AU Bank Credit Cards offers in India
Joining fee: Rs. 499
Renewal fee: Rs. 499
Rewards: 2X Rewards Point*
Welcome Benefits: N/A
Joining fee: Lifetime Free
Renewal fee: Lifetime Free
Rewards: 1% Cashback*
Welcome Benefits: N/A
Get the Best Credit Card offers to choose from
AU Bank provides customers with a diverse range of credit card options to suit different lifestyles. AU Bank Credit cards offer competitive rewards programs, interest rates, credit limits, and robust security features like advanced fraud protection. With their user-friendly online banking and dedicated support, managing your credit card becomes convenient.
Benefits of AU Bank Credit Cards
AU Bank Credit Cards offers a wide range of benefits to cardholders, designed to enhance their financial experience and provide added value. Here are some of the key benefits:
Rewards Program: Earn reward points on every eligible purchase you make with your AU Bank Credit Card. These points can be redeemed for a variety of rewards, such as cashback, gift cards, travel, merchandise, and more.
Exclusive Discounts and Offers: As an AU Bank Credit Card holder, you’ll enjoy exclusive discounts and special offers from a wide range of merchants, including restaurants, hotels, retail stores, and more. These offers are regularly updated, providing you with ongoing savings opportunities.
Complimentary Insurance Coverage: Your AU Bank Credit Cards comes with complimentary insurance coverage, including travel insurance, purchase protection, and extended warranty on eligible purchases. This added layer of protection ensures peace of mind when making purchases or traveling.
Concierge Services: Enjoy 24/7 access to a dedicated concierge service that can assist you with various tasks, such as making travel arrangements, booking reservations, and providing recommendations for local attractions and services.
Fraud Protection: AU Bank Credit Cards offers robust fraud protection measures, including advanced monitoring systems and zero liability for unauthorized transactions, ensuring your financial security.
Global Acceptance: Your AU Bank Credit Card is widely accepted at millions of merchants worldwide, making it a convenient choice for both domestic and international transactions.
Features of AU Bank Credit Cards
Rewards Program: Many AU Bank credit cards offer a rewards program where you earn points or cash back on your purchases. The rewards can be redeemed for various products, services, or statement credits.
Complimentary Insurance: AU Bank credit cards often come with complimentary insurance coverage, such as travel insurance, purchase protection, and lost luggage protection, depending on the card type.
Exclusive Offers and Discounts: Cardholders may enjoy exclusive offers and discounts on dining, shopping, travel, and entertainment from AU Bank’s partner merchants.
24/7 Customer Support: AU Bank provides round-the-clock customer service support to assist cardholders with any queries or issues related to their credit cards.
Contactless Payment: Many AU Bank credit cards come with contactless payment technology, allowing you to make secure and convenient payments by simply tapping your card at compatible terminals.
Online Account Management: AU Bank offers an online platform and mobile app for cardholders to manage their accounts, view statements, make payments, and track rewards.
Credit Limit Increase: Based on your credit history and account performance, AU Bank may periodically review and increase your credit limit, providing you with more spending power.
EXPLORE OTHER BANK’S CREDIT CARD
Fees and Charges of AU Bank Credit Cards
Annual Fee: Most credit cards from AU Bank come with an annual fee ranging from NPR 1,000 to NPR 5,000, depending on the type of card and the benefits it offers. Premium cards with higher credit limits and more rewards tend to have higher annual fees.
Interest Rate: AU Bank credit cards typically have an interest rate of around 18% to 24% per annum on outstanding balances carried over from the previous billing cycle. This rate may vary based on the card type and your credit profile.
Cash Advance Fee: If you use your AU Bank credit cards to withdraw cash from an ATM or over the counter, you’ll be charged a cash advance fee, usually around 3% to 4% of the transaction amount.
Foreign Transaction Fee: For transactions made in foreign currencies, AU Bank usually charges a foreign transaction fee of around 2% to 3.5% of the transaction amount.
Late Payment Fee: If you miss your credit card payment due date, AU Bank will charge a late payment fee, typically ranging from NPR 500 to NPR 1,000, depending on the card type and your outstanding balance.
Over-limit Fee: If you exceed your credit limit, AU Bank may charge an over-limit fee, usually around NPR 500 to NPR 1,000.
While AU Bank Credit Card offers numerous benefits, it’s important to understand the associated charges to make informed decisions:
Annual Fee: Depending on the type of credit card you choose, there may be an annual fee charged. This fee can vary based on the card’s features and benefits.
