Secure, Convenient, Rewarding – AU SwipeUp Credit Card Has It All

Introducing

Unlock a world of convenience and financial freedom with the AU SwipeUp Credit Card. Designed to simplify your life and enhance your purchasing power, our card offers a wealth of benefits that cater to your diverse needs. From effortless online shopping to in-store purchases and travel perks, the AU SwipeUp Credit Card is your trusted companion for every transaction. Join us on a journey of financial ease and security as we redefine the way you manage your finances. Swipe up to a brighter, more convenient future with AU SwipeUp Credit Card!

The AU SwipeUp credit card is a platform that allows you to upgrade your existing credit card from any other bank to an AU Bank credit card. It offers you many benefits such as:

• Higher reward points: You can earn more points for every rupee you spend on your AU Bank credit card and redeem them for a variety of rewards such as vouchers, merchandise, travel, etc.
• Exclusive cashback: You can get cashback on various categories such as online shopping, dining, entertainment, etc. depending on the type of AU Bank credit card you choose.
• Higher credit limit: You can get a higher credit limit on your AU Bank credit card based on your eligibility and credit history. This can help you manage your expenses better and improve your credit score.
• Lifetime free card: You do not have to pay any joining or annual fee for your AU Bank credit card. It is a lifetime free card that does not have any hidden charges or fees.
• Biodegradable card: Your AU Bank credit card is made of biodegradable material that is eco-friendly and reduces plastic waste. You can also opt for a digital card that can be accessed through your mobile phone or smart watch.
• Value-added features: Your AU Bank credit card comes with many value-added features such as complimentary airport lounge access, fuel surcharge waiver, zero liability protection, etc.

• Upgrade any Existing Credit Card from any Bank to an AU Credit Card
• Lifetime free credit card with no joining or annual fee
• Get Higher Reward Points, Exciting Cashbacks & Increased Credit Limit
• Enjoy Special Value Added Features that suit your lifestyle & spendings
• You Earn Flat Rs 1500 Profit on Successful Card Disbursal

FEES & LIST OF ALL CHARGES

• Lifetime Free Card
• No Joining / Renewal / Annual Fees
• Only applicable for existing credit card holders of other banks

Pros and Cons of AU SwipeUp credit card

The AU SwipeUp credit card platform is a service that allows you to upgrade your existing credit card from any other bank to an AU Bank credit card. It offers you many benefits such as higher reward points, exclusive cashbacks, higher credit limit, lifetime free card, biodegradable card, and value-added features. However, it also has some drawbacks that you should be aware of before applying. Here are some of the pros and cons of the AU SwipeUp credit card platform:

Pros:

• You can get a higher credit limit on your AU Bank credit card based on your eligibility and credit history. This can help you manage your expenses better and improve your credit score.
• You can earn more points for every rupee you spend on your AU Bank credit card and redeem them for a variety of rewards such as vouchers, merchandise, travel, etc.
• You can get cashback on various categories such as online shopping, dining, entertainment, etc. depending on the type of AU Bank credit card you choose.
• You do not have to pay any joining or annual fee for your AU Bank credit card. It is a lifetime free card that does not have any hidden charges or fees.
• Your AU Bank credit card is made of biodegradable material that is eco-friendly and reduces plastic waste. You can also opt for a digital card that can be accessed through your mobile phone or smart watch.
• Your AU Bank credit card comes with many value-added features such as complimentary airport lounge access, fuel surcharge waiver, zero liability protection, etc.

Cons:

• The interest rate for AU Bank credit cards varies depending on the type of card and the customer’s credit history. It can range from 1.99% to 3.49% per month, which is equivalent to 24.71% to 48.30% per annum. This is higher than the average interest rate for credit cards in India, which is around 18% per annum.
• The AU Bank credit cards are only valid for domestic transactions and cannot be used for international purchases or payments. This can limit your options if you travel abroad frequently or shop online from foreign websites.
• The AU Bank credit cards are not widely accepted by all merchants and service providers in India. This can cause inconvenience if you encounter a situation where your card is not accepted or compatible with the payment system.
• The AU Bank credit cards are subject to periodic review and change by the bank based on market conditions and the bank’s discretion. This means that the features and benefits of your card may change without prior notice or consent from you.

