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Are you eagerly waiting for your AU Bank Credit Card application to be approved? We know how exciting it is to apply for a credit card and the anticipation that follows. Luckily, AU Bank makes it easy to track your credit card application status, whether you prefer checking online from the comfort of your home or offline through a quick visit or phone call.
Let us go through the step-by-step process of checking your AU Bank Credit Card application status. Whether you applied online or offline, this article will help you find the information you need. Also learn about the different status messages you might encounter and what they mean.
AU Bank Credit Card Application Status – Check Online or Offline
Credit card applications generally take about 7-10 days to be processed. It helps to track your application status so that if there are any issues, you can take immediate action to rectify them.
AU Bank offers a long list of credit cards for every requirement. Be it shopping, lifestyle, travel, or fuel – there is an AU Bank credit card for you. Here is a complete list of AU Bank Credit Cards – Compare Features & Apply Online Today!Once you have applied, AU Bank offers simple ways to check your credit card application status.
How to Check My AU Bank Credit Card Application Status Online?
AU Bank makes it simple to track your credit card application status directly through their website. This process is quick and user-friendly, allowing you to track your application anytime, anywhere. Be sure to double-check the details you enter to ensure accurate results.1. Using the AU Bank Website
- Go to the official AU Bank website and navigate to the Credit Cards section.
- At the bottom of the page, you will see a ribbon - "Already applied? Click here to check status". Click on it.
- On the application status page, enter the following details:
- Lead ID: Provided when you submit your application.
- PAN Number: Your registered PAN.
- Click "Search" to view the status of your application instantly.
2. Email and SMS Updates
AU Bank also sends status updates via SMS, keeping you informed about the progress of your application.
- Approval Notification: You’ll receive an SMS once your credit card application is approved.
- Dispatch Notification: Another SMS is sent when your card is dispatched, along with delivery details.
- Delivery Timeline: According to AU Bank’s chatbot, approved cards are typically delivered within 7 working days.
How to Check My AU Bank Credit Card Application Status Offline?
- Customer Service Call: Dial AU Bank's customer service helpline at 1800 1200 1500. Provide your Lead ID and other relevant information to get your application status.
- Visit a Branch: Go to the nearest AU Bank branch and speak with a customer service representative. They can assist you in checking your application status.
- Write an Email: You can email AU Bank Credit Card customer support at creditcard.support@aubank.in or creditcard.priority@aubank.in (for Vetta, Zenith & Zenith+ customers) to get the status update on your credit card application.
Understanding Different Application Status Messages
When you check your application status, you might encounter the following messages. Understanding these statuses helps you know where your application stands and if any action is needed from your side.
- In Progress: Your application is under review. The bank is verifying your details and assessing your eligibility.
- Approved: Congratulations! Your application has been approved. Your credit card will be dispatched soon.
- Dispatched: Your credit card has been sent to your registered address. Notification will be sent via SMS & email with the dispatch details and expected delivery date.
- On Hold: There are discrepancies or missing documents in your application. Contact the bank for further information.
- Rejected: Unfortunately, your application was not approved. Reasons could include inadequate credit history or not meeting income criteria.
What are the Options Available to Apply for an AU Bank Credit Card?
If you haven't applied yet and are considering getting an AU Bank Credit Card, here's how you can proceed:
1. Research Card Options: Visit AU Bank's official website to explore the various credit card options available.
2. Check Eligibility: Ensure you meet the eligibility criteria for the card you choose.
3. Gather Necessary Documents: Prepare documents such as proof of identity, address, and income.
4. You can apply for a credit card online through AU Bank’s official website, the AU Bank 0101 mobile app, or offline at your nearest branch.
5. Await Approval: After submitting your application, the bank will take around 7-10 days to process it. You will receive communication via email and sms once the credit card is approved.
Charges on Revolving Credit | Rate of Interest (% p.a.) |
All AU Retail Credit Cards (Except Zenith+ & ABC BIZ) | 3.59% per month (43.08% per annum) |
Zenith+ | 1.99% per month (23.88% annually) |
All AU Retail Credit Cards Except Zenith+ | 3.75% per month (45% per annum) |
Cash Advance Charges | 2.5% of amount withdrawn, subject to a minimum of ₹500 (Zero Cash Withdrawal Fees for Zenith+) |
Overlimit Charges | 2.5% of overlimit amount, subject to a minimum of ₹500 |
Payment Return Charges | 2% of total amount due or ₹500 (On Cheque, ECS/ NACH, Autopay Return) Whichever is higher |
Cash Processing Fee | NIL, i.e., no charges for Credit Card Bill Payment through Cash Deposit mode |
Reward Points Redemption Fee | ₹99 + GST |
EMI Conversion Charges | Xpress EMI: 1% of the Amount being converted to EMI (minimum of ₹99 + GST) |
Instant EMI | Processing fee of ₹199 + GST on every EMI transaction done at POS unit or through Payment Gateway |
Reissue of Lost, Stolen or Damaged Card | ₹100 (₹2500 + Taxes for the Zenith+ Credit Card) |
Late Payment Charges | Statement Balance |
Less than or equal to ₹100 | NIL |
Above ₹100 and up to ₹500 | ₹100 |
Above ₹500 and up to ₹5,000 | ₹600 |
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 | ₹1,100 |
Above ₹50,000 | ₹1,300 |
AU Bank Credit Card Status FAQs
1. How can I check my AU Bank Credit Card application status?
You can check your application status online via the AU Bank website or offline by visiting a branch or calling customer care.
2. What details do I need to check my application status online?
You’ll need your Lead ID (application reference number) and your registered PAN number.
3. How long does it take to receive the credit card after approval?
Once approved, your AU Bank Credit Card is typically delivered within 7 working days.
4. What should I do if my application status shows "On Hold"?
Contact AU Bank’s customer care or visit the nearest branch to understand the reason for hold and resolve the issue.
5. Can I reapply if my application is rejected?
Yes, you can reapply after addressing the reason for rejection, such as improving your credit score or providing complete documentation.
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