AU Small Finance Bank Credit Cards’ Fees & Charges

Each card variant offered by the bank is subject to certain fees and charges. Some of the typical AU Small Finance Bank credit card fees levied include:

• Charges for cash withdrawals

• Charges for foreign transactions

• Charges for late payments

A joining fee is a one-time payment used to opt for the services of a credit card. The bank charges a recurring annual fee, starting from the second year onwards. This fee must be paid at the end of each calendar year. However, certain cards may waive the annual fee when you meet a card-specific spending milestone. 

Disclaimer: The aforementioned fees are subject to change at the bank’s discretion.

Among the various types of AU Small Finance Bank credit card fees levied are the cash withdrawal charges. The bank levies these charges when you use your credit card to withdraw cash from ATMs. However, you can only withdraw amounts up to your card's specified withdrawal limit. 

The bank may charge interest on your total outstanding after the withdrawal. The interest is charged from the withdrawal date until you clear your dues.

Disclaimer: The aforementioned charges are applicable to certain cards based on the issuer’s discretion. Kindly check the bank’s website to get the list of AU Small Finance Bank credit card charges and fees.

The issuer applies charges on all foreign currency transactions. Check the table below to learn about the AU Small Finance Bank credit card forex charges. 

Note that these charges vary based on the card variant, as the bank does not charge forex mark-up fees for certain cards.

Disclaimer: The aforementioned charges are applicable to certain cards based on the issuer’s discretion. Kindly check the bank website to get the list of AU Small Finance Bank Credit Card fees and charges.

This bank provides you with a balance transfer facility. Using this option, you can carry forward the balance from your existing credit card to a new AU credit card. Doing so can help you save on interest rates if the issuer you are transferring to provides lower rates. 

Note that this reduced interest rate may only be applicable for a certain period. You can use this facility to clear your debt faster and reduce your financial stress. However, credit card balance transfers come with a charge. 

Disclaimer: The AU Small Finance Bank credit card charges and fees are subject to change at the bank’s discretion.

If you surpass your provided credit limit, the bank will levy certain additional charges to your card. Check the table to learn about the over-limit fee levied by AU Small Finance Bank. 

Disclaimer: The AU Small Finance Bank credit card charges and fees are subject to change at the bank’s discretion.

If you are unable to pay your bill on time the card issuer levies late payment penalties. The issuer will add your previous bill amount to this late payment fee.

Clear your dues in full in a timely manner to avoid late payment fees. This way, you can also avoid any additional interest charges on your outstanding balance. If you fail to pay the minimum amount due, the bank will levy late payment charges as per the following table: 

Disclaimer: The aforementioned charges are applicable to certain cards based on the issuer’s discretion. Kindly check the bank’s website to get the list of AU Small Finance Bank credit card charges and fees.

Apart from these fees and charges, AU Small Finance Bank credit cards often incur certain accompanying charges and fees. Study the following table to understand these additional charges that can help you choose the right card variant.

Disclaimer: The aforementioned charges are applicable to certain cards based on the issuer’s discretion. Kindly check the bank’s website to get the list of AU Small Finance Bank credit card charges & fees.