CARDMEMBER

AGREEMENT

Date: 16th April 2024

 These Terms and Conditions apply to the AU Small Finance Bank Credit Card. Kindly go through this
Agreement which is sent to you, following the approval of your application, for an AU Small Finance Bank Credit
Card. In your Application Form, you had provided consent that the use of the AU Small Finance Bank Credit
Card shall be governed by these Terms and Conditions, which can be amended by the Bank at its discretion. If
the Terms and Conditions are not acceptable to you, please inform us in writing, and destroy the AU Small
Finance Bank Credit Card by cutting it into four pieces across the magnetic stripe, and return the same to us
within 10 calendar days on receipt of the Credit Card.
1. Definitions
1.1 AU Small Finance Bank Credit Card Number shall refer to a valid Credit Card issued by AU Small
Finance Bank, that provides the Cardmember a facility to use the Card Account for a pre-calculated
Credit Limit.
1.2 Additional Credit Card/Add-on Credit Card shall mean a Credit Card issued on the request of the
Primary Cardmember to the additional Cardmember.
1.3 Business Credit Cards: Credit Cards issued to business entities/individuals for the purpose of
business expenses with specified terms and conditions and not for personal use.
1.4 Additional Cardmember shall refer to an individual who is a resident Indian/NRI/Foreign National
working in India, and who is an immediate family member of Primary Cardmember viz. spouse,
brothers, sisters, parents, children, and has attained the age of 18 years to whom an Add - On Credit
Card has been issued by the Bank following the request of the Primary Cardmember, and whose
charges are chargeable to the Card Account.
1.5 Bank, we, us, our or similar pronouns shall refer to AU Small Finance Bank Ltd., or any of its
successors, assigns, administrators, liquidators, etc. as the case may be.
1.6 Billing Cycle is the period between the generation of two consecutive billing statements.
1.7 Cardmember, Primary Cardmember, Cardholder, member, customer, you, your, him, he, his, or similar
pronouns shall refer to the individual, in whose name the Credit Card has been issued and the Card
Account is maintained.
1.8 Card Account or account shall mean an account maintained in the name of the Primary Cardholder by
the Bank under these Terms and Conditions
1.9 Domestic Transaction/Usage - Transaction made by the Cardmember/Additional cardmember at
Merchant Outlets, ATM or online transactions and which originates in India
1.10 International Transaction/Usage - Transaction made by the cardmember/additional cardmember at
Overseas Merchant Outlets, Overseas ATM, or on websites originating outside India.
1.11 Credit Limit refers to the maximum credit that can be availed on the Card Account. Credit Limit shall
consist of both Domestic Limit as well as International Limit. Domestic Limit is the value of maximum
credit limit assigned for Domestic Transaction. International Limit is the value of maximum credit limit

Last updated on 16th Apr'2024

 assigned for International Transaction.
1.12 Charges shall be construed as transactions made or charged to the Card Account under this
Agreement irrespective of whether or not the Card holder signs a charge slip record. The afore
mentioned charges shall include, but not be limited to purchase of goods, services or cash advances
or drafts made from the card account by using the Card or Card Number, Joining Fee, Annual Fees,
Charges on Revolving Credit, Overlimit Fee, Late Payment Fee, Transaction Charges, Service
Charges, GST and any other fee/charges/amounts, which the Cardmember has agreed to pay or is
liable to pay to the Bank under this Agreement.
1.13 Cash Limit means the maximum cash or cash equivalent that the Cardmember can use for a
non-purchase transaction.
1.14 Electronic Terminal means any Branch Teller Terminal, Automated Teller Machines (ATM),
Point-of-Sale Terminals or EDC (Electronic Data Capture machine) and other devices in which a
Credit Card and/or PIN (Personal Identification Number) can be used, and which is Authorized by the
Bank as described in the Terms and Conditions.
1.15 Electronic Clearing Service (debit clearing, ECS or Pay Online using other Bank Account) would mean
the debit clearing service which will be used to enable payment of any outstanding dues on the Card
Account, consent for which has been provided to the Bank by the Card member in writing
1.16 Charges on Revolving Credit shall mean the interest charged on the Total Outstanding Amount on the
Card Account as provided in these Terms and Conditions.
1.17 Merchant Establishment shall mean any company, corporation, establishment, firm, association,
individual or any such entity, wherever located, which provide goods and services by accepting the use
of the Card or the Card Number, the definition of which may be changed by the Bank from time to time,
Cardmember to.
1.18 Purchases shall mean and include purchase of goods and services by the Cardmember, by using the
Card or Card Number.
1.19 Payment Due Date shall mean the date on or before which the Cardmember has to make the payment
to the Bank for the outstanding amount in the billing cycle.
1.20 Total Outstanding shall mean the Total Outstanding on the Card Account due to the Bank, including but
not limited to taxes,charges,fees, interest and any other amounts that may be charged by the Bank
from time to time in a Billing Cycle.
1.21 Temporary Credit Limit Increase means a credit limit increase requested by a Cardmember for a
specific purpose. Such increase is done for a specific time period as per discretion by AU Small
Finance Bank, and reverted back at the end of the time period.
1.22 Valid Card shall mean a Credit Card which has been issued by the Bank and has not expired, has not
been damaged, or been cancelled by the Bank or Cardmember.

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 1.23 Secured Credit Card shall mean Credit Card issued by AU Small Finance Bank to the Cardmember
against the fixed deposit maintained by the Cardmember with AU Small Finance Bank. AU NOMO
Credit Card is a Secured Credit Card.
2. AU Small Finance Bank Credit Card
2.1 You agree to comply with the Terms and Conditions contained herein. These Terms and Conditions
may be amended by the Bank under the Reserve Bank of India’s (RBI) instructions or any statutory
bodies or due to change in Bank’s policy from time to time. The Credit Card will be honoured by a
Merchant Establishment only when a Valid Card is duly signed on the reverse and presented to the
Merchant by you.
2.2 The Card is a property of the Bank, and must be produced or surrendered to the Bank on demand
without delay.
2.3 The Card issues to you is not transferable, and you should safeguard the same from misuse, by
keeping it safely and without damage under your control at all times.
2.4 International Card Transactions:
2.4.1 The Card can be used for payments in foreign currencies. Such transactions must be in compliance
with the laws applicable in India including inter alia the Foreign Exchange Management Act, 1999
(FEMA). You agree to not use the Credit Card to conduct any transaction on the websites that are
prohibited under the laws of India, which may result in criminal liabilities against You.
2.4.2 You shall not use the Card for making payments in foreign currency in Nepal or Bhutan.
3. The Cardmember (where such Cardmember is an individual) or the director/partner/member of such
Cardmember (where such Cardmember is not an individual), is not a director or specified near relation
of a director of a banking company (including the Bank) (as specified by the RBI), including director of
scheduled cooperative bank, director of subsidiaries/trustees of mutual funds/venture capital funds set
up by any banks (including the Bank) or a relative/near relation (as specified by RBI) of a senior officer
of the Bank (as specified by RBI).
4. Card Validity, Expiry and Renewal
Your Card including Primary, Add-on, Replaced & Renewed cards will be valid up to the last day of the
calendar month of the year indicated on the face of the Card, unless cancelled earlier by the Bank.
Please note that the add-on Card validity will be same as that of the Primary Card. If the Card is used
outside the validity period, the Bank shall not be liable in any manner whatsoever for any
consequences that may arise. The cardmember should destroy the Credit Card on expiry, by cutting it
into two halves through the magnetic stripe.
4.2 An expired or cancelled Card may be renewed or reinstated at the sole discretion of the Bank.
4.3 Bank will Automatically renew the validity of the Card before its expiry and send to you a new Card,
unless you are in breach of any the Agreement or otherwise hereunder, In case of non-receipt or

