AU Bank Credit Card Bill Payments

Effective management of credit card payments is the way to stay healthy financially. It will ensure that all bills are paid on time and that no extra charges dawn on any unsettled amount. It also keeps your credit score intact. 

Now, AU Small Finance Bank offers a variety of AU Bank Credit Cards with numerous choices for paying off bills—available to both account holders and non-account holders. Within this broader context, we intend to cover some of the ways you can pay your AU Bank credit card bill payments. We will categorise these under online and offline channels.

Importance of Timely Credit Card Bill Payments

Prior to discussing the various methods for payment, let us understand the importance of timely credit card bill payments. For missing a payment or making a late payment, you will be levied with huge late fees and interest charges. 

More importantly, the act of making a late payment brings down your credit score considerably, which in turn impacts your ability to get loans or other credit products in the future. Keeping track of your credit card payments helps you retain financial stability and also ensures that you have a good credit history.

Online Payment Methods

1. AU 0101 App:

The AU 0101 App is a convenient tool for managing your AU Bank credit card bill payments.

Steps to Pay:

1. Log in to the AU 0101 App with your login details.
2. Now step into the ‘Credit Card’ section and select ‘Pay Bill.’
3. Choose the amount you want to pay.
4. Click ‘Proceed’ and fill in the OTP sent to your registered mobile number for verification.

Benefits: User-friendly interface, quick access to your account, and highly secure transaction system. It saves you from visiting a bank branch and enables you to manage payments from the comfort of your home.

2. AU 0101 NetBanking:

AU Bank customers can also use Internet banking to pay their credit card bills.

• Steps to Pay:
  1. Log on to AU 0101 NetBanking with your username and password.
  2. Click on the ‘Credit Card’ section and then select ‘Pay Bill.’
  3. Enter the amount you want to pay and proceed.
  4. Verify that with OTP.
• Benefits: NetBanking is a perfect solution for people who are comfortable banking online. Secure and quick, it gives you a channel of banking that eliminates the hassle of physically going to the bank.

3. AutoPay:

AutoPay is a smart way to simplify your credit card bill payments by automating the process.

Steps to Set Up:

1. Log in to the AU 0101 App or NetBanking. 
2. Enter ‘Credit Card’ and then select ‘Service Request.’ 
3. Tap on ‘Enable/Disable AutoPay’, toggle for enable. 
4. Choose whether you want to pay the total bill amount or the minimum amount due. 
5. Confirm your account details and enter the OTP for verification.

Benefits:  In AutoPay, a certain amount regarding your credit card dues will automatically get deducted from your bank account at the end of every statement cycle. You will never miss a payment; thus, no late fees will be charged, and a good credit score will be maintained.

4. UPI Apps:

Unified Payments Interface (UPI) apps offer a quick and easy way to pay your credit card bills.

Steps to Pay:

• Log in to any UPI app, say Google Pay, PhonePe, or Paytm.
• Tap ‘Pay to UPI ID.’
• Type the UPI ID in the format: AUCC.<Registered Mobile Number><Last 4 digits of Credit Card>@AUBANK. For instance, AUCC.99999999994444@AUBANK.
• Now, enter the amount you have to pay. Check the transaction using your UPI PIN.

Benefits: Most kinds of transactions are done through UPI applications, so they continue to be available for credit card bill payment purposes also. They are fast, secure, and easily available everywhere.

5. Cred App:

Cred is an app specifically designed for managing and paying credit card bills.

Steps to Pay:

• Download and install the Cred app on your mobile.
• Register using your mobile number and email ID.
• Verify the details using the OTP received by you.
• Log into your Cred account; add the details of your AU Bank credit card and select it under the ‘Cards’ section.
• Click on ‘Pay.’
• Select a payment option: net banking, debit card, mobile wallet, or UPI.
• Make the payment.

Features: Not only does Cred facilitate bill payments, but it also contains features such as reminders, rewards, and expense tracking. It is an all-in-one tool for managing multiple credit cards.

Offline Payment Methods

1. Cheque Deposit:

Cheque deposits remain a trusted method for many users.

• Steps to Pay:
  1. Deposit the cheque at least 2-4 days prior to the due date for the cheque to be processed on time. 
  2. In case of Other Bank Branches, issue the cheque payable to your 16-digit AU Bank Credit Card Number.
  3. Deposit the cheque in any other bank branch.
  4. Do remember to deposit the cheque at least 4 days prior to the due date.
• Other Bank Branches:
  1. Write a cheque payable to your 16-digit AU Bank Credit Card Number.
  2. Deposit the cheque at any other bank branch.
  3. Deposit the cheque at least 4 days before the due date.
• Reliability: Cheque deposits are a secure way to pay your credit card bill, although they require planning to ensure timely payment.

2. RuPay Debit Cards:

You can use your RuPay debit card to pay AU Bank credit card dues.

• Steps to Pay:
  1. Visit an AU Bank branch.
  2. Use your RuPay debit card to make the payment.
• Accessibility: This method is suitable for those who prefer in-person transactions and have a RuPay debit card.

3. Cash Payment:

Cash payments are another option for those who prefer direct transactions.

• Steps to Pay:
  1. Go to any branch of AU Small Finance Bank.
  2. Fill out one deposit slip with details on the credit card.
  3. Deposit the slip along with cash at the counter.
• Efficiency: Cash payment just takes one working day to process, and it is pretty reliable if the client needs to get immediate payment processing.

Conclusion:

AU Small Finance Bank offers its customers a diversified array of payment alternatives for paying off credit card bills. This makes the process flexible and comfortable for customers. Be it the fast, modern online ways through the AU 0101 App, NetBanking, or UPI apps, or traditional offline methods involving cheque and cash payments, AU Bank does it all for many preferences. Choose one method that best fits your lifestyle so that you never miss a payment, avoid a late fee, and keep a good credit score.

For the maintenance of your financial health, you will have to pay the credit card bills on time. You can apply several methods extended by AU Bank for the payment of credit card bills efficiently and remain on top of your finances. Be it the convenience of online or the mere familiarity of offline options, AU Bank has a solution for you. Give importance to the payment of your credit card bill and bring peace of mind by being financially stable.

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