.3L-7.8L. What will I do with AU LIT when Ixigo has a Zero Forex Fee? Till now,I am using RBL World Safari card for Zero Forex, but now I feel, if I can use AU Ixigo for the same purpose, then why pay 3.5k with GST as fees? Though using RBL World Safari I saved approximately 27.5k on forex charges. Thats approximately an ROI of 7.6x.

Why Federal Scapia LTF is much better than AU Ixigo LTF--

Get Rs.500 Paytm voucher and Rs.5,000 villa stay voucher from Elivaas or Alaya Stays with Federal Bank’s Scapia LIFETIME FREE Visa Credit Card 🥳🥳🥳.
👉After card approval, just Activate your new Visa credit card with a single transaction of Rs.300 or more.

The cards comes with following amazing benefits
👉ZERO Forex Mark Up Fee 👌👌👌
👉Unlimited Domestic Lounge Access if spend at least Rs.10,000 in a month

✅✅✅ Airport Privileges: Instead of Free Lounge, you can opt to get Rs.1,000 worth Free Shopping at Airport or Dining at any restaurant at Airport or Spa at Airport 😱😱😱. Rs.1,000 is reimbursed to you as Scapia coins worth Rs.1,000 redeemable on flight & hotel booking.

✳️ Overall Benefits of the Credit Card on Spend
👉10% Scapia Coins on all spend (=2% Valueback)
👉20% Scapia Coins on Travel Spend (flight, bus, train and hotels) = 4% Valueback
👉Valueback on all transactions above Rs.20 (except UPI)
👉5% Rewards on UPI Transactions of Rs.500 or more. Its a RuPay card so can be used on UPI = 1% Valueback
👉Only exclusions for rewards are fuel, rent, EMI, e-wallet, Forex transactions, Education, Government payments, Giftcards
👉Utility spend get rewards if its less than Rs.20,000 per month
👉1% Fuel surcharge waiver for transactions upto Rs.5,000. Maximum waiver Rs.500 per month

👉Valueback is in the form of Scapia points which can be used to make full payments for flights, hotels and bus ticket using Scapia Coins on Scapia App at the rate of 5 Scapia Coins = Rs.1 .
Best price of flight, bus tickets and hotel booking guaranteed by Scapia.
Scapia Coins do not expire, No need to worry about expiry.

 

[_Mayank_]

Why Federal Scapia LTF is much better than AU Ixigo LTF--

Get Rs.500 Paytm voucher and Rs.5,000 villa stay voucher from Elivaas or Alaya Stays with Federal Bank’s Scapia LIFETIME FREE Visa Credit Card 🥳🥳🥳.
👉After card approval, just Activate your new Visa credit card with a single transaction of Rs.300 or more.

The cards comes with following amazing benefits
👉ZERO Forex Mark Up Fee 👌👌👌
👉Unlimited Domestic Lounge Access if spend at least Rs.10,000 in a month

✅✅✅ Airport Privileges: Instead of Free Lounge, you can opt to get Rs.1,000 worth Free Shopping at Airport or Dining at any restaurant at Airport or Spa at Airport 😱😱😱. Rs.1,000 is reimbursed to you as Scapia coins worth Rs.1,000 redeemable on flight & hotel booking.

✳️ Overall Benefits of the Credit Card on Spend
👉10% Scapia Coins on all spend (=2% Valueback)
👉20% Scapia Coins on Travel Spend (flight, bus, train and hotels) = 4% Valueback
👉Valueback on all transactions above Rs.20 (except UPI)
👉5% Rewards on UPI Transactions of Rs.500 or more. Its a RuPay card so can be used on UPI = 1% Valueback
👉Only exclusions for rewards are fuel, rent, EMI, e-wallet, Forex transactions, Education, Government payments, Giftcards
👉Utility spend get rewards if its less than Rs.20,000 per month
👉1% Fuel surcharge waiver for transactions upto Rs.5,000. Maximum waiver Rs.500 per month

👉Valueback is in the form of Scapia points which can be used to make full payments for flights, hotels and bus ticket using Scapia Coins on Scapia App at the rate of 5 Scapia Coins = Rs.1 .
Best price of flight, bus tickets and hotel booking guaranteed by Scapia.
Scapia Coins do not expire, No need to worry about expiry.

