AU Small Finance Bank Credit Card

Applying for an AU Small Finance Bank credit card is a straightforward process. You can apply directly through the AU Small Finance Bank website. Here's a step-by-step guide:

To be eligible for an AU Small Finance Bank credit card, applicants must meet the following criteria:

Applicants need to provide the following documents:

The fees and charges for AU Small Finance Bank credit cards vary depending on the card type. Here is a general overview:

• Annual Fee: It Ranges from ₹499 to ₹7,999, depending on the card you choose.
• Finance Charges: The bank charges the interest of Up to 3.49% per month (41.88% per annum) on the outstanding amount.
• Late Payment Charges:
• Up to ₹100 – Nil
• ₹101 to ₹500 – ₹100
• ₹501 to ₹5,000 – ₹500
• ₹5,001 to ₹10,000 – ₹750
• Above ₹10,000 – ₹1,000

AU Small Finance Bank credit cards come with a variety of features and benefits to enhance the cardholder's experience:

1. Through Net Bank:
• Log in to your AU Small Finance Bank Net banking account.
• Navigate to the 'Credit Cards' section.
• Select 'Set/Reset PIN' and follow the instructions to set your 4-digit PIN.
2. Tough Mobile Banking:
• Open the AU 0101 App and log in.
• Go to 'Credit Card Services'.
• Choose 'Set/Reset PIN' and proceed as directed.
3. Through Customer Care:
• You can call AU Small Finance Bank’s customer care at 1800 1200 1200.
• Request assistance to set or reset your credit card PIN.

Setting the PIN will activate your credit card, enabling transactions at merchant outlets and ATMs.

• For AU Small Finance Bank Account Holders:
• Net Banking: Cardholders can log in to their AU Small Finance Bank Net Banking account and pay directly.
• Mobile Banking: The AU 0101 App is also very convenient for making credit card payments.
• Auto-Debit: Set up automatic payments to never miss a credit card payment.
• For Non-AU Small Finance Bank Account Holders:
• NEFT/IMPS: Transfer funds using the IFSC code AUBL0000001.
• BillDesk: Use the BillDesk platform to pay your credit card bill.

To manage your AU Small Finance Bank Credit Card online:

1. Registration:
• Visit the AU Small Finance Bank Net Banking portal.
• Click on 'Register' and provide the required details, including your credit card number and registered mobile number.
• Set your User ID and password to complete the registration.
2. Login:
• Use your User ID and password to log in to the Net Banking portal.
• Access various services such as viewing statements, making payments, and managing card settings.

Interest on AU Small Finance Bank Credit Cards is applied in the following scenarios:

• Outstanding Balance: If you do not pay the full outstanding amount by the due date, interest is charged on the remaining balance.
• Cash Withdrawals: Interest is charged from the date of cash withdrawal until you repay the full amount.
• New Transactions with Existing Balance: If there's an existing balance, new purchases may attract interest from the transaction date.

AU Small Finance Bank provides an interest-free period of up to 48 days on credit card purchases. This period varies depending on the specific credit card scheme and the merchant's claim submission. To benefit from this, ensure that the previous month's balance is cleared in full and avoid cash withdrawals, because they do not qualify for the interest-free period.

After applying for an AU Small Finance Bank Credit Card, you can track your application status through the following methods:

1. Online via Bank's Website:
• Visit the official AU Small Finance Bank website.
• Navigate to the credit card section and look for the application status link.
• Enter your application reference number to view the status.
2. Customer Support:
• Call the toll-free number: 1800 1200 1200.
• Provide your application details to the representative to get an update.

AU Small Finance Bank offers a balance transfer facility, it allows you to transfer outstanding balances from other bank credit cards to your AU Small Finance Bank Credit Card. This can help in consolidating debt and reduce the interest costs. For detailed terms, conditions, and the application process, it's recommended to contact AU Small Finance Bank's customer service or visit their official website.

For any queries or assistance related to AU Small Finance Bank Credit Cards, you can reach out to their customer care through the following channels: