AU Small Finance Bank Credit Card Late Payment Charges
Last Updated : June 18, 2025, 5:42 p.m.
Defaulting on your AU Small Finance Bank credit card bill not only attracts a late fee but also causes a dip in your CIBIL score . Whether you have a Zenith, Altura, Vetta, LIT, Ixigo AU, or any other AU Small Finance Bank credit card, understanding the applicable late payment charges is crucial for keeping up your credit health.
This detailed 2025 guide breaks down AU Small Finance Bank credit card late payment charges, compares them with top banks, and covers cash withdrawal charges, forex fees, and other card-related costs.
AU Small Finance Bank Credit Card Late Payment Charges 2025
Late fees are applied when you default on paying the Minimum Amount Due (MAD) by the due date.
| Outstanding Amount (₹) | Late Payment Fee (₹) |
|---|---|
Up to ₹100 | Nil |
₹101 – ₹500 | ₹100 |
₹501 – ₹5,000 | ₹600 |
₹5,001 – ₹10,000 | ₹700 |
₹10,001 – ₹20,000 | ₹800 |
₹20,001 – ₹50,000 | ₹1,100 |
Above ₹50,000 | ₹1,300 |
GST at 18% is applicable on these charges
Important : Missing your AU Bank credit card payment can lead to a 50–100 point dip in your CIBIL score. Set payment reminders or enable auto-debit to stay protected.
AU Small Finance Bank Cash Withdrawal Charges
Withdrawing cash from your AU Bank credit card is costly and should be used only during emergencies.
| Charge Type | Details |
|---|---|
Cash Advance Fee | 2.5% of withdrawn amount or ₹500 (whichever is higher) |
Interest Rate | ~3.5% monthly (from transaction date) |
Interest-Free Period | Not applicable on cash withdrawals |
Overlimit Charges | 2.5% of overdrawn amount (Min ₹500) |
Always repay cash withdrawals quickly to avoid high interest accrual.
AU Small Finance Bank Credit Card Forex Markup Charges
When you spend internationally or shop online in foreign currency, forex markup fees apply.
| Card Variant | Forex Fee |
|---|---|
Zenith+ Credit Card | 0.99% |
Zenith Credit Card | 1.99% |
Ixigo AU Credit Card | 0% (No forex markup) |
Standard AU Credit Cards | 3.5% (default rate) |
Choose Zenith+ or Ixigo AU if you travel often or make international purchases.
Other Fees for AU Small Finance Bank Credit Cards
Notes:
- GST at 18% applies to all fees.
- Priority Pass complimentary lounge visits are card-variant-specific; post‑expiry, standard usage charges apply
- Fair usage charges trigger when monthly spend in MCC categories (fuel, utility, education, rentals) exceeds defined limits.
- Interest-free period (18–48 days) does not apply to cash advances, balance transfers, or EMI transactions.
How Late Payments Impact Your CIBIL Score?
Missing a single credit card payment for your AU credit cards can result in the following:
- Lower your CIBIL score by 50–100 points
- Increase your interest burden
- Trigger higher minimum due in the next cycle
- Stay on your credit report for many years, impacting future loan approvals.
Tip: Set up auto-debit for at least the minimum due amount to stay safe.
Comparison: AU Small Finance vs Other Bank Late Fees
| Bank | Late Fee Range | Max Late Fee (₹) |
|---|---|---|
AU Small Finance Bank | ₹100 – ₹1,300 | ₹1,300 |
SBI Card | ₹400 – ₹1,300 | ₹1,300 |
HDFC Bank | ₹100 – ₹1300 | ₹1,300 |
ICICI Bank | ₹100 – ₹1,300 | ₹1,300 |
Axis Bank | ₹100 – ₹1,200 | ₹1,200 |
Tips to Avoid AU Credit Card Late Fees
- Activate Auto-Debit for minimum/full due.
- Set calendar/SMS alerts for due dates.
- Use AU 0101 or Wishfin app for payments.
- Pay in full or more than minimum to avoid interest buildup.
- Monitor your CIBIL score monthly via Wishfin. You can check your credit score for free.
Conclusion
Understanding AU Small Finance Bank Credit Card Late Payment Charges is crucial for managing your finances wisely. Late fees, forex markups, and cash advance interest can all hurt your wallet and your CIBIL score. Choose the right AU card based on your usage (travel, shopping, etc.), track due dates carefully, and pay on time.
Frequently Asked Questions (FAQs)