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 excessive delay in delivery of renewed Card, you may contact the designated Customer Service
Centre of the Bank, or write to the Bank at the address notified to you from time to time.
4.4 If you do not wish to renew the Card, you must inform the Bank of your decision at least 30 days prior
to the expiry of the Card. Upon your Failure to inform the Bank of your decision of not renewing the
Card, the Bank may charge the renewal fee (as applicable at the time of renewal) to your Card
Account. Such renewal charges will be final and non-refundable.
5.1 Fees
You agree to pay the following fees in respect of the Card:
5.1.2 Annual Fees: As communicated at the time of issuance of the Credit Card, and thereafter annually
during the month in which the Credit Card was originally issued.
5.1.3 Additional Card Annual Fees: No fee shall be charged for Add on cards, with maximum up to 3 add on
cards for every primary cardholder.
The fees and charges described are non-refundable and subject to change at the discretion of the
Bank. The changes shall be effected with prior intimation to you. The cardmember can always check
the schedule of fees and charges online or request a copy by contacting the Bank.
6. Additional Card
6.1 The bank at its discretion may provide an option to the Card Member to take multiple additional
cards. The maximum numbers of such additional cards will be decided solely by the Bank. The
Additional Cardmember must be an immediate family member of the Primary Cardholder viz.
spouse, brothers, sisters, parents, children, and must be an Indian resident above the age of
18 years.
6.2 Upon receipt of your request/Authorization, the Bank at its sole discretion, may issue Additional Card
to the Additional Cardmember.
6.3 You will be fully responsible and liable for all transactions and Charges incurred on all Additional Cards
issued against the Primary card, which will be included in your Statement of Account. The Additional
Cardmembers shall be jointly and severally liable to the Bank along with you for all the Charges, even
though the Monthly Statement of Account may be sent only to you. These Terms and Conditions shall
also be binding on the Additional Cardmembers.
6.4 Additional Cards issued on your Primary Card can be cancelled any time by contacting the Bank and
returning to the Bank the Additional Card cut into half. On receipt of the same, the Bank will cancel the
Additional Card.
7. If the Primary Card Account is cancelled or terminated for any reason, all Additional Cards issued
against Primary Card will be automatically withdrawn.
7.1 The Bank will, according to its internal policies, periodically review the Card Accounts(s) basis your
activity on the AU Small Finance Bank Credit Card at regular intervals. The Bank may, basis its review

Last updated on 16th Apr'2024

 and at its sole discretion, reduce your Credit Limit. Such changes in Credit Limit shall be notified to you
from time to time. You may, at any time, request for a lower limit for the Primary Card Account, and for
the Additional Card members. Based on such requests, the Bank would revise the Credit Limit of the
Primary or the Additional cards. The monthly statement will have the Credit limit that has been
assigned to you along with the available credit limit at the statement closing date.
7.2 The use of the Primary as well as the Additional Cards at Merchant Establishment will be limited by the
Credit Limit assigned by the Bank to the Card Account. The combined extent of usage must not
exceed the Card Account’s Credit Limit at any time. In the event of breach of this provided credit limit,
you will be charged a fee at the prevailing rate, irrespective of the extent of over-usage by which you
exceed the Credit Limit. The excess amount used must be paid back immediately. The Bank reserves
the right to change the above mentioned fees at its sole discretion.
7.3 The Minimum Amount Due must be settled by the cardholder on or before the Payment Due date,
failing which, the Bank reserves the absolute right to withhold the facility on the Card till such time that
the Card Account is regularized. The Credit Limit and the card Account will be terminated once the
Card is cancelled.
7.4 If the cardholder makes a payment over and above the amount due as per the monthly billing
statement, he shall not be liable to be paid any interest on the said credit balance amount, and the
same will be used to settle against the amount due in the subsequent monthly statement.
7.5 International limit assigned on your Credit Card indicates the maximum usage limit for an overseas
purchase transaction (including online) or ATM usage.
8. Use of Card
8.1 On receiving the Credit Card, you must immediately sign on the signature panel on the reverse of the
Card.
8.2 The Card may be used only for bona fide personal or official purchase of goods and/or services. the
Card must not be used to purchase anything to resell for commercial or business purpose, to derive
any financial gains.
8.3 International Credit Cards cannot be used on the internet or otherwise for purchase of prohibited
items, like lottery tickets, banned or proscribed magazines, participation in sweepstakes, payment for
callback services, and/or such items/activities which are prohibited by law and for which no drawal of
foreign exchange is permitted.
8.4 At the time of incurring a Charge, the cardmember must sign and/or collect the charge slip, cash
advance slip or mail order coupon. Failing to sign a charge slip will not discharge the cardholder of the
liability for the Charges incurred on the Card. You must retain your copy of the charge slips for atleast
six months. the Bank may, at its sole discretion, and upon your request, provide copies of charge slips,
subject to payment of an additional charge at the prevailing rate.
8.5 The Bank may, at any time, and without prior notice, or stating any reason whatsoever, decline

Last updated on 16th Apr'2024

 Authorization for a Charge at a Merchant Establishment. The Bank may also restrict or defer the
Cardmember’s ability to use the Card and/or suspend or cancel the Card. The Bank may
repossess/retain the Credit Card if it reasonably believes that it is necessary to do so for proper
management of credit or business risk, or if the Card or Card Account is being misused or likely to be
misused. The Bank may do this through the ATM, Merchant establishment or by itself. You agree to the
above without any protest or demur.
8.6 Any charge slip or other payment requisition received by the Bank for any transaction on the Card
Account for the payment, shall be treated as conclusive proof that the amount recorded on such
charge slip or other requisition, was incurred by the use of the Card by you. In case of a dispute on a
transaction where a charge slip or voucher is not available viz. mail order or telephone order or
electronic commerce (e.g. Internet), the cardholder will have to clear the outstanding on the card first
and will have to resolve the dispute directly with the concerned Merchant Establishment. The Bank
shall not be liable, in any manner whatsoever, for the same.
8.7 Purchase of certain product and services using the Card may attract an additional Surcharge, as
notified by the Bank from time to time. Payment of such surcharge is mandatory and the same may
vary from time to time.
8.8 The Monthly Statement of Account shall be prima-facie proof of the Charges incurred by you. In case
you disagree with a Charge indicated in the Statement of Account, you must communicate the same
to the Bank in writing within 21 (twenty one) days of the Statement Date, beyond which the Charge in
the Statement of Account shall be deemed as conclusive proof of your liability to pay to the Bank.
8.9 The Bank will not be held responsible if the Merchant Establishment refuses to accept the Card, or if
a surcharge is levied by the Merchant Establishment on the Card. However, the Cardmember should
notify the Bank of this complaint at the address notified by the Bank from time to time, or at the
designated Customer Service Centre.
8.10 The Bank shall not be in any way responsible and/or liable for merchandise, price, rate, quality,
warranty, privileges, benefits, facilities, including deficiency/delay in services, delivery or non - delivery
etc., purchased or availed by you from Merchant Establishment and/or third party supplier, including
any mail order or telephone order or electronic commerce (e.g., internet) placed by you. Any dispute
arising thereto should be settled directly by you with the Merchant Establishment / third party suppliers.
Any failure in settlement will not relieve you of any obligation to the bank nor will the bank will be liable
for any settlement between you and the merchant establishment.
8.11 Any dispute or claim against a Merchant Establishment will not be a subject of a set off or counterclaim
against the Bank
8.12 The Bank may, at its sole discretion and without being liable in any manner whatsoever to you,
suspend or withdraw the Card at any time. Termination of the Card and this Cardmember Agreement
shall Automatically result in the termination of all privileges, benefits and facilities attached thereto.

