Revision of AU Small Finance Bank Credit Cards Usage Terms & Conditions

Below changes will be applicable on your AU Credit Card w.e.f 1st April’23

1. Annualized Percentage Rate: APR of 3.59% per month (43.08% per annum) will be applicable
on AU Altura, AU LIT, Altura Plus and AU Xcite Credit Card statement generated after 1st
April’23

2. Rent:
• 1% processing fees will be applicable from 2nd rental transaction onwards in a calendar
month. On 1st rental transaction, processing fee will not be charged.

• Customer can now use 100% of their credit limit on rent category subjected to a
condition that:

i. Up to 50% of credit limit can be utilized per rent transaction for AU Altura,
AU Altura Plus, AU LIT & AU Xcite Credit Card.

ii. Up to 30% of credit limit can be utilized per rent transaction for AU Vetta,
AU Zenith, AU Xcite Ace, AU Business Cashback & AU Xcite Ultra Credit Card.

3. Instant EMI: AU Credit Cardholders will be levied Rs.199 + GST as Processing Fees on EMI
transactions done at any Point-of-Sale unit or through Payment Gateway.

4. AU Zenith Credit Cardholder can avail a maximum of Rs. 1,000/- as Fuel Surcharge Waiver in
a statement cycle.

5. Reward Point earn rate on special categories: Following Reward Points structure will be
applicable on below mentioned categories.

Reward Points earned per Rs. 100 spend

Merchant Xcite/ Xcite
Merchant Category Code Vetta
Categories Ultra/ Altura Plus
Rent 6513 1 RPs 1 RPs
Utility & Telecom 4812, 4814, 4899, 4900 4 RPs 1 RPs
Education & 8211, 8220, 8241, 8244, 8249, 8299, 9211, 9222,
1 RPs 1 RPs
Government 9223, 9311, 9399, 9402, 9405, 9950
Insurance 5960 & 6300 1 RPs 1 RPs
 6. AU Altura Credit Card: Rent (MCC 6513) & Wallet (MCC 6540) transactions will not be eligible
for product feature Cashback.

Please note: For above mentioned merchant categories, MCC codes are decided/provided by VISA or
network provider.

For queries,

• Write to us on: creditcard.support@aubank.in or creditcard.priority@aubank.in (for Vetta,

Xcite Ultra & Zenith cardholders)

• Call us on toll free number 1800 1200 1500

Warm regards,

AU Small Finance Bank