AU Credit Card Add-on condition

[googley]

AU Bank has found a new way of trapping customer's money now. In case anyone has applied for a AU Zenith+ or any other credit card from the bank and want to get an add-on for any of your family members you would now need to create a savings account (customer ID) for that relation with AU Bank without which the add-on credit card would not be issued. The reason behind this silly logic is to validate the the add-on member is related to the primary card hold which does not make sense to me.

This is not mentioned anywhere in their card T&C.

It basically means that you have to lock-in the AMB amount of about 10K for each add-on member with AU Bank. Quite disappointing TBH.

I am not sure if such practices are even encouraged by RBI.

 

[helloworld]

Both the primary and to be add on hai customer IDs, how to get it done online?

login, apply addon, input customer id and follow instructions..

 

[Raghav2006Raghav2006 is verified member.]

login, apply addon, input customer id and follow instructions..

On netbanking or app?

Also I have another issue today, I had a bill of 6k something on my hdfc cc due today out of which 19rs is still due, now on unipay it says pay minimum 100 but due is only 19. what should I do to pay off this amt.
And if I don't would it have any negative impact on my profile even slightly, as I've always paid 100% due on all cards always and this is going to be first time.

 

[helloworld]

On netbanking or app?

Also I have another issue today, I had a bill of 6k something on my hdfc cc due today out of which 19rs is still due, now on unipay it says pay minimum 100 but due is only 19. what should I do to pay off this amt.
And if I don't would it have any negative impact on my profile even slightly, as I've always paid 100% due on all cards always and this is going to be first time.

there is NEFT, direct netbanking, billdesk various other options present to pay bill <100 for any bank. Do check credit card statement and/or bank website for these options.

Unipay is not sponsered by any bank, and if you wait then you'll have to pay penalty.

Regalia Post in thread 'HDFC cibil issue'

Dec 5, 2024

I don't have HDFC account 55rs amount is not taking when I tried to pay through Paytm and other apps so paid extra but still it refunded back now they messed up my cibil score.some where I headed below 100 rs there is no issue any mail id to contact HDFC other than customer care
@TechnoFino

In every month statement mail has this



which takes you here...

• helloworld

 

[Raghav2006Raghav2006 is verified member.]

there is NEFT, direct netbanking, billdesk various other options present to pay bill <100 for any bank. Do check credit card statement and/or bank website for these options.

Unipay is not sponsered by any bank, and if you wait then you'll have to pay penalty.

Regalia Post in thread 'HDFC cibil issue'

Dec 5, 2024

I don't have HDFC account 55rs amount is not taking when I tried to pay through Paytm and other apps so paid extra but still it refunded back now they messed up my cibil score.some where I headed below 100 rs there is no issue any mail id to contact HDFC other than customer care
@TechnoFino

In every month statement mail has this



which takes you here...

• helloworld

Understood, will try to pay, else should I pay 100 using cred?
I have unbilled trnx north of several thousand allready.

 

[helloworld]

Understood, will try to pay, else should I pay 100 using cred?
I have unbilled trnx north of several thousand allready.

why still worrying about cred or unipay etc. pay directly for low amounts. not alwyas about debit card rewards.

 

[Raghav2006Raghav2006 is verified member.]

why still worrying about cred or unipay etc. pay directly for low amounts. not alwyas about debit card rewards.

I tried on hdfc my cards website, it told to download payzapp and trnx there is failing too.

 

[Raghav2006Raghav2006 is verified member.]

why still worrying about cred or unipay etc. pay directly for low amounts. not alwyas about debit card rewards.

Tried billdesk and you shared, was able to pay 19rs without issues, would it reflect on my cards instantly?

 

[VISHESH_BANSAL]

Tried billdesk and you shared, was able to pay 19rs without issues, would it reflect on my cards instantly?

Instant chayie thha toh IMPS kardete.

Now Wait it will reflect soon in Statement

 

[Raghav2006Raghav2006 is verified member.]

