AU Small Finance Bank has introduced an innovative platform called SwipeUp, which is designed to enhance customers’ credit card experience. This platform allows users to upgrade their existing credit cards from other banks to one of AU Small Finance Bank’s new credit cards, promising better rewards, higher credit limits, and more exciting benefits. This blog will provide a detailed overview of the SwipeUp platform, its benefits, how it works, and why you should consider using it.
What is the AU SwipeUp Platform?
The SwipeUp platform is a digital solution that enables users to upgrade their existing credit cards to a more beneficial card offered by AU Small Finance Bank. This platform offers a seamless process to compare the current benefits of your credit card with AU Small Finance Bank’s offerings and apply for an upgrade instantly.
Benefits of AU SwipeUp
The SwipeUp platform offers a range of benefits, including:
- Higher Reward Points: Earn more rewards on your spending.
- Exclusive Cashbacks: Enjoy cashback offers on various categories.
- Increased Credit Limit: Get a higher credit limit to match your spending needs.
- Lifetime Free Card: All cards offered through SwipeUp have no joining or annual fees.
- Value-Added Features: Additional perks such as lounge access, insurance benefits, and more.
How Does AU SwipeUp Work?
Using the SwipeUp platform is straightforward and involves the following steps:
- Enter Card Details: Visit the SwipeUp page on AU Small Finance Bank’s website and enter your PAN and mobile number registered with your existing card issuer.
- Provide Card Information: Enter the first six digits of your current credit card to identify your card variant.
- Compare and Apply: The platform will suggest an AU Small Finance Bank card that offers better benefits. Compare the features and apply for the upgrade.
Detailed Steps with Table
| Step | Action |
| Step 1: Enter Card Details | Go to the SwipeUp page on AU Small Finance Bank’s website. Enter PAN and registered mobile number. |
| Step 2: Provide Card Info | Enter the first six digits of your existing credit card to identify the variant. |
| Step 3: Compare and Apply | Compare the benefits of your current card with AU Small Finance Bank’s offering and apply. |
Card Options on AU SwipeUp
AU Small Finance Bank offers three main credit card variants through the SwipeUp platform, each with unique benefits tailored to different spending patterns.
Card Variants and Features
| Feature | AU Xcite Credit Card | AU Xcite Ace Credit Card | AU Xcite Ultra Credit Card |
| Annual Fee | Lifetime Free | Lifetime Free | Lifetime Free |
| Reward Points | 2 RPs on every ₹100 spent | Cashback on monthly spends | 4-12 RPs on every ₹100 spent |
| Cashback | – | 1-3% based on monthly spend | – |
| Lounge Access | Complimentary railway lounge access | 8 free railway lounge access annually | 8 complimentary domestic lounge access annually |
| Additional Benefits | Free insurance, extended warranties | 1-year extended warranty on mobile phones | 5,000 bonus RPs on achieving yearly spending milestone |
Pros and Cons of AU SwipeUp
Pros
- Easy Upgrade Process: The platform offers a quick and easy process to upgrade your credit card.
- Better Benefits: Users can enjoy higher rewards, increased credit limits, and other perks.
- No Fees: All credit cards offered through SwipeUp are lifetime free.
Cons
- Limited Card Options: The variety of cards offered by AU Small Finance Bank is limited compared to other banks.
- Single-Card Comparison: Currently, you can compare only one card at a time.
The SwipeUp platform by AU Small Finance Bank is an excellent initiative for those looking to upgrade their existing credit cards. With a focus on providing better rewards, higher credit limits, and no annual fees, it’s a valuable tool for cardholders looking to enhance their credit card benefits. Whether you’re looking for higher reward points or exclusive cashback, SwipeUp has a solution that fits your lifestyle.