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 8.13 All charges for the purchase of goods/services e.g. air/rail tickets etc., as it appears on the Statement
must be paid in full to avoid incurring finance or fee charges even if such purchase might have been
reversed/cancelled. Credit of refund due to cancellation will be made to the Card Account (less
cancellation charges), only when received by the Bank. Cash refund will not be issued under any
circumstances. If the credit is not shown in the Statement of Account within a reasonable time, you
must notify the Bank, immediately.
8.14 You accept full responsibility for use of the Card in contravention of laws, rules, regulations and Terms
and Conditions of this Cardmember Agreement, and undertake to indemnify the Bank, and to make
good any loss, damage, interest, conversion, any other financial charges and outgoing, costs and
consequences that the Bank may incur or suffer on your account and your acts, omission/ commission
and negligence.
8.15 You are also liable to pay any statutory dues levied on the services provided by the Bank to you.
8.16 You agree and hereby Authorize the Bank to convert Charges incurred by you in foreign currency to
Indian Rupee equivalent at such rate as the Bank may designate from time to time.
8.17 You agree that goods purchased through the use of the Primary or Additional Cards shall remain the
property of the Bank till such time that the Charges pertaining thereto are fully paid by you to the
Bank.
8.18 Rent: 1% processing fees will be applicable from 2nd rental (MCC 6513) 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 Altura, Altura Plus, LIT & Xcite
platinum series of Credit Cards.
ii. Up to 30% of credit limit can be utilized per rent transaction for Vetta, Zenith, Zenith+, Business
Cashback, InstaPay & Xcite Signature series of Credit Cards.
8.19 The terms & conditions applicable on Credit Card may be altered by the Bank with 30 days notice of
the change to the cardholder. After the notice period of 30 days, the cardholder would be deemed to
have accepted the terms & conditions if he/she had not withdrawn during the specified period. The
change in terms shall be notified to the cardholder through all the communication channels.
8.20 Bank reserve the right to restrict Credit limit usage at MCC level, based on usage pattern of the
customer, without any prior intimation to customers.
8.21 In a calendar month only up to 50% of credit limit can be utilized for telecom / utilities payments done
on MCC 4900
8.22 Domestic/International Standing Instruction or Recurring transactions needs to be cancelled at
merchant website or SI hub, as disabling domestic/international online usage on card will not cancel
the standing instruction and the transaction will get authorized. For details refer:
https://www.aubank.in/MITC_SOC_CC-recurring-e-mandate-for-merchant-platforms-terms-a

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 nd-conditions.pdf
8.23 EMI conversion on Credit Card shall be subject to sanctioned Credit Limit i.e. the total EMI
conversion amount should be less than or equal to available credit limit and maximum up to
sanctioned Credit limit on the credit card at the time of processing the EMI conversion request.
9. Cash Advances
9.1 You can use the Credit Card, for withdrawal of cash from Automated Teller Machines (ATMs) of the
Bank, select partner Banks and from other locations/permitted establishments as may be offered by
the Bank from time to time and also for any other cash equivalent transaction such as Demand Draft
facility, permitted by the Bank from time to time. You shall comply with the laws, rules and regulations
not limited to Foreign Exchange Law and rules thereunder, as notified by RBI and other Government
bodies for such cash advances and cash equivalent transactions. You shall be provided an ATM Code
(PIN) for the purpose of cash advances. You shall not disclose the PIN to any person and shall take all
precaution to prevents its discovery by any person.
9.2 You can obtain a Cash Advance up to your cash limit amount, subject to the available cash limit, and
such Terms and Conditions applicable to Cash Advance Transactions as may be defined and/or
communicated by the Bank from time to time
9.3 The Charges for the Cash Advances viz., transaction charges, handling charges etc., and Terms and
Conditions thereto shall be communicated in writing to the Cardmember. Such Charges are subject to
change at the sole discretion of the Bank and shall be levied from the date of withdrawal until the date
of settlement.
10. Billing & Settlement
10.1 Once a month for each billing period during which there is any activity or outstanding of more than
`100 on the Card Account, The Bank will send a Statement of Charges at your mailing address or
email ID as provided by you. you shall be liable to settle the outstanding balance on the Card, on the
basis of the charge slips or any other evidence of the Charge within 30 days of incurring the Charges
and non -receipt of the Statement of Account does not affect in any way your obligation and liabilities
under this agreement. The Bank will debit the Card Account for all the Charges incurred. The Bank
will also credit the Card Account for all payments made by you to the Bank, and also for any credits
received from the Merchant Establishments in your favour on account of cancellation or reversal of
charges.
10.2 The Bank shall generate monthly statements showing the record of transactions done by the
Cardmember, and/or the payment made and/or credits received. The monthly statement for each
billing period will identify, inter alia, of purchase of goods and/or services, cash advances, fees, GST
and other charges, payments and credits to the Card Account. The Total Outstanding Amount as well
as the Minimum Amount Due required to be paid by you will be calculated and shown in the monthly
statement. The Cardmember must ensure that the payment for at least the Minimum Amount Due
must reach the bank on or before the Payment Due Date mentioned in the Statement. Your account

Last updated on 16th Apr'2024

 will be credited only when the Bank receives the payment of cleared funds from you. or your Bank
though ECS/Pay online mode. The Cardmember must pay immediately any overdue amounts or any
amount over the Credit Limit.
10.3 The Minimum Amount Due to be paid at the end of each billing cycle shall be determined at the sole
discretion of the bank. The Cardholder has an option to only pay the Minimum Amount Due as
mentioned in the statement and carry forward the payment of the balance amount to the next Billing
Cycle.
10.4 Failure to make payment of the Minimum Amount Due by the Payment Due Date as mentioned in
the monthly billing statement shall render the cardholder liable to risk of withdrawal or suspension
(whether temporary or permanent) of the facility on the Credit Card. Further, A fee may also be
levied for such non-payment of Minimum Amount Due as well. The Bank may at its sole discretion,
also instruct the Merchant Establishments not to honour the Credit Card and / or to take custody of
the Card, by listing the Card Number in the Warning Bulletin issued by the Bank from time to time or
otherwise.
10.5 The Cardholder has an option to pay more than the Minimum Amount Due, pay the Bank before the
Payment Due Date, pay more than once during the billing period, or pay the balance outstanding on
the Card Account at any time. The payment may be made by draft, cheque, cash and by giving
standing instructions or Auto debit instructions to the Bank for crediting the Card Account by debiting
any other deposit account with the Bank. You may also Authorize the Bank through the Electronic
Clearing Service (ECS)/National Automated Clearing House (NACH)/Pay Online using other Bank
Account introduced by the Reserve Bank of India to directly debit the account maintained with the
Bank or any other bank and credit your Card Account. Should you desire ECS/NACH/Pay Online
using other Bank Account, the Bank shall advice you separately on the Terms and Conditions
applicable thereto.
10.6 Payment by Outstation cheque/draft i.e. cheque/draft payable at cities other than certain specified
cities, (List of such specified cities as are decided by the Bank from time to time is available on request)
will attract processing fee. The fee for processing outstation cheques are mentioned in the Schedule
of Charges. The list of such locations and the processing fee may be changed by the Bank at its sole
discretion without Notice.
10.7 In the event that any payment instrument of yours is subsequently dishonoured, the Bank may, at its
sole discretion, suspend or terminate the Card privileges and levy a fee as mentioned in the Schedule
of Charges. Such fee amount is subject to change at the sole discretion of the Bank. The Bank also
reserves the right to initiate any appropriate legal action.
10.8 Any and all payments received towards the Card Account may be applied or appropriated by us as per
our internal accounting and credit guidelines, not withstanding any instructions or specific
appropriation by you or other person making the payments.
10.9 The Bank will provide a facility for issuing Duplicate Monthly Statements of Accounts only up to a

