AU Bank, a prominent card issuer in India for now, has gained popularity in the credit card market since introducing credit cards a few years ago. Despite offering a limited selection of credit cards, AU Bank has amassed a loyal customer base due to the numerous associated benefits. With the goal of expanding its credit card customer base and attracting more individuals, AU Bank has launched the SwipeUp Platform. This innovative initiative allows people holding credit cards from other banks to upgrade to an AU Bank Credit Card. It serves as a means for AU Small Finance Bank to extend its reach and provide enhanced credit card solutions. To gain insights into the SwipeUp Platform, continue reading this article.
SwipeUp provides a platform where you can compare your current credit card with AU Small Finance Bank’s credit card offerings and potentially upgrade. Whether you have an HDFC Bank or SBI Credit Card and desire an upgrade, SwipeUp helps you find a suitable match.
AU Small Finance Bank recently introduced three new credit cards: AU Xcite, AU Xcite Ace, and AU Xcite Ultra, which they claim are superior alternatives.
To get started, visit AU Small Finance Bank’s website and navigate to the SwipeUp page. Enter your Permanent Account Number (PAN) and the mobile number registered with your current credit card issuer. Then, input the first six digits of your existing credit card. These digits represent the Bank Identification Number (BIN) specific to your card variant.
Upon entering your details, you are presented with the option to subscribe to a card that AU Small Finance Bank considers superior to your current one. The comparison process is instantaneous.
The SwipeUp platform is open to anyone holding a credit card from another bank, and there is no fee to use the platform.
Cards Available on AU SwipeUp Currently, the AU Bank’s SwipeUp platform offers three credit cards, and individuals can upgrade to any of these cards based on their existing credit card and eligibility. Here are the three cards along with their key features:
- Xcite Credit Card: The AU Bank Xcite Credit Card is a lifetime-free card and serves as the most basic variant among the three offered through the SwipeUp platform. Key features include:
- 2 Reward Points for every Rs. 100 spent on retail purchases.
- 15 Reward Points for every Rs. 100 spent on dining, groceries, departmental stores, and movie expenses.
- Complimentary annual railway lounge access.
- Free insurance and extended warranties on electronic purchases.
- Xcite Ace Credit Card: The Xcite Ace Credit Card provides cashback based on monthly spending. Noteworthy features include:
- 1% cashback for monthly spends of Rs. 7,500.
- 2% cashback for monthly spends of Rs. 12,500.
- 3% cashback for monthly spends of Rs. 20,000 or more.
- 8 complimentary annual railway lounge accesses.
- 1-year extended warranty on mobile phones.
- Xcite Ultra Credit Card: The Xcite Ultra Credit Card represents the most premium card among the three options. It is also lifetime free and offers exceptional benefits across various categories, including:
- 4 Reward Points for every Rs. 100 spent offline.
- 8 Reward Points for every Rs. 100 spent online.
- 12 Reward Points for every Rs. 100 spent internationally.
- Additional 500 Reward Points per month based on monthly
Conclusion: This platform is obviously going to assist many card holders who have few cards or if they are using basic or mid level of cards as you can easily compare your existing card through this platform and it will help you with choosing better one available on this platform. But for the customers who are using high end cards from multiple bank, it will be difficult to get features of all cards in one as they have launched three cards on this platform and these are still can not beat few cards from industry.