Get LTF Xcite Credit Cards with AU Bank Swipe Up

AU Bank Swipe Up

AU Bank has always had an easy online application approach for its credit cards. While other cards like Zenith+ can be applied on an income basis, AU Bank also has another portal called Swipe Up. AU Bank Swipe Up portal is dedicated to applying credit cards on a C2C basis. The best part is we can get LTF credit cards on AU Swipe Up. Here is everything you need to know about the platform and the new Xcite credit cards.

What is AU Bank Swipe Up?

LTF IndusInd Legend 04Aug2024

We can apply for credit cards based on either salary or on the basis of our existing credit cards. The later process is called C2C or card to card. While many issuers have an offline process for C2C applications, AU Bank has taken this process online.

AU Bank Swipe Up is a new portal that offers an online C2C process. Through this we can “upgrade” to a new range of LTF Xcite credit cards from AU Bank. We have three Xcite credit card variants. So, it is as simple as logging in and providing the existing credit card bin number to show which new AU credit card you can get. You cannot use the Swipe Up portal if you already hold some other AU Bank credit card.

AU Bank Xcite Credit Card Variants

There are three Xcite credit cards. Xcite Ultra is the top variant among these.

Credit CardPlatformType
AU Bank Xcite Credit CardVisa PlatinumRewards
AU Bank Xcite Ace Credit CardVisa SignatureCashback
AU Bank Xcite Ultra Credit CardVisa SignatureRewards
AU Bank Swipe Up: Xcite Credit Cards

We cannot choose the Xcite credit card that we want to apply for. This is determined by the AU Bank Swipe Up portal based on the card that you use for C2C applications. For example, if you hold Axis credit card then you will be offered the AU Xcite Ace credit card as an upgrade.

LTF IDFC First Bank Credit Cards

AU Bank Xcite Credit Card: Features and Benefits

AU Bank Xcite Credit Card - Best Lifetime Free (LTF) Credit Cards
  • Type: Rewards
  • Reward Rate: 0.2% to 3%
  • Reward Redemption: Gift vouchers including Amazon GV
  • Best Use: Dining, Movie, Grocery and Departmental Stores Spends
  • Airport Lounge Access: Not Available
  • Railway Lounge Access: 2 visits/quarter

AU Bank Xcite Ace Credit Card: Features and Benefits

AU Bank Xcite Ace Credit Card - Best Lifetime Free (LTF) Credit Cards
  • Type: Cashback
  • Reward Rate: 1% to 3%
  • Reward Redemption: Statement Credit
  • Best Use: Spend Rs 20,000 to get up to 3% cashback on spends
  • Domestic Airport Lounge Access: 2 visits/quarter
  • International Airport Lounge Access: Not Available
  • Railway Lounge Access: 2 visits/quarter

AU Bank Xcite Ultra Credit Card: Features and Benefits

AU Bank Xcite Ultra Credit Card - Best Lifetime Free (LTF) Credit Cards
  • Type: Rewards
  • Reward Rate: 1% to 3%
  • Reward Redemption: Redeem rewards for vouchers including Amazon Pay GV
  • Best Use: International Spends
  • Domestic Airport Lounge Access: 2 visits/quarter
  • International Airport Lounge Access: Not Available
  • Railway Lounge Access: 2 visits/quarter

Rewards Redemption

AU Bank Credit Card Rewardz Redemption

The reward points can be redeemed on the AU Rewardz portal. Each RP is worth 25 paise for all redemptions except vouchers. For vouchers, the value of each RP is 20 paise. There is a reward redemption charge of ₹ 99+GST.

Airtel Axis Bank Credit Card
  • Vouchers: Many options including Amazon Pay gift vouchers
  • Merchandise: Not recommended as we get a better value in other options
  • Mobile/DTH Recharge
  • Flight/Hotel/Bus booking
  • Movies
  • Airmiles: Only Vistara at 4 RP = 1 Airmiles ratio

Are the Xcite credit cards worth applying for?

Yes, they are decent entry-level credit cards especially for a LTF price. The Xcite Ace will give you up to 3% cashback on offline spends as well. So, it is comparable to Axis Ace without the 5% cashback on bill payments.

AU Bank also runs attractive offers for festivals on e-commerce merchants. So, you can avail those using these cards.

AU Bank Xcite Ace

Frequently Asked Questions

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6 thoughts on “Get LTF Xcite Credit Cards with AU Bank Swipe Up”

  1. While the cards are good (I especially like the design) they are available widely only in the Western states and MH and MP. In all other states they are available only within a limited area in the biggest city. I am told only within 15 km of an office/branch location. For example in TN its only available in some areas of Chennai, Karnataka Bangalore, Kerala Kochi, Odisha Bhubaneshwar, etc.

    Makes them unattainable for a majority of the country. No platform is going to solve this.

  2. Shubham Jhawar

    Hi,
    I had one doubt here –
    1. For the 1% cashback in xcite ace, will I be getting cashback only after crossing Rs 7500? For example, if I spend Rs 6000, then will I get Rs 60 cashback?

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