Key Insights

You have to pay some charges like the joining fees, annual fees, late payment fees, and other penalties on your AU Bank Credit Card.
These fees apply to withdrawals, overdrafts, missing payments, transactions and services of the AU Bank Credit Card.
Different AU Bank credit cards have different charges, depending on the card type.

The AU Bank Credit Card gives you features and benefits that give you an edge in your financial life. You can earn reward points on almost every transaction,

But did you know about the AU Credit Card Charges?

The AU Bank Credit Card has certain charges that are essential for you to be aware of, so you can utilise the card effectively according to your financial situation.

Example:

My friend Mohan took out ₹10,000 in cash from an ATM. He will have to pay ₹400 in cash advance charges, which is 4% of the amount, along with daily interest. If he misses his payment due date, he could also face a ₹500 late fee and ₹1,000 in finance charges on the unpaid balance.

This blog helps you understand the AU Bank credit card joining and annual fees, interest rates, withdrawal fees, and late payment fees.

AU Bank Credit Card Joining & Annual Charges

If you want to take advantage of the AU Bank Credit Card, then you have to pay the credit card annual fees, but some cards come with no charges. Which credit card is it? Let’s see.

Here is the table of the AU Bank Credit Card joining and renewal charges.

AU Credit Card Charges	Joining Fees of AU Bank Credit Card Charges	Renewal Charges AU Bank Credit Card Charges
Zenith	₹7,999	₹7,999
Vetta	₹2,999	₹2,999
Altura Plus	₹499	₹499
Altura	₹199	₹199
LIT	Life Time Free	Life Time Free

This table shows that every card has its own charges because every AU Credit Card comes with different features and benefits.

AU Bank Credit Card Interest Rate Charges

The AU Bank Credit Card has interest rate charges, but these charges apply to all AU Bank variants. Here is the table of AU Credit card interest rate charges:

Credit Card Variant	Interest Charges (Excluding GST)
Zenith	1.99% per month (23.88% annually)
All AU Retail Credit Cards Except Zenith	3.75% per month (45% per annum)

This table shows the interest rate charges for the AU Bank Credit Card, which includes all AU retail credit cards except those with high-interest-rate charges.

Bonus Tip: Do you know that the 1% surcharge is refunded for transactions between ₹400 and ₹5,000 for the following cards: Altura, AU SPONT, NOMO, and AU KOSMO: A Maximum of ₹100 per statement month.

AU Bank Credit Card Cash Withdrawal Charges

The AU Bank Credit Card charges when you withdraw cash from ATMs, but the charges also depend on the amount you withdraw. Here is the table:

Credit Card Variant	Cash Withdrawal Limit	Withdrawal Charges
NOMO	70% of the card limit	Cash Advance Fee: If you want to know the withdrawal charges, you have to review your credit card terms and conditions to understand the exact fee structure. ATM Fees: These charges vary depending on the location and the specific ATM.
Traverse	50% of the card limit
Altura, Altura Plus, AU SPONT & SwipeUp - Xcite Series of Cards	Up to 40% of the card limit
Vetta, Business Cashback, ABC Pro, ABC Biz	30% of the card limit
Zenith, Zenith+, LIT, ixigo AU, ABC Flex, ABC Nxt, AU KOSMO	20% of the card limit

This shows you the charges for the withdrawal of the AU Bank Credit Card.

AU Credit Card Late Payment Charges

The AU Credit Card Charges have some late payment charges, but it depends on the amount of the credit card bill. Here is the table, which shows you the late payment charges:

Late Payment Charges	Total Amount Due/Statement Balance	Late Payment Charges
Late Payment Charges (Basis Credit Card Bill Amount)	Less than or equal to ₹100	NIL
Late Payment Charges (Basis Credit Card Bill Amount)	Above ₹100 and up to ₹500	₹100
	Above ₹500 and up to ₹5,000	₹600
	Above ₹5,000 and up to ₹10,000	₹700
	Above ₹10,000 and up to ₹20,000	₹800
	Above ₹20,000 and up to ₹50,000	₹1,100
	Above ₹50,000	₹1,300

This table shows the AU Bank Credit Card Charges late payment charges, categorised by whether the amount is less than ₹100 or above ₹100.

AU Bank Credit Card Overlimit Charges

The AU Bank Credit Card offers various features, but every credit card has a limit. However, if you exceed the limit, there are additional charges. Here are the overlimit charges:

AU Bank Credit Card Charges of Overlimit
Overlimit Charges	2.5% of the overlimit amount, subject to a minimum of ₹ 500

These are the charges for exceeding the limit of the AU Bank Credit Card.

AU Bank Credit Card Other Fees & Charges

The AU Bank Credit Card charges and other fees of the AU Bank. Here is the list:

Credit Card Variant	Other Fees & Charges
Outstation Cheque Processing Charges	₹25
Currency Markup Charge Vetta	2.99%
Payment Return Charges	2% of the Total Amount Due or a Minimum of ₹ 500, whichever is higher, on return/failure of Credit Card outstanding payment (Cheque, ECS/NACH, Autopay).
Reward Point Redemption	A nominal fee of ₹99 + GST will be levied for each successful redemption.

This shows you the charges of the AU Bank Credit Card in detail.

Bonus Tip: Do you know? If you face any issues, you can contact the AU Customer Care Officer at 1800 1200 1200 or 1800 26 66677 (Toll-free numbers).

Conclusion

The AU Bank Credit Card charges help you utilise your credit card in a practical way, as knowing the charges lets you spend accordingly.

If you know about the charges, you can easily avoid extra penalties and enjoy your AU Bank Credit Card Features without any stress.

FAQs

Are fair Charges applied to the AU Bank Credit Card?
Yes, Fair Charges do apply to the AU Bank Credit Card.

What are the Charges for the Domestic rental transactions of the AU Bank Credit Card?

1% of transaction value, subject to a minimum of ₹99 per transaction.

What are the Xpress Loan charges of AU Bank?

Xpress Loan Processing Fees: 2% of the Loan amount. Xpress Loan Pre-closure Charges: 3% of the Principal Outstanding Balance.

What is the period of the billing statement for the AU Bank Credit Card?

Statements are sent monthly on a predetermined date. You can choose your preferred delivery method. Options include receiving an e-statement by SMS or email, or a physical statement by courier.

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