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 period of twelve months preceding your request, subject to payment of service charge specified in the
Schedule of Charges, and which can be changed at the discretion of the Bank.
11. Charges on Revolving Credit
11.1 Charges on Revolving Credit are payable at the monthly percentage rate on all Charges, including
cash advances, from the date you make the transactions until they are fully paid.
11.2 Charges on Revolving Credit are levied on the cash advances and balance transfer from other Credit
Card Account. Such charges are levied immediately from the date of withdrawal of cash or cash
equivalent, and from the date of issue of the bankers cheque for such balance transfer For Purchases,
the Charges on Revolving Credit accrue only if in cases where the Total Outstanding or any part
thereof payable by the Payment Due Date is not paid in full, and the same is carried forward from the
previous Billing Cycle to next Billing Cycle.
11.3 Charges on Revolving Credit, if payable is debited to your Card Account on the last date of each
statement period and is shown on your Statement.
11.4 Charges on Revolving Credit are payable on your Total Outstanding carried forward at the rate defined
by the Bank, and as amended by the Bank from time to time.
11.5 The rate of Charges on Revolving Credit may differ for certain facilities such as balance transfer facility
etc., and the Bank shall specify the same from time to time.
11.6 The Charges on Revolving Credit described above, will continue to be payable after termination of this
Agreement or closure of the Card Account till outstanding on the Card Account is cleared in full. The
Bank may at its sole discretion and at any time, under intimation to you, vary the Charges on Revolving
Credit for all or some of its facilities.
12. Late Payment Fee
Late Payment Fees will be levied to the Card Amount if you fail to pay the Minimum Amount Due as
mentioned in the monthly Statement by the Payment Due Date. This fee may vary at the discretion of
the Bank and shall be intimated to you and will be mentioned in the schedule of charges.
13. Other Fees/Charges
You agree to pay all costs including but not limited to Charges (for renewal, replacement, duplicate
statement etc.), transaction fee on cash advance, collection charges for outstation fee, legal cost, any
other fees/Charges etc. incurred and/or charged by the Bank.
14. GST
You agree to pay GST at rates as per the Government of India guidelines, that may be levied on the
prescribed fees, Charges on Revolving Credit, other fees/Charges etc., as may be applicable from
time to time.
15. Alerts
You provide consent to the Bank to send you messages via SMS and/or e-mail or by using any other

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 communication channel to keep you informed about the status of your Card Account, and provide any
other information from time to time.
16. By Phone
16.1 The Bank shall provide information and facility to you, to facilitate access to information and carry out
transactions on your Card Account, by giving instructions on telephone, processed either manually or
through Automated systems. However, the list and nature of the information/transaction that can be
given/carried out over the telephone will be decided solely by the Bank. The Bank also reserves the
right to Authenticate your identity before processing your request for the security of the Card Account.
You may also be given specific Telephone - Personal Identification Number (T-PIN) for use of this
facility.
16.2 You agree that you shall not hold the Bank liable on account of the Bank acting in good faith on such
instructions.
16.3 The Bank may at its sole discretion tape or record such instructions, and may rely on transcripts of
such telephonic instructions as evidence in any proceedings.
16.4 At your request, the Bank may send to you by FAX (at a FAXNumber given by you) financial
information (sought by you) regarding the Card Account which may be of private and / or confidential
nature. You agree to not hold the Bank liable in any manner whatsoever should such information come
to the knowledge of any third party.
16.5 The Bank will not be held liable on account of delay or inability on the part of the Bank to act
immediately or at all on any of your instructions provided to the Bank. The Bank shall follow your
instructions on a best effort basis.
16.6 The Bank reserves the right not to carry out such instructions, where the Bank has reasons to believe
that the instructions are not genuine, or to withdraw or suspend the facility.
16.7 In case there is a discrepancy in the particulars or details of any transactions carried out by the Bank,
you shall be obliged to inform the Bank of the discrepancy within ten days of receiving the advice from
the Bank.
16.8 In consideration of the Bank providing you the said facility, you agree to indemnify and hereby keep the
Bank indemnified from and against all actions, claims, demands, proceedings, losses, damages,
costs, charges and expenses that the Bank may incur, sustain or suffer as a consequence of or by
reason of your using this facility.
17. Internet Banking
17.1 You agree that while making any Internet Transaction, any outflow of foreign exchange must be
undertaken by you only in accordance with Foreign Exchange Management Act, 1999 and Information
Technology Act, 2000 and other applicable acts including any rules, regulations, thereunder, and any
other laws as may be applicable from time to time. In order to protect the Cardholder from
unauthorized and illegal use of account information by any person, the Bank may at its sole discretion

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 decline any Internet Transaction initiated by the cardholder.
17.2 You may also be given a specific Personal Identification Number (PIN) for use of this facility. You shall
personally be liable for the security of the said number (PIN), and shall actively ensure that it is neither
discovered by any other person nor shall share or disclose the said number to any individual.
17.3 You agree not to use the Card/Card Number to visit websites on gaming and obscenity or any
websites that have been prohibited and declared illegal by the Government of India. By doing so you
may be liable for any legal action against you and the Bank shall not be responsible for the same.
17.4 The information materials contained on the websites are subject to change from time to time and
without intimation. Unauthorized use of Bank’s website, including but not limited to entering into Bank’s
systems, misuse of password or misuse of any information posted on the website is strictly prohibited.
In doing so you shall be liable for legal action under the provisions of Information Technology Act, 2000
and other acts applicable from time to time.
17.5 In consideration of the Bank providing you the Internet Banking facility, you shall indemnify and hereby
keep the Bank indemnified from and against all actions, claims, demands, proceedings, losses,
damages, costs, charges and expenses that the Bank may incur, sustain or suffer as a consequence
of or by reason of your using this facility.
17.6 The Bank may, at any time and without assigning any cause or without any prior notice whatsoever,
terminate any user access.
18. Insurance
18.1 The following terms and conditions shall govern any insurance facility that may be provided. These will
be In addition to Terms and Conditions as may be stipulated by the Insurance Company providing
insurance cover/facilities.
18.2 Insurance covers may vary by card variants and from Card to Card. The Cardmember agrees to check
and understand the specific complimentary insurance cover provided to the Cardmember under the
specific AU Small Finance Bank Card.
18.3 The Cardmember specifically understands that any complimentary insurance covers/facilities
provided on any Card, if any, might not be available for any one or more specific category/type of
Card.
18.4 The complimentary insurance covers provided on any card may only be provided to Cardmembers
who have transacted on the Card for a Purchase/Cash Advance/EMI/Payment Transaction, at least
once, within 180 days prior to the day of occurrence of the incidence, for which the insurance claim is
being made. Inactive Cards, (Cards that have not been used for any Purchase/Cash Advance, EMI,
Payment Transaction (on POS terminal/Ecommerce/ATM terminal) as aforesaid for 180 days or more)
and Cards that are overdue for payment will not be provided with any complimentary insurance
covers. An Active Card is defined as where one transaction on POS terminal/Ecommerce /ATM
terminal has been carried out in last 180 days from the date of loss.

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 18.5 Insurance covers are not provided by AU Small Finance Bank. Exclusions/limitations are applicable as
per policies issued by the concerned insurance company. AU Small Finance Bank will not be liable in
any manner whatsoever, by virtue of any insurance cover provided, whether or not the premium for
such insurance cover is paid by the Cardmember. the concerned insurance company will be solely
liable, for all such insurance related claims/matters. the Cardmember shall not hold the Bank
responsible for any matter arising out of or in connection with such insurance cover, whether for or in
respect of any deficiency or defect in such insurance cover, recovery or payment of compensation,
processing or settlement of claims or otherwise howsoever, and all such matters shall be addressed
to, and sorted out directly with the concerned insurance company and to the exclusion of AU Small
Finance Bank, and no communication in this regard will be entertained by AU Small Finance Bank.
However, AU Small Finance Bank may assist (but not obliged to) in informing about and collecting
claim documentation as specific exceptions to the aforesaid for certain insurance covers offered which
will be duly informed to the cardholder.
18.6 The Cardmember acknowledges and agrees that the insurance cover so provided will be available to
the Cardmember only as per the terms of the relevant insurance policy in force, and only while the
Cardmember is and remains a Cardmember of AU Small Finance Bank with his Account being
maintained in good standing. In the event of the Card membership being withdrawn (whether
temporarily or permanently) for whatever reason, the benefit of such insurance cover shall
Automatically and ipso facto cease to be available from such date of cessation of Card membership.
the Cardmember also agrees that even during the continuation of his Card membership, AU Small
Finance Bank may at any time (in its sole discretion and without giving any notice thereof to the
Cardmember or assigning any reason thereof) suspend, withdraw or cancel the benefit of such
insurance cover, and there will be no binding obligation on AU Small Finance Bank to continue this
benefit.
18.7 The insurance benefits provided with the Card Account are as per the Terms and Conditions of the
policies effected with the concerned insurance company. The Cardmember acknowledges that AU
Small Finance Bank reserves the right to add, change, modify or completely withdraw any or all
benefits provided with notice to the Cardmember.
18.8 Benefits listed in the concerned insurance policy shall be the maximum amount for which the
Cardmember will be entitled to in the event of any covered loss during the period of the respective
insurance policies under which such covers are provided by the concerned insurance company.
19. Insurance Benefits
The AU Small Finance Bank Credit Card comes bundled with a complimentary insurance cover which
may include zero lost card liability, Personal Accident Insurance and Credit Shield. Insurance cover
may vary from Card to Card. The Cardmember understands that he/she is required to check and
understand the specific complimentary cover provided to Cardmember, under specific AU Small
Finance Bank Card.
19.1 Personal and Air Accidents Covers: In the unfortunate event of loss of life in an Air Accident, the

