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Learn how to conveniently use your debit card to pay your AU Small Finance Bank Credit Card bills and explore the advantages of opting for debit card payments.
AU Small Finance Bank offers online and offline modes for credit card bill payments for your convenience. One of the most popular options among them is using a debit card.
You can pay your bill with the help of your debit card through mobile banking apps, net banking, and auto-debit, among other methods. It is essential to know how to carry out payments through these methods to find the best option for you.
Paying your credit card bill before the due date is essential to maintain a strong credit profile and avoid penalties. You can pay the bill using debit cards of other banks via the following ways:
Through the ‘AU 0101: Savings, Credit, UPI’ Mobile App
Via the AU 0101 NetBanking
Through the AutoPay Facility
Via cash
Through cheque
Most people prefer online payments over offline methods because they are quicker and more convenient. To make your AU Small Finance Bank Credit Card payment through a debit card online, use any of these methods:
Via the ‘AU 0101: Savings, Credit, UPI’ Mobile App
Install the app on your device and login
Go to the ‘Credit Card’ section and tap on ‘Pay Bill’
Click on ‘Redeem,’ enter the amount, and tap ‘Proceed’
Select your bank account details and make the payment
Enter the One-time Password (OTP) sent to your mobile number to confirm the transaction
Through the AU 0101 NetBanking
Log in to AU 0101 NetBanking portal
Open the ‘Credit Card’ section and select ‘Pay Bill’
Click ‘Redeem,’ enter the amount, and tap ‘Proceed’
Choose your bank account and click on ‘Next’
Enter the OTP sent to your phone to complete the payment
Through the AutoPay Facility
Log in to the mobile app or NetBanking using your username and password
Choose 'Credit Card' from the options and tap on 'Service Request'
Select 'Enable/Disable AutoPay' and toggle the switch to enable it
Choose either the minimum due amount or the total bill amount, then click on 'Proceed'
Select your account and click on 'Confirm'
Enter the OTP sent to your registered mobile number to verify
If you prefer offline modes, you can visit the bank and pay via cash or cheque. Here’s how the process will be:
Through Cash at an AU Small Finance Bank Branch
Withdraw the amount you need to pay from your debit card through an ATM or from the bank branch
Visit the nearest AU Small Finance Bank branch
Fill out the deposit slip with your credit card details
Submit it along with the cash at the counter
The payment will be processed within one working day
Through Cheque
Visit your nearest AU Small Finance Bank branch
Under the Payee Name, write your 16-digit AU Credit Card Number
Enter the billing amount you need to pay
Deposit the cheque at the branch at least two days before the due date
Making payments online through debit cards or savings accounts is much safer than carrying cash or a cheque to the branch. Your card is PIN-protected to make sure only you can access your account.
You can pay your credit card bill anytime, anywhere, without visiting a bank on a working day.
If you choose the online method, you do not even have to visit any ATM. All you need to do is choose a debit card as your payment method while paying the bill.
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AU Small Finance Bank has an AutoPay facility that will help you to pay on time with your debit card.
This way, you do not have to worry about late payment charges, which can add up if you miss multiple payments.
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Timely payments boost your credit score. A good credit score will make it easier to get loans or credit cards at better interest rates and terms.
Yes, you can carry out AU Small Finance Bank Credit Card bill payment through other banks’ debit cards. Make sure you enter the debit card details accurately while making the payment via the mobile app or the net banking portal.
For the offline option, you can withdraw cash from your debit card and visit your nearest bank branch to pay it via cash. You can also choose to pay via a cheque.
Usually, ATMs enable transfer of money instantly from your savings or current account to your credit card account when you make a payment.
You will receive instant payment confirmation through SMS or email to your registered mobile number after the successful completion of the transaction. You can also confirm the bill payment via the mobile app or the net banking portal.
You can pay your AU Small Finance Bank Credit Card bill using other bank accounts via NEFT and IMPS. You can also submit cheque drawn on your savings account from another bank at an AU Small Finance Bank branch.
Paying your credit card bill online can be secure. Banks and financial institutions use various security measures to protect your information, such as:
OTP confirmation for added protection
Tokenisation to replace sensitive card information with unique identifiers
Fraud detection systems to monitor and flag suspicious activity
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