What are the eligibility criteria for AU SwipeUp credit card?

To apply for the AU SwipeUp credit card platform, you need to have an existing credit card from any other bank in India. You also need to be above 18 years of age and have a valid mobile number and email address. You can check the details of the SwipeUp platform on the AU Small Finance Bank website or the SwipeUp Program Terms and Conditions document. You can also compare the features and benefits of your current credit card with the AU Bank credit card variants and choose the one that suits your needs best.

How can I check my eligibility for an AU Bank credit card?

To check your eligibility for an AU Bank credit card, you can use the AU Bank credit card eligibility checker tool on the AU Small Finance Bank website. This tool will ask you to enter the first 6 digits of your existing credit card from any other bank and select the name of the credit card variant. Then, it will compare your card with the SwipeUp platform recommendation and show you the upgraded AU Bank credit card that you are eligible for. You can also see the features and benefits of the AU Bank credit card variants and choose the one that suits your needs best.

What are the documents required for AU SwipeUp credit card?

To apply for the AU SwipeUp credit card platform, you need to provide the following documents along with your application form1:

• ID Proof: You need to submit a copy of your Aadhar Card, PAN Card, Driver’s License, Passport, Voter ID, or any other valid identity proof.

• Address Proof: You need to submit a copy of your Aadhar Card, Rent Agreement, Ration Card, Passport, Latest Utility Bills, or any other valid address proof.

• Income Proof: You need to submit a copy of your latest 2 months’ salary slips and the bank statements of the account where your salary is credited. If you are self-employed, you need to submit a copy of your Income Tax Returns (ITR) of last two years and the bank statements of your business account.

You can apply for the AU SwipeUp credit card platform online by visiting the SwipeUp Credit Card Upgrade Platform website or the Credit Card Online portal. You can also apply offline by visiting the nearest AU Small Finance Bank branch or calling the AU Bank credit card customer care team,

How can I apply for an AU Bank credit card offline?

To apply for an AU Bank credit card offline, you have two options:

• You can visit the nearest AU Small Finance Bank branch and share your requirements with the credit card representative. You can then fill in the credit card application form and submit it to the bank. Your card will be dispatched within days.

• You can call the AU Bank credit card customer care team at 1800 1200 1500 (toll-free) or 0141-7141100 / 0141-4455000 (non-toll free) and request for an offline application. You will need to provide your personal and financial details and the bank will verify your eligibility. You will then receive a confirmation SMS and email with your application reference number.

What is the credit limit for AU SwipeUp credit card?

The credit limit for AU SwipeUp credit card is not fixed, but depends on the type of card and the customer’s eligibility and credit history. According to the AU Small Finance Bank website, the credit limit for AU SwipeUp credit card can be up to 2X higher than the current credit card from any other bank1. The credit limit is the maximum amount that you can spend on your credit card without paying any interest or penalty. The credit limit is also subject to periodic review and change by the bank based on your usage and repayment behavior.

To check your credit limit for AU SwipeUp credit card, you can use the AU Bank credit card eligibility checker tool on the AU Small Finance Bank website. This tool will ask you to enter the first 6 digits of your existing credit card from any other bank and select the name of the credit card variant. Then, it will compare your card with the SwipeUp platform recommendation and show you the upgraded AU Bank credit card that you are eligible for. You can also see the features and benefits of the AU Bank credit card variants and choose the one that suits your needs best.

Alternatively, you can also visit the nearest AU Small Finance Bank branch or call the AU Bank credit card customer care team at 1800 1200 1500 (toll-free) or 0141-7141100 / 0141-4455000 (non-toll free) and request for your credit limit information.