Last updated on 16th Apr'2024

 customer’s designated nominee will receive the benefits of accident insurance. The Personal and Air
Accident Covers are valid only if the Card has been used at a Merchant Establishment or at an ATM
for cash withdrawal at least once in the 180 days prior to the incident.
19.1.1 Personal and Air Accident Cover is valid only for select card variants.
19.1.2 Air Accident Cover will only be applicable only when the flight ticket has been booked using an AU
Small Finance Bank Credit Card. The Air Accident Cover is applicable only for air travel for a
Cardmember anywhere in the world, on scheduled or commercial airlines This benefit is not applicable
for private or chartered air travel.
19.2 Zero Lost Card Liability: If you lose your Credit Card from AU Small Finance Bank or in the event of it
being stolen, you are protected against fraudulent purchase transactions from the moment you report
the loss to AU Small Finance Bank in India (Call our AU Small Finance Bank 24-hour Customer
Service Number 1800 1200 1500 or through the VISA International Helpline, if overseas). Please note
that the cover is valid only for fraudulent payment transactions. The insurance is not valid for internet,
mail order, telephone order, ATM transactions, and PIN based transactions. You are required to file an
FIR/Police complaint with the police for the lost/stolen card. AU Small Finance Bank will arrange to
replace your Card as soon as the instructions are received. If you recover your Card after you have
reported its loss, please do not attempt to use it. Instead, please destroy the Card by cutting it into
several pieces through the magnetic stripe.
20. Lost or Stolen Cards
20.1 You must notify the Bank immediately in the event the Card is lost, stolen, not received, or is being
used without your permission. In the case of such loss/theft etc. you must notify the Bank of such
loss/theft etc., immediately after filing the Police Complaint/First Information Report (FIR). A copy of the
FIR/Police Complaint must accompany the Notice to the Bank. Pending written Notice, you may also
inform the Bank telephonically of such loss/theft etc. The Bank will temporarily suspend the Card
Account to prevent misuse upon adequate verification. However, the Bank will not be liable for any
inconvenience caused to you on this account.
20.2 Any liability arising out of any unauthorised use of the Credit Card prior to Notice/Communication to
the Bank, shall be the Cardmember’s for all Charges incurred till the Notice/Communication to the
Bank, and shall be Nil only after Receipt of Notice by the Bank.
20.3 The cardmember shall be liable for all charges incurred on the credit Card if the same has not been
duly signed on the reverse side.
20.4 The Bank shall not in any manner be liable for any misuse of the Card. The Cardmember is
responsible to ensure the security of the card and shall take all steps towards ensuring the
safekeeping of the Card. In the event the Bank determines that the aforementioned steps are
questionable, financial liability on the lost or stolen Card would rest with you and could even result in
the cancellation of the Card Account.

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 20.5 You will fully cooperate with the Bank, the representative of the Bank, and / or legal Authorities in the
event of an investigation into any disputed transaction.
20.6 In the event you subsequently recover a lost or stolen Card, the recovered Card must not be used. It
must be cut into half through the magnetic stripe and returned immediately to the Bank.
21. Appointment of Third Party/Service Provider
21.1 The Bank at its sole discretion, may appoint third parties/service providers for providing service over
the phone, or through any other means. The Bank may also appoint third party/service providers for
conducting certain activities such as but not limited to, reference checking, verification through credit
bureau, credit verification, recovery of any outstanding on the Card or initiate any action allowed by law
for recovery of all dues owing to the Bank. However, the Bank will not bear any responsibility for any
consequences arising out of the third party’s acts or omissions. All payments made to such third
parties/service provider for collection will be at your cost and risk in addition to all costs, charges and
expenses incurred by the Bank to recover the outstanding dues/amounts.
21.2 The Cardmember shall be liable for all costs associated with the collection of dues and legal expenses
with interest, should to the Bank deem it necessary to refer the matter to any agent, or where legal
resource for enforcement of payment has to be under-taken.
22. Credit Card Reissue and Replacement
If your Card becomes defective or gets damaged, mutilated, lost or stolen, you may request the Bank
for a replacement Card on our AU Small Finance Bank Net Banking, Mobile Banking or through our
Customer Care 1800 1200 1500. The Bank may, at its discretion and upon payment of such charges
prevailing at the time, issue a replacement card. The damaged Card must not be used and should be
cut in half through the magnetic stripe and returned immediately to the Bank.
23. Change of Address and Telephone Number
Any change in the address, telephone number or contact details of the Cardmember should be
immediately notified to the Bank at the address notified by the Bank from time to time, or at the
designated customer service center, in writing or telephonically or by visiting branch.
24. AU Small Finance Bank Credit Card Rewards program
24.1 The Bank reserves the right to modify the terms and conditions of Credit Card Reward Points with prior
intimation to Cardholders through website or by other acceptable modes of communication.
24.2 Reward program refers to the program offered by the Bank to certain Cardholders depending on the
type of Credit Card, Bank has issued to the customer. Under this program, the Cardholder can earn/
accumulate Reward Points for domestic/international purchases of goods and services using the
Credit Card at defined MCC (merchant categories). Earning and redemption of Reward Points is at
sole discretion of the Bank.
24.3 Reward program differs from one Card to another. For updated rules on how to earn Reward Points,
customer needs to refer Bank’s website https://rewardz.aubank.in/
Last updated on 16th Apr'2024
 24.4 The information on following categories will be available to Cardholders under the Reward Points
status:
24.4.1 Available Points - Sum of Reward Points balance as of last statement cycle and current statement
cycle.
24.4.2 Redeemable Points - Cardholder’s Reward Points balance as of last statement cycle and can be used
for redemption.
24.4.3 Total Redeemed Points - Total Reward Points redeemed by the Cardholder.
24.4.4 Total Expired Points - The Cardholder’s total Reward Points that have expired.
24.5 The Bank reserves the right to put a capping on maximum Reward Points which can be earned by the
Cardholders in a specific period.
a) Vetta, Altura Plus, LIT, Xcite, Xcite Ultra, Zenith+ & Zenith Credit Cardholders can earn a maximum of
25,000 Reward Points in a statement cycle.
b) With effect from 1st April 2024, Zenith Credit Cardholders can earn a maximum of 5,000 Reward
Points in a statement cycle on Dining Spends.
c) Zenith+ Cardholders can earn a total of 25,000 Reward Points in a statement cycle with a maximum
of 1000 Reward Points on special categories of MCC’s.
d) With effect from 1st April 2024, Rent, Education & Govt and BBPS transactions will not be eligible for
Reward Points. Cardholders will earn 1 Reward Point per Rs.100 on Utility & Telecom Spends (with a
maximum of 100 Reward Points per transaction).
24.6 Cardholders will not earn Reward Points for EMI, fuel, cash withdrawal, Quasi Cash transactions,
joining/annual fees and any other charges levied on the Card.
24.7 Minimum 200 Reward Points (1000 Reward Points for Zenith+ Credit Cards) are required to redeem
against product or services available in catalogue.
24.8 Reward Points earned using primary or Add-on Card are accumulated in primary Cardholder
account. Only primary account holder is eligible for redeeming the accumulated earned Reward
Points.
24.9 Reward Points earned by the Cardholders has a validity of 2 years from the date of points available for
redemption.
24.10 In-case of Cardholder closing the Credit Card or Bank closes the Card of the customer, outstanding
Reward Points will be zeroised. Reward Points for Cardholder not using the Credit Card for 12 months
or more will result into forfeiting of Reward Points.
24.11 Selection of services/products offered for redemption is and will be at the sole discretion of the Bank
and is liable to change with or without prior notice to Cardholders.
24.12 The rate of conversion of Reward Points are subject to change with or without prior notice to

