How to Close an AU Bank Credit Card: Step-by-Step Guide

Key Takeaways
 

• Clear all outstanding dues and redeem reward points before closure.
   
• Contact customer care or use the AU 0101 app for closure.
   
• AU Bank processes card closure within seven working days.

Credit cards offer convenience but sometimes require closure decisions. Managing multiple cards can become overwhelming for many cardholders.

Paras had three credit cards but rarely used one. His AU Bank card collected annual fees without usage. He decided to close it to avoid unnecessary charges. However, Paras didn't know the proper closure process initially. He struggled with the steps and wasted valuable time.

This blog explains how to close your AU Bank card. You'll learn the complete process step by step. Follow these guidelines to ensure a smooth and hassle-free closure.

Steps to Close an AU Bank Credit Card

There are several steps to close an AU Bank credit card. These methods are mentioned below.

1. Contact AU Customer Care: The AU credit card customer care number connects you to support instantly. Call them to initiate your card closure request. The AU Bank customer care toll-free number (1800-1200-1200) is available 24/7. Customer care executives will guide you through the process. They will verify your identity with security questions. Inform them clearly about your decision to cancel. Request written confirmation of your cancellation request. They will initiate the cancellation process. Keep all reference numbers for future use. Note down the executive's name for future reference.

2. Send Written Request / Letter: Send a physical cancellation letter to AU Bank directly. Write to their Credit Card Division in your city. Mention your card details and reasons for closure clearly. Request AU bank credit card mandate cancellation in your letter. State your name, card number, and contact details. Keep a copy of the letter for records. Send it via registered post for tracking purposes. This creates a paper trail for your request. Include your signature at the bottom of the letter.

3. Through Net Banking / Mobile App: Many people wonder how to close an AU Bank credit card online. Here are the steps to do so. 

• Log in to your AU 0101 mobile app. 
• Navigate to the credit card section on the homepage. 
• Look for the card closure or cancellation option. 
• Follow the on-screen instructions to submit your request. 
• Upload any required documents if the system asks. 
• The online method offers quick and convenient processing. 
• Track your request status through the app regularly. 

You can also use the AU net banking platform. Access the credit card management portal on your desktop. Submit your cancellation request through the digital form. This saves time and provides instant acknowledgement.

Note: Before you close an AU bank credit card, pay all dues first. Check your latest credit card statement carefully. Ensure no pending payments remain on your account. Clear any outstanding charges, fees, or EMIs completely. This step is crucial for smooth cancellation. AU Bank will not process closure with pending balances. Pay everything before starting the cancellation process. Redeem all reward points before proceeding further. This ensures you don't lose valuable benefits accumulated.

What Happens After an AU Bank Credit Card Closure

After submitting how to close au bank credit card online request, wait patiently. AU Bank processes your closure within seven working days. This timeline applies only if all dues are cleared. The bank will not close accounts with pending balances. Settlement of all outstanding amounts is mandatory before closure. Any credit balance in your account gets transferred back. The bank sends it to your registered bank account. 

Customer notification is sent after the closure is completed. The au credit card customer care number helps track your closure status. You can call the AU bank customer care toll-free number 24x7 anytime. AU Bank updates the closure status with Credit Information Companies. This update happens within 30 days of account closure. Cut your physical card into four pieces after closure. Destroy the magnetic chip and hologram completely to prevent misuse.

Precautions Before Closing the AU Bank Credit Card

Before learning how to close an AU bank credit card, take precautions first. Here are important steps to follow before closure:

• Clear all outstanding balances on your credit card completely.
• This helps you avoid penalties and unwanted complications later.
• Redeem all reward points before closing your account permanently.
• Maximise your benefits from accumulated points before closure begins.
• Cancel any recurring payments linked to your card immediately.
• This prevents future deductions after your card gets closed.
• Review your transaction history for any fraudulent activities carefully.
• Address any unauthorised charges before closing your account completely.
• Avoid using your card shortly before initiating the closure process.
• This prevents additional charges or delays in processing time.
• Notify add-on cardholders about the impending closure in advance.
• Request au bank credit card mandate cancellation for recurring payments explicitly.
• Get written confirmation from AU Bank for closure proof.
• Safely dispose of the physical card after the closure completes.
• Shred or destroy the card to prevent misuse later.

Taking these precautions ensures a smooth and hassle-free closure process.

Conclusion

Your AU Bank credit card requires careful planning for closing. Understanding how to close au bank credit card online makes the process easier. Follow all necessary steps to ensure smooth card closure. Clear your dues and complete au bank credit card mandate cancellation properly. Contact the AU credit card customer care number for any assistance needed. 

The AU Bank customer care toll-free number 24x7 is always available. Take proper precautions to avoid complications during the closure process. Keep all documentation safe for future reference and records.

Bonus Tip: You can check your credit report after 30 days to verify closure status.

Bonus Tip: Enable transaction alerts after submitting your closure request to ensure no new charges are added accidentally during processing. You can also request a "No Dues Certificate" from AU Bank for added proof of successful closure. It is a helpful practice recommended for all credit card closures.

FAQs

1. How to close an AU Bank credit card online?

Log in to the AU 0101 app and submit a closure request.

2. How to close an AU Bank credit card permanently?

Understanding how to close au bank credit card permanently is simple. Contact customer care or send a written request.

3. What is the AU Bank credit card customer care number?

The au credit card customer care number provides assistance for closure queries.

4. Can I close my AU Bank credit card through the AU 0101 app?

Yes, submit your closure request digitally through the AU 0101 app.

5. What happens after I close my AU Bank credit card?

AU Bank processes closure within seven working days.

6. How to cancel automatic payments or mandates on an AU Bank credit card?

Request AU Bank credit card mandate cancellation and contact the AU Bank customer care toll-free number 24x7.

7. How many days does AU Bank take to close a credit card?

AU Bank takes seven working days to close your card.

8. Does closing an AU Bank credit card affect my credit score?

Yes. Closing any credit card may reduce your credit score slightly because it lowers your total credit limit and affects your credit utilisation ratio.

9. Can AU Bank charge annual fees after submitting a closure request?

No. As per RBI guidelines, banks cannot levy any charges after a customer submits a formal credit card closure request, provided there are no outstanding dues.

10. Is the AU Bank Chartered Accountants Metal Credit Card worth applying for?

Yes, a fellow Redditor got the CA-exclusive AU Bank Metal CC quickly, enjoyed premium packaging and quarterly lounge access. It is a solid LTF card with cool exclusivity perks for CAs.

11. Can the AU Bank LIT Credit Card’s reward features work as expected?

Many users report that if you wait for transaction settlement (about 6+ days) and meet spend conditions after activating reward/cashback features, the promised benefits usually credit successfully.

12. Will being removed as an Authorized User (AU) from someone else’s credit card hurt my credit or count as a new account on future applications?

No, if you’ve been removed as an AU, that account generally disappears from your credit report and doesn’t count as a new account or impact your credit profile going forward.

13. What’s the best way to use a credit card wisely?

Use your card responsibly by staying within your budget, paying your bill in full and on time each month to avoid interest, keeping your credit utilization low (ideally below ~30%), and making the most of rewards and benefits without overspending.

14. Can I get a credit card for my wife so she can “inherit” part of my credit history?

Yes, if you add your wife as an authorized user or open a joint credit card with her, the card’s payment history can be reported on her credit file and help build her credit, even though your overall credit histories remain separate individuals.

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LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.