What is the interest rate for AU SwipeUp credit card?

The interest rate for AU SwipeUp credit card ranges from 1.99% to 3.49% per month, which is equivalent to 24.71% to 48.30% per annum. The interest rate is calculated on the outstanding balance of the credit card and is added to the total amount due every month. The interest rate is also different for different types of transactions such as purchases, cash advances, balance transfers, etc.

What is the credit score required for AU SwipeUp credit card?

The credit score required for AU SwipeUp credit card depends on the type of card and the applicant’s income and credit history. Ideally, the minimum credit score for credit cards in Australia is above 622. However, to secure fast approval for the AU Bank credit cards, the applicant must have a CIBIL score of 750 or higher. The CIBIL score is a three-digit number that reflects the creditworthiness of an individual based on their past and present credit behavior. The higher the CIBIL score, the better the chances of getting approved for a credit card.

What are the  fees and charges of AU SwipeUp credit card?

The fees and charges of AU SwipeUp credit card are as follows:

• Joining fee and annual fee: There is no joining fee or annual fee for the AU SwipeUp credit card. It is a lifetime free card that does not have any hidden charges or fees.

• Cash advance fee: The cash advance fee is 2.5% of the amount withdrawn, subject to a minimum of Rs. 100. The cash advance limit is up to 40% of the credit limit depending on the card variant.

• Interest rate: The interest rate varies depending on the type of card and the customer’s credit history. It can range from 1.99% to 3.49% per month, which is equivalent to 24.71% to 48.30% per annum. The interest rate is calculated on the outstanding balance of the credit card and is added to the total amount due every month.

• Late payment fee: The late payment fee depends on the total amount due or statement balance of the credit card bill. It can range from Rs. 100 to Rs. 1,100 depending on the bill amount. The late payment fee is debited monthly if the amount that is due for payment is not paid on or before its due date, and if the balance of the account is Rs. 50 or more at the time the fee is debited.

• Overlimit fee: The overlimit fee is 2.5% of the overlimit amount, subject to a minimum of Rs. 500. The overlimit fee is charged when the total outstanding balance exceeds the credit limit assigned by the bank.

• Service charges: There are various service charges levied for transactions such as fuel surcharge, railway ticket purchase fee, foreign currency markup fee, etc. depending on the type of transaction and the card variant1. Some of these charges may be refunded or waived off for certain card variants as per the bank’s terms and conditions.

What is the late payment fee for AU SwipeUp credit card?

The late payment fee for AU SwipeUp credit card depends on the total amount due or statement balance of the credit card bill. According to the AU CREDIT CARD – KEY FACT STATEMENT, the late payment fee is as follows:

• Less than or equal to ₹ 100: Nil
• Above ₹ 100 and up to ₹ 500: ₹ 100
• Above ₹ 500 and up to ₹ 5,000: ₹ 500
• 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: ₹ 900
• Above ₹ 50,000: ₹ 1,100

The late payment fee is debited monthly if the amount that is due for payment is not paid on or before its due date, and if the balance of the account is ₹ 50 or more at the time the fee is debited. The late payment fee is also subject to GST.

To avoid paying late payment fees, you should always pay the full amount due by the due date. You can use various online methods to pay your AU Bank credit card bill such as Bharat Bill Payment System (BBPS), AU Bank App or Net Banking, BillDesk, or NEFT. You can also enable or disable the auto-pay feature to pay your bill automatically every month.

How can I pay my AU Bank credit card bill online?

There are several ways you can pay your AU Bank credit card bill online. Here are some of the methods you can use:

Bharat Bill Payment System (BBPS): You can use the BBPS portal or app to pay your AU Bank credit card bill. You need to register your credit card as a biller and enter the details of the bill such as the amount, the biller ID, and the due date. You can then choose your preferred payment mode such as net banking, debit card, UPI, etc. and complete the transaction1.