I get it, but I don't need it. Plus, my wife already has it. She got it before the fiasco last year, when suddenly her limit was decreased from 8.5L to 40K within 25 days of card issuance. They gave the reason that no spending pattern was detected. The limit remains the same, so I have trust issues. Also, just because of my NRI status, I can't apply for any further cards. This was a flip/upgrade so it worked.

 

[krishc]

View attachment 99052View attachment 99053

Hey everyone,

I recently flipped from the AU Bank LIT Credit Card to the AU Bank ixigo Credit Card (Visa Variant) and wanted to share my experience. This post should help anyone considering a similar upgrade or looking for detailed information on the process, timelines, and important considerations.

Why I Switched
The LIT Card was decent, but I wanted the ixigo card for its travel benefits and Zero Forex Charges.
I specifically opted for the Visa variant (not RuPay) due to its wider acceptance. I may soon cancel my RBL World Safari Card.

Step-by-Step Process
1.⁠ ⁠Initiating the Upgrade Request
Action: I called AU Bank customer care to confirm whether an upgrade/flip was possible.
Outcome: Advised to send a formal email request with necessary details and consent.

Key Details Provided in Email:
Cardholder Name:
Registered Email:
Mobile Number:
Existing Card: AU LIT Credit Card (ending with **1234)
Attachment: Screenshot of my ixigo account profile (as requested).

2.⁠ ⁠Bank’s Response & Charges
Bank’s Reply:
Upgrade is subject to approval.
Upgrade fee: ₹199 + GST
I was asked to reply with explicit consent for the charges.
Reference Number Generated

3.⁠ ⁠Confirming Consent
Action: Replied confirming my agreement to the charges and reiterated my request for the Visa variant.
Details Restated: All the reference numbers.

4.⁠ ⁠Processing & Timelines
Outcome: Received an acknowledgement email that my request was forwarded to the relevant department.
New Reference Number generated
Expected Resolution Time: 5 working days.

5.⁠ ⁠Final Confirmation
Outcome: Received a final email confirming that the upgrade request was initiated and would be processed within 5 working days.
New Reference Number generated

6.⁠ ⁠Card Dispatch
Outcome: Received SMS/email that my new ixigo AU Bank Credit Card was dispatched via Bluedart.

7. Total Time Taken
10 days from the first email to receiving the dispatch message.

Tips & Things to Note
1. Specify Card Variant: Always request the variant you want (Visa/RuPay) in writing.
2. Upgrade Fee: Upgrade is NOT free – ₹199 + GST is charged.
3. Reference Numbers: Keep track of reference numbers for all communication.
4. Documents: Attach any requested documents (e.g., screenshot of ixigo profile).
5. Follow-Up: Response time is reasonable, but follow up if you don’t hear back in 5 working days.

Additional Details
1. Card Number: When choosing the Visa variant, your card number remains the same as your previous card.
2. Change Frequency: As per the customer service representative, you can change your card only once a year before the annual fees are charged (if the card is a paid card). If your card was recently charged for an annual fee and you want to change it, you will have to pay the joining fee for the new card along with the upgrade fee of ₹199 + GST.

Conclusion
The process was smooth with clear communication from AU Bank. If you're planning a similar upgrade or flip, follow the steps above and ensure you keep track of all reference numbers and documents.

Feel free to ask if you have any questions or need further clarification!

P.S.: This post was structured and formatted by perplexity.ai

Email Template:
Dear Customer Care Team,

I am writing to formally request an upgrade of my existing AU LIT Credit Card (ending with 1234) to the AU Ixigo Credit Card – Visa Variant. As your customer care representative, Mr XYZ advised during our recent call, I am submitting this written request to proceed with the upgrade.