Interest Rate: If you carry a balance on your AU Bank Credit Card, you’ll be charged interest on the outstanding amount. The interest rate can vary based on factors such as your credit score and the prevailing market rates.
Late Payment Fee: If you fail to make your minimum payment by the due date, you may be subject to a late payment fee. This fee is typically a fixed amount or a percentage of the outstanding balance.
Over-Limit Fee: If you exceed your credit limit, AU Bank may charge an over-limit fee. It’s essential to monitor your spending and stay within your assigned credit limit to avoid this fee.
Foreign Transaction Fee: When making purchases or withdrawing cash in a currency other than your home currency, a foreign transaction fee may apply. This fee is typically a percentage of the transaction amount.
Eligibility for Applying AU Bank Credit Cards
Age Requirement: Most banks in India require applicants to be at least 18 years of age to apply for a credit card. This is because credit cards are financial instruments that involve legal contracts, and individuals must be of legal age to enter into such agreements.
Residency Status: Typically, banks issue credit cards only to Indian residents or individuals with a valid visa or work permit. This helps ensure that the applicant has a stable source of income and a verifiable address within the country.
Income Criteria: Banks have minimum income requirements for credit card applicants, which vary depending on the type of credit card and the applicant’s location (metro city, tier 1 city, etc.). This income requirement ensures that the applicant has the financial capacity to make timely payments on their credit card bills.
Credit History: Banks evaluate the applicant’s credit history, which includes their credit score and any past or existing credit obligations. A good credit history demonstrates the applicant’s creditworthiness and ability to manage credit responsibly.
Employment Status: Most banks require credit card applicants to be employed or have a stable source of income. This could include salaried individuals, self-employed professionals, or individuals with other verifiable sources of income.
Documentation: Applicants are typically required to provide various documents to support their application, such as identity proof, address proof, income proof, and any other relevant documents as specified by the bank.
Documents Required Applying for AU Bank Credit Cards
It’s essential to have these documents handy to ensure a smooth and hassle-free application process:
Identity Proof: You’ll need to submit a valid government-issued photo ID proof, such as a PAN card, Aadhaar card, voter ID, or passport.
Address Proof: To verify your residential address, you’ll need to provide a recent utility bill (electricity, gas, or telephone), bank statement, or rent agreement.
Income Proof: AU Bank will require proof of your income to assess your repayment capacity. This could be in the form of your latest salary slips (for salaried individuals), income tax returns, or bank statements reflecting regular income (for self-employed individuals or business owners).
Employment Proof: If you’re a salaried employee, you may need to submit a copy of your appointment letter or a recent salary slip as proof of employment.
Bank Statement: Many banks ask for your recent bank statements (typically for the last 6 months) to understand your financial transactions and credit behavior.
Existing Credit Card Statements: If you already have a credit card from another bank, you may need to provide the latest statements as proof of your credit history and repayment track record.
Photograph: You’ll need to submit a recent passport-size photograph for identification purposes.
How to apply for AU Bank Credit Card?
Applying for an AU Bank Credit Cards is a straightforward process that can be completed in a few simple steps. Here’s how you can apply for an AU Bank Credit Card:
Online Application: The most convenient way to apply for an AU Bank Credit Card is through their official website. Visit the credit card section and explore the different card options available. Once you’ve selected the card that best suits your requirements, click on the “Apply Now” button and follow the prompts.
Mobile App: If you prefer the convenience of applying on-the-go, you can download the AU Bank mobile app and apply for a credit card directly from your smartphone or tablet. The application process is user-friendly and designed for a seamless experience.
Visit a Branch: If you’d like personalized assistance or have any specific queries, you can visit your nearest AU Bank branch. Their friendly staff will guide you through the application process and help you choose the right credit card based on your financial goals and spending habits.
Call the Customer Care Center: Alternatively, you can call AU Bank’s customer care center and request to apply for a credit card over the phone. An experienced representative will assist you with the application process and provide you with all the necessary information.
Regardless of the application method you choose, you’ll need to provide some basic personal and financial information, such as your name, date of birth, contact details, employment status, and income details. AU Bank may also require you to submit supporting documents, such as proof of identity, address proof, and income proof.
Once your application is submitted, AU Bank will conduct a thorough evaluation of your creditworthiness and eligibility. If approved, you’ll receive your new credit card within a few business days, along with the terms and conditions and other relevant documentation.
