Who is Eligible for AU credit card?

Who is eligible for au credit card? Here are two main categories of eligibility for AU credit cards, depending on whether you’re the primary cardholder or an add-on cardholder:

Primary Cardholder

• Age: Between 21 and 60 years old
• Residency: Must be a resident of India

Add-on Cardholder

• Age: Must be over 18 years old
• Existing Relationship: In some cases, the add-on cardholder may need to have an existing relationship with AU Bank

In addition to these basic requirements, AU Bank will also consider other factors during the application process, such as your income, credit score, and repayment history.

What is AU credit card

AU credit cards are issued by AU Small Finance Bank in India. They offer a variety of credit cards with features like:

• Rewards programs: Some cards offer cashback, reward points, or a combination of both on your spending.
• Milestone benefits: You might earn additional rewards for reaching certain spending targets within a set period.
• No annual fees: Several AU Bank cards have no annual fees, though some premium cards may have them.
• Airport lounge access: Certain AU cards provide complimentary access to airport lounges.
• Other benefits: Depending on the card, you might get waivers on fuel surcharge fees, subscriptions to streaming services, or device protection.

How to apply au credit card online

You can apply for an AU credit card online directly through the AU Small Finance Bank website. Here’s a breakdown of the process:

• Head to AU Bank’s Credit Card page: Visit the AU Small Finance Bank’s credit card webpage [AU Bank credit card apply ON AU Small Finance Bank aubank.in].
• Choose your card: Browse and compare the different credit card options offered by AU Bank. Consider factors like rewards programs, fees, and benefits to pick the card that best suits your needs.
• Click “Apply Online”: Once you’ve chosen your card, click the “Apply Online” button.
• Enter your details: You’ll be asked to enter your mobile number and PAN (Permanent Account Number).
• Verification and application: An OTP (One-Time Password) will be sent to your mobile number for verification. After verification, you’ll need to fill out the online application form, which typically includes information like:
  • Personal details (name, date of birth)
  • Contact information
  • Employment details (income and employer)
• Submit documents: You may need to upload scanned copies of documents for verification, such as:
  • Proof of identity (PAN card, Aadhaar card)
  • Proof of address (utility bills, rental agreement)
  • Income proof (salary slips, ITR documents)

Additional points to consider:

• Pre-approved offers: If you’re an existing AU Small Finance Bank customer, you can check the AU 0101 app for any pre-approved credit card offers. This can be a faster application process.
• Eligibility: Make sure you meet the eligibility criteria for the card you’re applying for (age, income, etc.).
• Documents: Ensure you have all the necessary documents scanned and ready to upload before starting the application.

By following these steps, you can conveniently apply for an AU credit card online through the AU Small Finance Bank website.

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How to activate au credit card

There are three main ways to activate your AU credit card:

• Online Activation (Net Banking):
  • You can activate your card if you’re already registered for AU Small Finance Bank’s net banking service.
    • Sign in to Net Banking: Start by accessing your AU Small Finance Bank net banking account.
    • Locate the Credit Card Section: Once logged in, navigate to the section dedicated to credit cards. This might be labeled “Credit Cards” or “Manage My Credit Card.”
    • Find the Activation Option: Look for options mentioning “Credit Card PIN Services” or “Activate Credit Card.”
    • Set Up Your PIN and Enable Transactions (if needed): The specific steps may vary slightly, but you’ll typically be guided through setting a 4-digit PIN for your card. Additionally, you might need to enable functionalities like online and international transactions if you plan to use your card for those purposes.
• Mobile Banking App:
  • Download and install the AU Bank mobile app if you haven’t already.
  • Log in using your credentials and navigate to the “Services” section.
  • The process is similar to net banking. You’ll typically set your PIN and enable online/international transactions if needed.
• Customer Care:
  • Call AU Bank’s customer care number at 1800 1200 1200.
  • Follow the instructions on the Interactive Voice Response (IVR) system to connect with a customer service representative for credit card activation.
  • The representative will guide you through the activation process and likely ask for verification details.

Here are some additional points to remember:

• When to Activate: You’ll typically receive your AU credit card along with a welcome letter containing instructions on activation. “Activate your card right away upon receiving it.”
• Setting Your PIN: Make sure to choose a strong and memorable 4-digit PIN for your card.
• Enabling Online/International Transactions: Remember that by default, online and international transactions might be disabled on your new card. You’ll need to enable them specifically if you plan to use your card for online purchases or international transactions.

AU Bank credit card Benefits

AU credit cards offer a variety of benefits depending on the specific card you choose. Here are some of the common benefits:

• Rewards programs: Some cards offer cashback, reward points, or a combination of both on your spending. You can redeem your rewards for statement credits, travel vouchers, merchandise, and more.
• Milestone benefits: You might earn additional rewards for reaching certain spending targets within a set period.
• No annual fees: Several AU Bank cards have no annual fees, though some premium cards may have them.
• Airport lounge access: Certain AU cards provide complimentary access to airport lounges, which can be a great way to relax and unwind before your flight.
• Other benefits: Depending on the card, you might get waivers on fuel surcharge fees, subscriptions to streaming services, or device protection.

AU credit card charges

AU credit cards come with various charges depending on the specific card you choose and the type of transaction you make. Here’s a breakdown of some common AU credit card charges:

Annual Fees:

• Not all AU Bank cards have annual fees. Some cards, particularly basic or reward-focused cards, have no annual fees. However, premium cards with benefits like airport lounge access often have annual fees that can range from a few hundred rupees to over a thousand rupees.

Interest Rates:

• AU Bank charges interest on your outstanding credit card balance. The interest rate applied depends on the card variant. It typically falls between 1.99% and 3.49% per month, translating to an annual percentage rate (APR) of 23.88% to 41.88%.

Other Charges:

• Cash Advance Fee: A one-time fee is charged whenever you withdraw cash using your AU credit card at an ATM or bank. This fee can be a flat amount or a percentage of the amount withdrawn.
• Fuel Surcharge Fee: Some AU cards have a fuel surcharge fee applied to fuel purchases at petrol pumps. This fee can be a fixed amount per transaction or a percentage of the amount spent.
• Late Payment Fee: If your credit card payment is late, AU Bank will charge a late payment fee.
• Fees for Returned Payments: A fee is levied if your credit card payment through cheque, ECS/NACH, or autopay bounces or fails.
• Charges for Converting Transactions to EMI: There might be a processing fee associated with converting a credit card purchase into equated monthly installments (EMI).
• Other Fees: There might be additional fees for services like requesting a duplicate credit card or replacing a lost PIN.

Here are some resources to find out the exact charges applicable to your AU credit card:

• AU Bank’s Schedule of Charges: This document details various fees associated with AU credit cards. You can find it here:
• Your AU Credit Card Welcome Letter: The welcome letter you receive with your new card should outline the specific fees and charges applicable to your card variant.
• AU Bank Customer Care: You can contact AU Bank’s customer care for any questions regarding charges on your specific card.

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