Last updated on 16th Apr'2024

 Cardholders and it differs basis card variant customer holds. For rate of conversion applicable on
your credit card, please refer your card variant webpage.
a) Reward Points redemption per day/month/year limit is at desecration of AU Bank and can be
revised with/without prior notice to Cardholders.
b) Cardholders Reward Points will be forfeited on becoming delinquent for more than 90 days from
the PDD of statement on not paying the MAD amount.
c) Reward Points of Cardholders will be forfeited by the Bank if card is found to be used for purchase
anything to resell for commercial or business purpose, or to derive any financial gains.
24.13 Any dispute related to the vouchers needs to be taken up by the Cardholder with the third-party
vendors directly.
24.14 Redemption orders from the Cardholder once given to the Bank cannot be cancelled, withdrawn, or
changed.
24.15 A nominal fees of Rs. 99 + GST will be levied on each successful redemption.
24.16 Reward Points will reflect in the Card statement. The statement will clearly show Reward Points
earned/redeemed/adjusted in the current month for the transactions that are specified in that month’s
statement, together with information on Reward Points that are available to be redeemed.
24.17 Request for missing Reward Points must be emailed at creditcard.support@aubank.in and
accompanied by a legible copy of the relevant sales receipts or Card statements. The Bank will
investigate all queries related to Reward Points but reserves the right to be the final arbiter in the event
of any dispute. The Bank further reserves the right to adjust Reward Point records retrospectively in
the event of incorrect crediting or otherwise. The Card statement will not have any information about
Reward Points if the account is irregular or is not conducted as per the Bank’s terms and conditions.
24.18 The Bank reserves the right to add, modify or amend any of the above-mentioned terms and
conditions with or without prior notice to customers.
24.19 AU Credit Cardholders will not earn Reward Points/Cashback on BBPS transactions done on AU 0101
24.20 Reward Points, as may be applicable on the credit card variant, will be earned for transaction amounts
in multiples of ₹100.
24.21 Reward Points accrued will be reversed if a retail transaction is converted into EMI.
24.22 Reward Points earned but not redeemed at the time of death of the Cardholder shall be forfeited.
24.23 AU Small Finance Bank reserves the right to cancel Reward Points accrued on the Credit Card if the
Card is in arrears, suspension, default or if the Card Account is reasonably suspected to be operated
fraudulently.
24.24 When a Cardholder obtains a refund or reimbursement for transactions previously incurred (for
example, for returned merchandise or a cancelled transaction) a credit will be issued to the Card

Last updated on 16th Apr'2024

 Account in the amount of reimbursement granted. Such credits posted to the Card Account including
but not limited to those arising from returned goods or services or cancelled transactions, will reduce
the Reward Points accrued to the Card Account as per the adjustments.
24.25 Fuel, Insurance, Jewellery and Rental categories are excluded from Reward Points on series of Aditya
Birla Finance AU Credit Cards.
24.26 Any transaction made using ixigo AU Credit Card pertaining to fuel, rent, jewellery, insurance & wallet
shall not be eligible for reward points.
24.27 Welcome Benefit Reward Points (1000 RPs) for ixigo AU Credit Card will be posted on first successful
transaction within first 30 days of card issuance.
25. Fixed Deposit Lien Process for Secured Credit Card
The terms and conditions listed below are applicable for the AU Small Finance Bank Secured Credit
Card and will be over and in addition to the general Terms and Conditions of the Credit Cardholder
Agreement governing the Credit Card facilities of AU Small Finance Bank and Terms & Conditions
governing AU Small Finance Bank's Fixed Deposit.
25.1 The credit limit on the Secured Credit Card shall be up to eighty per cent (80%) of the Fixed Deposit
amount or as may be decided by AU Small Finance Bank from time to time.
25.2 In the event that Cardmember has an existing fixed deposit with AU SFB, the fixed deposit will be
linked to the Cardmember’s Credit Card account and the fixed deposit shall be converted into an
auto-renewal, reinvest mode with immediate effect
25.3 Upon renewal of Fixed Deposit marked lien against the Secured Credit Card, the confirmation of
deposit will not be dispatched to the Fixed Deposit account holders
25.4 The credit limit on the card will be a function of the principal amount of Fixed Deposit; the interest
accrued on Fixed Deposits will not have any bearing on the credit limit assigned to the customers
25.5 The Cardholder/Joint Fixed Deposit Holders, as the case may be, shall not be able to break or make
any part withdrawals from the Fixed Deposit linked to the Secured Credit Card unless all the dues are
paid under the Secured Credit Card and the Secured Credit Card is terminated
25.6 The Bank is entitled to liquidate the entire fixed deposit amount including the interest accrued and
set-off such amount against the outstanding amount payable to Bank under AU Secured Credit Card
a) In the event of cancellation of the Card by Cardmember/ Bank or
b) Termination/ withdrawal/cancellation of the fixed deposit or if
c) Cardmember fail to pay the amount outstanding on the Credit Card within sixty (60) days from the
due date as mentioned in the Card Statement, or in case of
d) Termination of the fixed deposit upon Cardmember demise
25.7 In case of liquidation of Fixed Deposit(s), the Bank shall not be responsible for any foreseeable loss of

Last updated on 16th Apr'2024

 interest.
25.8 In case of non-payment of dues, the Bank shall report the on AU Secured Credit Card held by
Cardmember as delinquent to the Credit Information Companies (CICs), authorized by the RBI and
such reporting shall affect your credit score adversely
26. Termination
26.1 By the Cardmember: You can terminate this Agreement at any time by returning to us all the Cards,
issued for use on the Account, cut in half with a written request to terminate all facilities and benefits
hereto associated with the Card. Termination will be effective only when we receive all the Cards
including Additional Cards and payment of all amounts outstanding in respect of the Card Account.
You can cancel the use of Additional Card by notifying the Bank in writing. The cardmember will remain
liable for all charges incurred by use of the Additional Card. Any charges or fees, annual or otherwise,
shall not be refunded on a pro rata basis.
26.2 By the Bank: The Bank can, without assigning any reason or cause or without any notice thereto,
terminate this Agreement immediately at any time at its discretion, or restrict the use that the
Cardmember may make of the Credit Card. Whenever the Bank terminates the Agreement, all
amounts outstanding on the Card Account (including charges or cash advances not yet debited) will
become due and payable immediately. The annual fees or charges levied on the card shall not be
refunded or adjusted on a pro rata basis. The Bank may inform Merchant Establishment of cancelled
Credit Cards. If the Credit Card is cancelled, you must cut it in two halves through the magnetic stripe
and return both halves to the Bank immediately.
26.3 In the event of a change in the cardmember’s employment/profession or address, or if the
cardmember is transferred from his present posting, or a change in the cardmember’s salary
account/main bank account etc., the Bank at its sole discretion shall have the right to discontinue the
Credit Card facility.
26.4 Occurrence of one or more of the following events shall constitute an event of default , and the Bank,
at its sole discretion may withdraw the Credit Card facility. The events of default are as under:
26.4.1 You consistently fail to pay any amount due to the Bank within the stipulated period.
26.4.2 You fail to perform your obligations as per these terms and conditions.
26.4.3 Any cheque and/or ECS/Pay Online using other Bank Account/standing instructions delivered to the
Bank for payment is not encashed/acted upon for any reason whatsoever on presentation being
made.
26.4.4 Any representation made by you proves to be incorrect, false or incomplete, including but not limited
to income and/or identification paper/document forwarded to the Bank, being proved incorrect,
incomplete and/or contains false/fraudulent information.
26.5 Once the Card Account is cancelled/ closed (due to any reason whatsoever) and the privileges
associated with the card account stands withdrawn, reinstatement of the same will not be automatic