How to Track Applications Status of AU Bank Credit Cards?
Are you eagerly waiting to hear back about your AU Bank credit card application? Well, you’re not alone! AU Bank offers several convenient ways to track the status of your credit card application, ensuring you stay informed every step of the way.
Online Application Tracking Portal: AU Bank’s user-friendly online portal allows you to check the status of your credit card application with just a few clicks. Simply visit their website, navigate to the application tracking section, and enter your reference number or application ID provided during the submission process. This portal will provide you with real-time updates on your application’s progress, from initial review to final decision.
Mobile App: In today’s digital age, convenience is key, and AU Bank understands this perfectly. Their mobile app, available for both iOS and Android devices, offers a seamless experience for tracking your credit card application. Once you’ve logged in to the app, you can access the application status section and stay updated on the go, even when you’re away from your computer.
Customer Care Hotline: If you prefer a more personal touch, AU Bank’s dedicated customer care hotline is at your service. Their friendly and knowledgeable representatives are available to assist you with any queries regarding your credit card application. Simply dial the hotline number, provide your application details, and they’ll be happy to share the latest status update with you.
Branch Visit: For those who value face-to-face interaction, visiting an AU Bank branch is another option. Their skilled branch staff can access your application details and provide you with a comprehensive update on the progress. This option is particularly useful if you have any additional documentation or clarifications to provide in person.
How to Activate AU Bank Credit Cards?
Call the Activation Number: On the sticker attached to your new credit card, you’ll find a toll-free activation number. Call this number from your registered mobile number or any other phone number.
Follow the Automated Instructions: Once you dial the activation number, you’ll be greeted by an automated voice response system. Follow the prompts carefully and enter the required information when asked, such as your credit card number, expiration date, and CVV (Card Verification Value) code.
Set Your PIN: During the activation process, you’ll be prompted to set a 4-digit Personal Identification Number (PIN) for your credit card. Choose a combination that’s easy for you to remember but difficult for others to guess.
Verify Your Identity: For security reasons, the automated system may ask you to verify your identity by providing some personal information, such as your date of birth, mother’s maiden name, or any other details you provided during the credit card application process.
Confirm Activation: After successfully completing the verification process, the automated system will confirm that your AU Bank credit card has been activated and is ready for use.
You can activate your AU Bank credit card online by logging into your internet banking account or the AU Bank mobile app. Look for the “Activate Credit Card” option and follow the on-screen instructions to complete the activation process.
AU Bank Credit Cards Rewards Points:
Standard Card: 1 point per $1 spent – If you spend $2,000 in a month, you’ll earn 2,000 rewards points
Premium Travel Card: 3 points per $1 spent on travel/dining, 1 point per $1 on other purchases – If you spend $1,000 on travel and $500 on other purchases in a month, you’ll earn 3,500 rewards points (3,000 + 500)
AU Bank Credit Cards Cashback:
Cashback Card: 1.5% back on all purchases – If you spend $3,000 in a month, you’ll earn $45 cash back (1.5% of $3,000)
Grocery Cashback Card: 3% back on grocery purchases, 1% back on other purchases – If you spend $800 on groceries and $700 on other purchases in a month, you’ll earn $31 cash back ($24 + $7)
Earning 2,000 rewards points would require $2,000 spend on a standard 1 point per $1 card Earning 3,500 rewards points could come from $1,000 travel/dining spend + $500 other spend on a premium 3X/1X card Earning $45 cash back would require $3,000 total spend on a 1.5% cashback card Earning $31 cash back could come from $800 grocery spend (3% back) + $700 other spend (1% back)
How to Spend AU Bank Credit Cards Rewards and Cashback?
AU Bank’s credit cards offer a rewarding points system that allows you to accumulate points with every purchase you make. These points can be redeemed for a wide range of exciting rewards, including travel, merchandise, gift cards, and more. Here’s how you can make the most of your AU Bank credit card rewards points:
Travel Rewards: One of the most popular ways to redeem your rewards points is for travel-related expenses. You can use your points to book flights, hotel stays, car rentals, and even pay for airport lounge access or in-flight amenities. AU Bank’s travel portal offers competitive rates and a user-friendly interface to book your travel.
Merchandise and Gift Cards: If you’re not a frequent traveler, you can redeem your points for a vast selection of merchandise, including electronics, home appliances, fashion items, and more. AU Bank partners with popular retailers, allowing you to redeem your points for gift cards that can be used for shopping or dining experiences.