AU Bank App or Net Banking: You can log into the AU Bank app or net banking portal with your username and password and select ‘Bill Pay’. You can then choose your credit card bill and enter the amount you want to pay. You can also enable or disable the auto-pay feature to pay your bill automatically every month2.

BillDesk: You can visit the BillDesk website and provide your AU Bank credit card payment details such as the card number, the email address, the mobile number, and the payment amount. You can then choose your preferred bank account and complete the payment3.

NEFT: You can use the NEFT facility of any other bank to pay your AU Bank credit card bill. You need to add your credit card as a beneficiary with the following details:

• Beneficiary Name: Name as on credit card
• Beneficiary Account Number: 16-digit credit card number
• IFSC Code: AUBL0000001
• Bank Name: AU Small Finance Bank
• Branch Name: Credit Card Operations
• You can then enter the amount you want to pay and confirm the transaction.

Conclusion

The AU SwipeUp Credit Card is your gateway to financial ease and convenience. With a range of benefits, seamless transactions, and secure features, it’s the ideal choice for those seeking a smart and rewarding credit card solution. Whether you’re looking to maximize savings, access exclusive rewards, or simply simplify your financial life, AU SwipeUp has you covered. Don’t miss out on the opportunity to upgrade your financial lifestyle—apply for the AU SwipeUp Credit Card today and swipe your way to a brighter, more convenient future.

Frequently Asked Questions (FAQs)

1. What is the AU SwipeUp Credit Card?

The AU SwipeUp Credit Card is a financial product that allows cardholders to make purchases on credit, providing a convenient and secure way to pay for goods and services.

2. How can I apply for an AU SwipeUp Credit Card?

You can apply for an AU SwipeUp Credit Card by visiting our official website or contacting our customer service. The application process typically involves providing personal and financial information.

3. What are the benefits of the AU SwipeUp Credit Card?

The AU SwipeUp Credit Card offers a range of benefits, including rewards programs, cashback offers, travel perks, and enhanced security features. Specific benefits may vary depending on the card type and issuer.

4. Is there an annual fee for the AU SwipeUp Credit Card?

 Annual fees can vary based on the card type and issuer. Some cards may have no annual fees, while others may have a fee that is waived for the first year or based on certain spending thresholds.

5. How does the rewards program work?

The rewards program allows cardholders to earn points or cashback on eligible purchases. These rewards can typically be redeemed for travel, merchandise, gift cards, or statement credits, depending on the card issuer’s terms.

6. What security features does the AU SwipeUp Credit Card offer?

The AU SwipeUp Credit Card often includes security features such as EMV chip technology, fraud protection, and the ability to set spending limits or receive transaction alerts, providing peace of mind for cardholders.

7.Can I manage my AU SwipeUp Credit Card account online?

Yes, most issuers provide online account management tools that allow you to check your balance, view transactions, make payments, and set up account alerts.

8. How does the interest rate work on the AU SwipeUp Credit Card?

The interest rate, also known as the Annual Percentage Rate (APR), is the cost of borrowing money on the card. It can vary depending on the card’s terms and your creditworthiness. Cardholders who carry a balance from month to month will incur interest charges.

9. Are there any foreign transaction fees for using the AU SwipeUp Credit Card abroad?

Foreign transaction fees may apply when using your card for purchases in foreign currencies or outside your home country. Check with your card issuer for specific fee details.

10 .What should I do if my AU SwipeUp Credit Card is lost or stolen?

If your card is lost or stolen, contact your card issuer’s customer service immediately to report it. Most issuers provide 24/7 customer support to assist with such situations and prevent unauthorized use of your card.

Please note that the answers provided here are general in nature, and the specific terms and conditions of the AU SwipeUp Credit Card may vary depending on the issuer and card type. It’s essential to review the cardholder agreement and terms and conditions provided by the issuer for detailed information.