Details for reference:

Cardholder Name: ABC XYZ

Registered Email ID: abc@xyz.com

Registered Mobile Number: 987643210

Existing Card: AU LIT Credit Card Ending with 1234

Additional Information:

Consent to Proceed: As directed, I hereby give my explicit consent to upgrade my card to the AU Ixigo Card. Kindly process my request as soon as possible.

Visa Variant Requirement: I specifically request the Visa variant of the AU Ixigo Card. Please ensure this variant is processed, as discussed with your team.

Attached Ixigo Profile: As instructed, I have attached a screenshot of my Ixigo account profile to this email for verification and linkage to the new card.

I kindly request you to confirm receipt of this email and initiate the upgrade process. Should you require further details or documentation, please contact me via email or my registered mobile number.

Thank you for your prompt assistance. Looking forward to your confirmation.

is your upgraded AU ixigo LTF ?

 

[_Mayank_]

is your upgraded AU ixigo LTF ?

Yes. It is LTF.

 

[pprakash11]

View attachment 99052View attachment 99053

Hey everyone,

I recently flipped from the AU Bank LIT Credit Card to the AU Bank ixigo Credit Card (Visa Variant) and wanted to share my experience. This post should help anyone considering a similar upgrade or looking for detailed information on the process, timelines, and important considerations.

Why I Switched
The LIT Card was decent, but I wanted the ixigo card for its travel benefits and Zero Forex Charges.
I specifically opted for the Visa variant (not RuPay) due to its wider acceptance. I may soon cancel my RBL World Safari Card.

Step-by-Step Process
1.⁠ ⁠Initiating the Upgrade Request
Action: I called AU Bank customer care to confirm whether an upgrade/flip was possible.
Outcome: Advised to send a formal email request with necessary details and consent.

Key Details Provided in Email:
Cardholder Name:
Registered Email:
Mobile Number:
Existing Card: AU LIT Credit Card (ending with **1234)
Attachment: Screenshot of my ixigo account profile (as requested).

2.⁠ ⁠Bank’s Response & Charges
Bank’s Reply:
Upgrade is subject to approval.
Upgrade fee: ₹199 + GST
I was asked to reply with explicit consent for the charges.
Reference Number Generated

3.⁠ ⁠Confirming Consent
Action: Replied confirming my agreement to the charges and reiterated my request for the Visa variant.
Details Restated: All the reference numbers.

4.⁠ ⁠Processing & Timelines
Outcome: Received an acknowledgement email that my request was forwarded to the relevant department.
New Reference Number generated
Expected Resolution Time: 5 working days.

5.⁠ ⁠Final Confirmation
Outcome: Received a final email confirming that the upgrade request was initiated and would be processed within 5 working days.
New Reference Number generated

6.⁠ ⁠Card Dispatch
Outcome: Received SMS/email that my new ixigo AU Bank Credit Card was dispatched via Bluedart.

7. Total Time Taken
10 days from the first email to receiving the dispatch message.

Tips & Things to Note
1. Specify Card Variant: Always request the variant you want (Visa/RuPay) in writing.
2. Upgrade Fee: Upgrade is NOT free – ₹199 + GST is charged.
3. Reference Numbers: Keep track of reference numbers for all communication.
4. Documents: Attach any requested documents (e.g., screenshot of ixigo profile).
5. Follow-Up: Response time is reasonable, but follow up if you don’t hear back in 5 working days.

Additional Details
1. Card Number: When choosing the Visa variant, your card number remains the same as your previous card.
2. Change Frequency: As per the customer service representative, you can change your card only once a year before the annual fees are charged (if the card is a paid card). If your card was recently charged for an annual fee and you want to change it, you will have to pay the joining fee for the new card along with the upgrade fee of ₹199 + GST.

Conclusion
The process was smooth with clear communication from AU Bank. If you're planning a similar upgrade or flip, follow the steps above and ensure you keep track of all reference numbers and documents.