Cash Back: For those who prefer cold, hard cash, AU Bank offers the option to redeem your rewards points for a statement credit or direct deposit into your linked bank account. This flexibility allows you to use your rewards however you see fit.
Charitable Donations: AU Bank understands the importance of giving back to the community. You can choose to redeem your rewards points for donations to various charitable organizations, making a positive impact while benefiting from your credit card usage.
In addition to the rewards points program, AU Bank also offers cashback opportunities on certain credit card purchases. Here’s how you can take advantage of the cashback rewards:
Bonus Categories: AU Bank often offers bonus cashback categories that change periodically. These categories might include groceries, gas stations, dining, or online shopping. Be sure to check the current bonus categories and make purchases accordingly to maximize your cashback earnings.
Automatic Redemption: Unlike rewards points, cashback rewards are typically credited automatically to your credit card statement or linked bank account. There’s no need to manually redeem or transfer the cashback; it’s a seamless process that puts money back into your pocket.
Combine with Rewards Points: In some cases, you might be able to earn both rewards points and cashback on the same purchase. This double-dipping feature allows you to maximize your rewards and savings.
AU Bank Credit Cards Login/Net banking?
AU Bank Credit Cards Login/Net banking Accessing your AU Bank credit card account online has never been more convenient. With the bank’s secure net banking platform, you can manage your credit card transactions, pay bills, and monitor your account activity from the comfort of your home or on the go.
Getting Started To begin using AU Bank’s credit card login and net banking services, you’ll need to enroll your credit card account. This process is simple and can be completed in just a few steps:
Visit the AU Bank website and navigate to the “Credit Card Login” section. Click on the “New User Registration” or “Enroll Now” button. Enter your credit card number, expiration date, and other required personal details. Create a secure username and password for your online account. Follow the on-screen instructions to complete the enrollment process.
Once your account is successfully enrolled, you can log in to the netbanking platform using your newly created credentials.
Convenient Features AU Bank’s credit card login and net banking services offer a range of convenient features to help you manage your account efficiently. Here are some of the key features you can take advantage of:
View Statements: Access your credit card statements for the past several months, making it easy to track your spending and reconcile your accounts.
Pay Bills: Quickly and securely pay your credit card bills online, either in full or with a minimum payment amount.
Set Up Automatic Payments: Enroll in automatic bill payments to ensure your credit card bills are paid on time, every month.
Transaction History: Review your recent credit card transactions, including the merchant name, date, and amount.
Manage Alerts: Set up email or SMS alerts for various account activities, such as payment due dates, transaction notifications, and more.
Request Credit Limit Increase: Apply for a credit limit increase directly through the net banking platform, without the need to visit a branch.
Update Personal Information: Easily update your personal details, such as your mailing address, email, or phone number.
Security and Support AU Bank takes the security of your personal and financial information seriously. Their net banking platform employs industry-standard encryption and security measures to protect your data from unauthorized access. Additionally, the bank provides dedicated customer support through various channels, including phone, email, and live chat, to assist you with any questions or concerns you may have regarding your credit card account or the netbanking services.
AU Bank Credit Cards Customer Care
Accessible Customer Care Channels: At AU Bank, we understand the importance of prompt and convenient support. You can reach our customer care representatives through the following channels:
24/7 Phone Support: You can contact our customer care team anytime, day or night, by calling our toll-free number [insert phone number]. Our friendly and knowledgeable agents are available round the clock to address your queries and resolve any issues you may encounter.
Email Support: If you prefer written communication, you can send your inquiries or concerns to our email support team at [insert email address]. Our representatives will promptly respond to your emails, ensuring that your issues are addressed in a timely manner.
Secure Online Portal: AU Bank’s user-friendly online portal offers a convenient way to manage your credit card account, view statements, and initiate customer care requests. Simply log in to your account, navigate to the customer care section, and submit your request or inquiry.
Branch Visits: If you prefer face-to-face interaction, you can visit any of our conveniently located branches across the country. Our branch representatives are trained to provide personalized support and assistance with your credit card-related matters.
Dedicated Support for Emergencies: In case of emergencies, such as a lost or stolen credit card, AU Bank offers dedicated support channels to ensure your peace of mind. You can report such incidents through our 24/7 hotline or by contacting us through the online portal, and our team will take immediate action to protect your account and minimize any potential risks.