Best AU credit card

[hpits]

Hello team,

I have recently tried applying for AU bank credit card through online portal. I have cibil score of 790+. I don't hold any relationship with the bank. Through their swipe up offer/campaign I got XCITE ULTRA LTF. I haven't applied for the card yet. I would like to know few things here.

1 - It the card really worth adding to portfolio?
2 - What are chances of getting an upgrade in the future?
3 - How much spend is required annual for upgrade of credit limit enhancement?
4 - Is there possibility of getting zenith card as LTF?

 

[Skylar]

Hello team,

I have recently tried applying for AU bank credit card through online portal. I have cibil score of 790+. I don't hold any relationship with the bank. Through their swipe up offer/campaign I got XCITE ULTRA LTF. I haven't applied for the card yet. I would like to know few things here.

1 - It the card really worth adding to portfolio?
2 - What are chances of getting an upgrade in the future?
3 - How much spend is required annual for upgrade of credit limit enhancement?
4 - Is there possibility of getting zenith card as LTF?

Regrettably, the bank and its associated cards do not justify their worth. Despite initially attracting customers with enticing offers, they have significantly devalued their card offerings.

 

[wcgxlr8]

+1, stay away unless you’ve got no other options

 

[vishalprakash]

Worst bank in terms of CC services, i have Xcite as LTF, now I want upgrade, and they say that I can't upgrade since it is a swipe up card. And when I asked them to close this and get me a new one, they said once I close AU CC I won't be able to get a card ever from AU.