Instant chayie thha toh IMPS kardete.

Now Wait it will reflect soon in Statement

Well, its just 19rs IMPS kaise karu?
IMPS bhi kardunga?

 

[Raghav2006Raghav2006 is verified member.]

Instant chayie thha toh IMPS kardete.

Now Wait it will reflect soon in Statement

It's been a day, it still hasn't reflected in statement.
Please tell me how to do IMPS amount is now 1 day overdue.

 

[VISHESH_BANSAL]

It's been a day, it still hasn't reflected in statement.
Please tell me how to do IMPS amount is now 1 day overdue.

Use IFSC HDFC0000128 to initiate IMPS.
Account Number is your 16 digits Card Number

 

[Raghav2006Raghav2006 is verified member.]

Use IFSC HDFC0000128 to initiate IMPS.
Account Number is your 16 digits Card Number

Done, thank you so much paid remaining 19rs without issues and it was reflected instantly.

 

[Raghav2006Raghav2006 is verified member.]

Use IFSC HDFC0000128 to initiate IMPS.
Account Number is your 16 digits Card Number

Sir, do you also know how to obtain add on card on axis ace for siblings?
I want to get one, mine is 4months old fyf.

 

[helloworld]

I hv zenith plus if I apply for add on will my wife also receive zenith plus or a lower end variety. Will she also get bogo of bms along with international lounge access . Also please confirm the charges

fyi, for any bank in India afaik, addon always have same card as primary.

If primary downgrade/upgrade, addon also follows same.

applies any bank, any card. 99.99% sure, afaik.

yes, lounge shared and other benefits separate.

chamges, not sure what you meant but below can give sample..

Thread 'AU Zenith vs AU Zenith+'

Sep 29, 2023

Category	Zenith	Zenith+
1RP	0.2p^ - 0.25p (^voucher redemption)	1 Rs.
Dining & Food Apps	5% (max. upto 25k/month)	2%
Grocery, Departmental	2.5%	1%
International	2.5% (- Markup Fee: 2.35%) = 0.15%	2% (- Markup Fee: 1.17%) = 0.83%
Travel	1.25%	2%
Insurance and Utility	0.25% (max. upto...

• helloworld
• Replies: 78
• Forum: AU Bank Credit Card

• 
• 

 

[helloworld]

So I applied zenith plus formy wife but they said even movie booking offer will be shared not seprate

understand, why should bank mention as separate when it costs to them? Its a loophole where bin same but card number different, so bms treat as different card. Use as long as it works and don't remind banks about it.

currently all banks provide different card numbers, so 10% offers, instant discount offers, food app discount offers etc. can be availed separately with primary.

Only exception is lounge where some reason they're tracking overall account level instead card.

so, before they implement same to other places like movies in above case, utilize it and dont ask customer care, why its working for other not u, its never meant to work in the first place.

 

[b4bhar]

How can I apply for an addon card for my AU LIT card without the addon card holder having any relationship with the bank? My father is already 63 years. I dont want to open a savings account now for him

 

[2025]

How can I apply for an addon card for my AU LIT card without the addon card holder having any relationship with the bank? My father is already 63 years. I dont want to open a savings account now for him

Then open a short term FD account, if possible. They need customer id only.

 

[Vickymaster1010]

How can I apply for an addon card for my AU LIT card without the addon card holder having any relationship with the bank? My father is already 63 years. I dont want to open a savings account now for him

Open whats the problem . 5k wala u wil get rupay debit card as well

 

[b4bhar]

Open whats the problem . 5k wala u wil get rupay debit card as well

He is not interested to open any savings accounts at this age. I got hsbc add on card easily without much hassle. Do we something similar for au bank as well?

 

[b4bhar]

He is not interested to open any savings accounts at this age. I got hsbc add on card easily without much hassle. Do we something similar for au bank as well?

Open whats the problem . 5k wala u wil get rupay debit card as well

Also, doesn't want to spend anything on maintaining these account