AU Swipe Up: Apply Now for Credit Card Upgrade (Easy Guide)

Looking to get more out of your credit card? AU Small Finance Bank’s Swipe Up program is designed for just that. It lets you switch your existing credit card from another bank to a premium AU Xcite series card. This upgrade unlocks a bunch of benefits, like better reward points, exclusive cash-back offers, and a higher spending limit. Plus, there are no annual fees to worry about!

How AU Bank Swipe Up Benefits to You

1. More Rewarding Points: Earn more points with every purchase you make on your upgraded AU Xcite series card. These points can be redeemed for discounts, gift cards, or even cash back, depending on the specific card you choose.
2. Cash Back That Fits Your Lifestyle: Forget boring cashback offers. Swipe Up gives you exclusive cash-back deals tailored to how you spend, whether it’s on shopping, dining, or travelling.
3. Increased Spending Power: Get a higher credit limit with your upgraded card. This allows you to make bigger purchases without maxing out your credit card. Perfect if your spending habits have changed and your old limit feels too restrictive.
4. Free Card, Forever: A major perk of AU Swipe Up is that there are zero joining fees, annual fees, or renewal fees. You can enjoy all the benefits without any hidden charges.
5. Eco-Friendly Upgrade: AU Small Finance Bank is taking steps to be more environmentally friendly. The upgraded Xcite series cards are made from biodegradable materials, so you can feel good about your impact on the planet.
6. Extra Perks on Top: Xcite series cards come with a variety of bonus features, like travel benefits and insurance coverage, depending on the specific card you choose.

Few Drawbacks

1. Read Terms: AU Swipe Up has terms & conditions (fees, eligibility) – review before applying: link: Read AU SWIPE UP T&C (PDF).
2. Credit Check Dip: Applying for a new card often involves a credit check, which can temporarily lower your credit score.
3. Interest Charges: Credit cards charge interest on unpaid balances. If you don’t pay your bill in full each month, interest adds up and eats into your rewards.
4. Card Match Matters: The recommended upgrade might not perfectly match your spending habits. Research and compare Xcite series cards before choosing.
5. Temporary Treats: Some advertised benefits, like cash back categories or bonus points, might be temporary promotions. Make sure you understand how long these offers last.

Eligibility criteria

• it is available to almost everyone with a credit card from another bank.
• A Good Credit score of up to 750.
• Age: 21 or More

Ready to See If You Qualify?

Head over to the AU Bank Swipe Up platform and start the quick application process:

• AU Bank Swipe Up: https://www.aubank.in/personal-banking/credit-cards/swipe-up-credit-card-upgrade-platform.

How to Apply for an AU Swipe Up Credit Card

1. Enter Your Old Card Details: Start by entering the first six digits of your current credit card. This helps AU Bank identify your card and suggest the best upgrade options for you.
2. Tell Them About Your Card: Next, select the specific type of credit card you currently have.
3. See Your Upgrade Options: Once you enter your information, It will recommend the perfect upgrade card for you.
4. Apply with Ease: Review the recommended card and then apply for it directly through the AU Swipe Up platform. The application process is simple, so you can get your new card quickly.