Last updated on 16th Apr'2024

 and shall depend on the sole discretion of the bank.
26.6 On cancellation of the Card, you:
26.6.1 Must cut the Card into two halves through the magnetic stripe and return the same to the Bank. A
cancelled card must never be used.
26.6.2 Are responsible for any use of the Card including payment of Charges until the Card is returned to the
Bank cut into two halves through the magnetic stripe.
26.6.3 Must continue to make payments to the Bank in accordance with the conditions of use.
26.6.4 Eligible Cardholders Priority Pass will be blocked/cancelled for further use on becoming delinquent for
more than 30 days.
27. Exclusion of Liability
Without prejudice to the foregoing, the Bank shall be under no liability whatsoever to you in respect of
any loss or damage arising directly or indirectly out of (a) any defect in any goods or services supplied
(b) the refusal of any person to honour or accept a Card (c) the malfunction of any Electronic Terminal
(d) the giving of transaction instruction other than by you (e) any statement made by any person
requesting the return of the Card or any act performed by any person in conjunction (f) handing over
of the Card by you to anybody other than designated employees of the Bank at the Bank’s premises
(g) the exercise by the Bank of its right to demand and procure the surrender of the Card prior to the
Card Expiry Date, whether such demand and surrender made and/or procured by the Bank or by any
person, or computer terminal (h) the exercise by the Bank of its right to terminate any Card or the Card
Account or (i) any injury to your credit, character and reputation alleged to have been caused by the
repossession of the Card and / or any request for its return, or the refusal of any service
establishment/mail order establishment to honour or accept the Card (j) any misstatement,
misrepresentation, error or omission in any details disclosed by the Bank. In the event a demand or a
claim for settlement of outstanding dues from you is made either by the Bank or any person acting on
behalf of the Bank, you agree and acknowledge that such demand or claim shall not amount to be an
act of defamation or an act prejudicial to or reflecting upon your character, in any manner.
28. Default
28.1 You accept that the Bank shall have the right to exercise any or all rights under the said Agreement if
there is any default in discharging the obligations under the Cardmember Agreement.
28.2 You acknowledge that the Bank reserves the right to cancel the Card facility if there is a default in
obligations related to any other credit facility extended to you by the Bank and vice versa.
29. Services provided by Visa International
29.1 There may be certain emergency services provided to you by VISA International. Such services are
provided by VISA through third party agents. You are responsible for the cost incurred in availing such
emergency services provided by/through VISA International.
29.2 Assistance is provided on best effort basis by/through VISA International.

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 29.3 The Bank in India, or anywhere in the world, does not accept the responsibility for the arrangement or
use of services provided by/through VISA International.
30. Disclosure
AU Small Finance Bank may have tie-up with credit bureaus authorized by RBI and will share credit
information, including but not limited to your current balance, payment history, demographic details,
etc. The credit bureaus do not provide any opinion, indication or comment, pertaining to whether credit
should or should not be granted. It is in your best interest to maintain a good credit history by paying
the necessary dues in a timely manner. With credit bureaus in place, responsible customers can
expect faster and more competitive services at better terms from credit grantors. Information
regarding Default by customers would be available with credit bureaus, which in turn would impact
your credit worthiness for future credit requirements.
AU Small Finance Bank will report customer information to credit bureaus on a monthly basis, or such
other time period as may be agreed between the Bank and the credit bureaus.In case of any billing
dispute notified to AU Small Finance Bank, AU Small Finance Bank will suspend reporting to credit
bureaus till the dispute is resolved. The Cardmember acknowledges that AU Small Finance Bank is
authorized to share information relating to Cardmember/Add-on Cardmember(s), including
information relating to any default committed by the Cardholder in discharge of his/her obligation, as
may deem appropriate and necessary, with any existing or future credit bureaus as determined by the
Bank from time to time. Accordingly, the Cardholder gives consent and confirms having obtained
consent from Add-on Cardmember(s) to disclose information to such credit bureaus. Such entities
may further make available processed information or data or products thereof, of banks / financial
institutions and other credit grantors.
Credit Bureaus includes Credit Bureaus, Credit Reference Agencies, Credit Information Companies
or any other entity formed and authorized by RBI for the purpose of collecting, collating and
disseminating credit information pertaining to borrowers.
30.1 You hereby expressly give consent to the Bank for the purposes of credit verification or reference
checks, protection of its interests etc., to disclose all/any information/documents relating to you/this
Agreement and/or any other Agreement with other Banks, credit bureaus and financial institutions.
30.2 You hereby authorize the Bank or its representatives to contact your employer, banker, or any other
source to obtain and/or verify any further information that may be required.
30.3 You further authorize the Bank to disclose such information to Reserve Bank of India (RBI), Income
Tax authorities, Credit Rating Agencies, or any other Government or regulatory authorities/bodies/
departments as and when so demanded. You further authorize the Bank to verify, share and/or
disclose your name to the aforesaid authorities including banks, financial institutions, credit bureau/
agencies, data banks, third parties in the event you default in payment or compliance of the Terms and
Conditions of this Agreement.

Last updated on 16th Apr'2024

 30.4 You further acknowledge that the Bank shall also be entitled to disclose all such information/
documents etc. to any Court, Tribunal, Arbitrator if so directed/required.
30.5 Upon receipt of adverse reports (relating to your credit worthiness or your family members), the Bank
may cancel the Card, whereupon the entire outstanding balance in the Card Account as well as any
further charges incurred by use of the Card, though not yet billed to the Card Account, shall
immediately become due and payable by you. The Bank is not obliged to disclose the name of the
Bank, institution or body wherefrom it received such information about you.
30.6 You specifically waive the privilege of privacy, confidentiality and secrecy with regard to the
aforesaid information.
31. Assignment/Securitization
You expressly recognize and accept that the Bank shall be absolutely entitled to sell, assign or transfer
in any manner (including through the drawing of a negotiable instrument or otherwise), in whole or in
part, and on such terms as the Bank may decide (including reserving a right to the Bank to proceed
against you on behalf of any purchase, assignee or transferee) your outstanding and dues to any third
party of the Bank’s choice, without reference to or without written intimation by the Bank to you, and
any such assignment or transfer shall bind you to accept such third party as a creditor exclusively or
as a joint creditor with the Bank, but with the right to the Bank to continue to exercise all power
hereunder on behalf of such third party, and to pay such outstanding and dues to such third party, or
to appropriate the same, as the Bank may decide. Any costs incurred by the Bank towards
enforcement of its rights and recovery of outstanding dues shall be debited to your account.
32. Miscellaneous
32.1 Where the Bank acts on good faith in response to any oral or electronic instruction or inquiry by you in
respect of any matter in relation to the Card, you will not be entitled to claim or allege any loss,
damage, liability, expenses etc., attributable directly or indirectly, to any such good faith action of the
Bank, and you agree to hold the Bank harmless in respect thereof.
32.2 Till the outstanding on the Card Amount is cleared in full, the cardmembers liabilities under this
Cardmember Agreement shall not be discharged off.
32.3 The Total Outstanding on the Card Account in addition to the amount of any Charges effected but not
yet charged to the Card Account, will become immediately due and payable in full to the Bank in the
event of bankruptcy, insolvency, dissolution or winding up of a corporate body of a Cardmember, or
death of the Primary Cardmember. The Primary Cardmember’s estate will be responsible for setting
off any outstanding on the Card Account and should keep the Bank indemnified against all costs
including legal fees and expenses incurred in recovering such outstanding. Charges on Revolving
Credit until such outstanding on the Card account has been repaid in full, the Bank will continue to levy
Charges on Revolving Credit at its prevailing rate.
32.4 The Card Account would also be liable to be suspended on instructions from any Government

