AU Bank Credit Card Kaise Apply Kare? Charges, Rewards & Cashback Full Guide
 |
| AU Bank Credit Card Kaise Apply Kare Charges, Rewards & Cashback Full Guide |
Aaj ke time me credit card sirf luxury nahi balki ek smart financial tool ban chuka hai. Agar aap AU Bank Credit Card lene ka plan kar rahe ho, to ye guide aapke liye perfect hai. Is article me hum detail me samjhenge AU Bank Credit Card ka apply process, eligibility, documents, charges, rewards aur cashback system – wo bhi simple Hinglish me.
AU Bank Credit Card Kya Hai?
AU Small Finance Bank ka credit card ek secure aur feature-rich card hota hai jo aapko shopping, bill payment aur online transactions me rewards aur cashback deta hai. Ye cards lifestyle, travel aur basic users sabke liye available hote hain.
- Cashback & Reward Points
- EMI facility on big purchases
- Fuel surcharge waiver
- Airport lounge access (select cards)
- Online & offline acceptance
AU Bank Credit Card Apply Kaise Kare? (Online Process)
Aap AU Bank Credit Card online aur offline dono tareeke se apply kar sakte ho. Online process sabse fast aur easy hai.
Online Apply Karne Ka Step-by-Step Process:
- AU Bank ki official website par jaaye
- Credit Card section open kare
- Apna preferred credit card select kare
- “Apply Now” par click kare
- Mobile number aur basic details bhare
- OTP verify kare
- PAN card aur income details submit kare
- KYC complete kare
Verification ke baad agar aap eligible hote ho to card approval mil jata hai aur 7–10 working days me card deliver ho jata hai.
Required Documents (Important Documents)
- PAN Card
- Aadhaar Card / Voter ID / Passport
- Address Proof
- Income Proof (Salary Slip / ITR)
- Bank Statement (last 3–6 months)
Self-employed users ke liye GST certificate ya business proof bhi maanga ja sakta hai.
Eligibility Criteria (Kaun Apply Kar Sakta Hai?)
- Age: 21 se 60 saal ke beech
- Indian resident hona chahiye
- Minimum monthly income: ₹15,000 – ₹25,000
- CIBIL score: 700+ recommended
- Stable job ya business honi chahiye
Low CIBIL score par secured credit card option mil sakta hai.
AU Bank Credit Card Charges & Fees
- Joining Fee: ₹0 – ₹999 (card type par depend)
- Annual Fee: ₹0 – ₹1999
- Interest Rate: 2.5% – 3.6% per month
- Late Payment Fee: ₹500 – ₹1200
- Cash Withdrawal Charge: 2.5%
Bahut se AU Bank credit cards first year free bhi milte hain.
Rewards & Cashback System
- 1 Reward Point = ₹0.25 – ₹0.50 value
- Shopping par 5X reward points
- Fuel surcharge waiver 1%
- Movie tickets par discount
- Dining & travel cashback
Reward points ko vouchers, cashback aur products me redeem kiya ja sakta hai.
AU Bank Credit Card Ke Fayde
- Fast approval process
- Good cashback offers
- Low annual charges
- EMI conversion facility
- Online control & tracking
AU Bank Credit Card Ke Nuksaan
- High interest rate agar bill late hua
- Low CIBIL walon ke liye approval mushkil
- Cash withdrawal par heavy charge
FAQs – AU Bank Credit Card
Q1. AU Bank Credit Card approval kitne din me hota hai?
Normally 3–7 working days me approval mil jata hai aur 7–10 din me card deliver hota hai.
Q2. Kya AU Bank lifetime free credit card deta hai?
Haan, kuch variants lifetime free ya first-year free milte hain.
Q3. Minimum income kitni honi chahiye?
Minimum ₹15,000 per month salary recommended hoti hai.
Q4. Low CIBIL score par card mil sakta hai?
Low score par secured credit card option mil sakta hai FD ke against.
Q5. Reward points kaise redeem kare?
AU Bank app ya net banking se reward catalogue me redeem kar sakte ho.
More Information Check Out More Post
Conclusion
Agar aap ek reliable aur feature-rich credit card chahte ho to AU Bank Credit Card ek achha option hai. Proper eligibility aur sahi usage ke saath aap cashback, rewards aur financial flexibility ka fayda utha sakte ho. Apply karne se pehle charges aur benefits compare zarur kare.
0 Comments