Feel free to ask if you have any questions or need further clarification!

P.S.: This post was structured and formatted by perplexity.ai

Email Template:
Dear Customer Care Team,

I am writing to formally request an upgrade of my existing AU LIT Credit Card (ending with 1234) to the AU Ixigo Credit Card – Visa Variant. As your customer care representative, Mr XYZ advised during our recent call, I am submitting this written request to proceed with the upgrade.

Details for reference:

Cardholder Name: ABC XYZ

Registered Email ID: abc@xyz.com

Registered Mobile Number: 987643210

Existing Card: AU LIT Credit Card Ending with 1234

Additional Information:

Consent to Proceed: As directed, I hereby give my explicit consent to upgrade my card to the AU Ixigo Card. Kindly process my request as soon as possible.

Visa Variant Requirement: I specifically request the Visa variant of the AU Ixigo Card. Please ensure this variant is processed, as discussed with your team.

Attached Ixigo Profile: As instructed, I have attached a screenshot of my Ixigo account profile to this email for verification and linkage to the new card.

I kindly request you to confirm receipt of this email and initiate the upgrade process. Should you require further details or documentation, please contact me via email or my registered mobile number.

Thank you for your prompt assistance. Looking forward to your confirmation.

Pls provide the email Id on which this request was sent and the subject which u mentioned.
I literally copy pasted ur email 😂

 

[_Mayank_]

Pls provide the email Id on which this request was sent and the subject which u mentioned.
I literally copy pasted ur email 😂

Here you go: creditcard.support@aubank.in

 

[Sahil_07]

Great Info, it will be helpful to a lot of people. I love the AU Ixigo Kit presentation. I also have the Visa variant.

So no further verification?
Also is there any time frame after which upgrade request can be made?
Like min 6 months after the card issuance etc.
Also is your Lit card blocked now?
Bcz some banks allows to use both the cards

 

[_Mayank_]

So no further verification?
Also is there any time frame after which upgrade request can be made?
Like min 6 months after the card issuance etc.
Also is your Lit card blocked now?
Bcz some banks allows to use both the cards

1. No Further Verification.
2. Yes, mentioned above. you can switch cards immediately. But there is a cooling-off period of 1 year between the 1st Request and the 2nd Request.
3. LIT Card is now replaced by AU ixigo. The app shows only one card.
4. AU Bank allows only one card at a time.

This card is a flip/swap/upgrade/replacement from the AU LIT card

 

[Anindya98]

So no further verification?
Also is there any time frame after which upgrade request can be made?
Like min 6 months after the card issuance etc.
Also is your Lit card blocked now?
Bcz some banks allows to use both the cards

Hey, I don't have LIT. Only Ixigo

 

[_Mayank_]

Hey, I don't have LIT. Only Ixigo

Good for you, but what do you mean by this comment? We all know that AU Bank issues only one card per customer

 

[Anindya98]

Good for you, but what do you mean by this comment? We all know that AU Bank issues only one card per customer

I meant that I have only one card from AU. Therefore, I will not be able to answer the questions accurately.

 

[V G]

Is zero forex also applicable on Rupay version of AU Ixigo? How is the acceptability overseas of rupay card?

 

[Sahil_07]

Is zero forex also applicable on Rupay version of AU Ixigo? How is the acceptability overseas of rupay card?

As far as I know it's accepted in 7-8 countries out side India like Srilanka,Nepal, Singapore,France and few more

 

[Anindya98]

Is zero forex also applicable on Rupay version of AU Ixigo? How is the acceptability overseas of rupay card?

The visa variant is better for more acceptance overseas.

 

[_Mayank_]

Is zero forex also applicable on Rupay version of AU Ixigo? How is the acceptability overseas of rupay card?

Yes, it is applicable for the Rupay version too.
You can use the Rupay card if you see this logo in any store


Mostly in Europe, people put this image on the storefront to inform people about card acceptance.