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 /Regulatory Body. All amount outstanding on the Card shall be deemed to have immediately become
due on instructions from Government/Regulatory Bodies as the case may be, and the Bank shall be
entitled to recover the same in accordance with the relevant laws in force without prejudice to your
obligation to forthwith pay all outstanding.
32.5 The Bank shall, from time to time be entitled to add to and/or amend all or any of these Terms and
Conditions, which shall be communicated in writing to you. You will be bound by such amendments,
unless all the outstanding in the Card Account is paid and the Card is returned to the Bank for
cancellation, or cut in half before the date upon which any amendment is to have effect.
32.6 The Bank shall, at its sole discretion, add any new or withdraw any existing facility or features available
to you under these Terms and Conditions.
32.7 All published information is correct and complete at the time of printing. The Bank cannot assume
responsibility for changes, which occur after printing.
33. Right to set off/Banker’s lien
In the event of your delaying or being unable to settle your Credit Card outstanding as provided in this
Agreement, for any reason whatsoever, the Bank may exercise its right of General Lien, and/or set off
and adjust any such outstanding against a property or assets (both moveable and immoveable) in
possession of the Bank from time to time, including but not limited to amounts lying in fixed deposits,
and/or in other accounts with the Bank, property, assets (both moveable and immoveable), securities,
stocks, shares, monies, and the like of the Primary Cardmember and the Add-on Cardmember (s) that
are or may be in the possession of the Bank, or may come into the possession of the Bank from time
to time, irrespective of them or anyone or more of them being held in safe custody by the Bank or
otherwise.
34. Waiver/Acquiescence
No delay in exercising, or omission to exercise any right, power or remedy accruing to the Bank, upon
any default under this Agreement, or any other agreement or document, shall impair any such right,
privilege, power or remedy, nor shall it be construed to be a waiver/forbearance thereof, or any
acquiescence in such default; nor shall, the action or inaction of the Bank in respect of any default or
any acquiescence by it in any default, affect or impair any right, power or remedy of the Bank in
respect of any subsequent or similar default.
35. Arbitration Clause
All disputes, differences and/or claim or questions arising out of these presents, or in any way touching
or concerning the same, or as to constructions, meaning or effect thereof, or as to the right, obligations
and liabilities of the parties hereunder shall be referred to and settled by arbitration, to be held in
accordance with the provisions of the Arbitration and Conciliation Act, 1996, or any statutory
amendments thereof, of a sole arbitrator to be nominated by the Lender/Bank, and in the event of
death, unwillingness, refusal, neglect, inability or incapability of a person so appointed to act as an

Last updated on 16th Apr'2024

 arbitrator, the Lender/Bank may appoint a new arbitrator to be a sole arbitrator. The arbitrator shall not
be required to give any reasons for the award, and the award of the arbitrator shall be final and binding
on all parties concerned. The arbitration proceedings shall be held in Jaipur.
36. Prohibition Clause:
International Credit Cards cannot be used on internet or otherwise for purchase of prohibited items like
lottery tickets, banned or proscribed magazines, participation in sweepstakes, payment for callback
services, and/ or such items/activities for which no withdrawals of foreign exchange is permitted.
37. Jurisdiction and Governing Law
37.1 All disputes arising out of and/or relating to this Cardmember Agreement shall be subject to the
exclusive jurisdiction of competent courts at Jaipur, India.
37.2 This Agreement shall be governed by the laws of India.
38. References
38.1 Reference to any gender shall include all genders and reference to single number shall include
reference to plural number and vice versa, in context thereto.
39. Acceptance
39.1 You have read and understood the entire Cardmember Agreement constituting of 37 Clauses and
agree to be bound by all the conditions stated herein.
39.2 You accept that Terms and Conditions and other documents with regard to Credit Card have been
explained in the language understood by you, and that you have understood the entire meaning of
various clauses.
39.3 Usages of Card indicates acceptance of the Terms & Conditions laid out in the Cardmember
Agreement.
40. Declaration
Card Member acknowledges that any default committed by him/her towards payment of the charges,
shall affect his/her records in the CIBIL report and in the reports of other Credit Information Companies
authorized by the regulators.
41. NPA Classification :
Example No. - 1 (Credit Card)
IRAC Circular Reference Para No. 4.2.19.2 - A credit card account will be treated as non-performing asset
if the minimum amount due, as mentioned in the statement, is not paid fully within 90 days from the payment
due date mentioned in the statement.
Example Description - NPA Classification on Credit Card.
Example Detail: If Minimum Amount due (MAD) of a credit card account as on March 31, 2021, and MAD are

Last updated on 16th Apr'2024

 not received before the lending institution runs the day-end process for this date, the date of overdue shall be
March 31, 2021. If it continues to remain overdue, then this account shall get tagged as SMA-1 upon running
day-end process on April 30, 2021 i.e. upon completion of 30 days of being continuously overdue. Accordingly,
the date of SMA-1 classification for that account shall be April 30, 2021.
Similarly, if the account continues to remain overdue, it shall get tagged as SMA-2 upon running day-end
process on May 30, 2021 and if continues to remain overdue further, it shall get classified as NPA upon running
day-end process on June 29, 2021. The same is explain as below mention table:

Date Reporting Date MAD Amount DPD Classification

31-Mar-21 (MAD Due Date) 1000 1
30-Apr-21 2000 31 SMA-1
30-May-21 3000 61 SMA-2
29-Jun-21 4000 91 NPA

IRAC Circular Refer Para No. 4.2.5 - If arrears of interest and principal are paid by the borrower in the case of
loan accounts classified as NPAs, the account should no longer be treated as nonperforming and may be
classified as ‘standard’ accounts.
Example Description - Upgradation of NPA Account loan accounts classified as NPAs may be upgraded as
‘standard’ asset only if entire arrears (MAD amount) of interest and principal are paid by the borrower.

Date Reporting Date MAD Amount DPD Classification

31-Mar-21 (MAD Due Date) 1000 1
30-Apr-21 2000 31 SMA-1
30-May-21 3000 61 SMA-2
29-Jun-21 4000 91 NPA
30-Jun-21 4000 Upgradation*
*Upgradation of Account is Possible after total pending MAD due of Rs. 4000 is received from borrower.
Example No. - 2
IRAC Circular Reference Para No. 4.2.7 (c) - Asset Classification to be borrower-wise and not facility-wise.
Para No. 4.2.7.1 - It is difficult to envisage a situation when only one facility to a borrower/one investment in any
of the securities issued by the borrower becomes a problem credit/investment and not others. Therefore, all the
facilities granted by a bank to a borrower and investment in all the securities issued by the borrower will have
to be treated as NPA/NPI and not the particular facility/investment or part thereof which has become irregular.
Example Description - NPA Classification on based on borrower wise and not facility wise.
Example: If any Facility of customer is get classified as NPA upon running day-end process as on date.
The same customer all the facility need to get classified NPA upon same day.
Last updated on 16th Apr'2024
The same is explained in below mentioned table:-
IRAC Circular Refer Para No. 4.2.5 - If arrears of interest and principal are paid by the borrower in the case of
loan accounts classified as NPAs, the account should no longer be treated as nonperforming and may be
classified as ‘standard’ accounts.
Example Description - Upgradation of NPA Account loan accounts classified as NPAs may be upgraded if all
the above example parameter are fulfill in all the facility of the borrower.

Customer ID Facility Name Date NPA Reason

A Term Loan 1 29-Jun-21 NPA Classified as per

above Example
A Term Loan 2 29-Jun-21 NPA Classified Due to
Customer A Term Loan 1
A Cash Credit/Overdraft 29-Jun-21 is classified NPA

IRAC Circular Refer Para No. 4.2.5 - If arrears of interest and principal are paid by the borrower in the case of
loan accounts classified as NPAs, the account should no longer be treated as nonperforming and may be
classified as ‘standard’ accounts.
Example Description - Upgradation of NPA Account loan accounts classified as NPAs may be upgraded if all
the above example parameter are fulfill in all the facility of the borrower.

Customer ID Facility Name Date NPA Reason

A Term Loan 1 29-Jun-21
A Term Loan 2 29-Jun-21 NPA Classified Due to Customer A Term Loan 1 is
A Cash Credit/Overdraft 29-Jun-21 classified NPA

A Term Loan 1 15-Jul-21

A Term Loan 2 15-Jul-21 Upgrade*
A Cash Credit/Overdraft 15-Jul-21

*Upgradation of Borrower is Possible after all the above parameter of upgradation are fulfill in all the facility of
the borrower.

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