I hereby apply for AU BANK Credit Card and declare that the information included in this application is true & correct and that I am eligible to apply for an internationally valid card.
I accept that AU BANK is entitled in its absolute discretion to accept or reject this application. It is my responsibility to obtain the Terms & Conditions applicable to the AU BANK Credit Card separately and read the same. I will be bound by the Terms & Conditions as may be in force from time to time and receipt /use of the card shall be deemed to be acceptance of those Terms & Conditions.
I authorize AU Bank to fetch my KYC and demographic information from UIDAI and government KYC repositories. For detailed UIDAI Terms & Conditions, please click https://www.aubank.in/aadhar-consent
I authorize AU Bank to make enquiries in Credit Bureaus including CIBIL to fetch my Bureau data and records.
I authorise AU BANK and/or its associates to verify relevant information at my office/ residence or to contact me/my employer/Banker/Credit Bureau/RBI/ Telecom Service provider or any other source to obtain or provide any information that may be required for confirming membership requirements or maintaining my account in good credit standing.
I agree to be charged my card fee in my statement. In case I have applied for Add-on Card(s) I will be billed for such an Add-on Card in the normal monthly statement. I, the primary applicant, will be liable for all charges incurred on Primary or on the Add-on Card(s) issued on the account and each Add-on applicant will be liable for all charges incurred with Add-on Card jointly and severally with the holder of the primary card. The facility of Add-on Card(s) being special facility at a concessional fee/rate, continuation of the Add-on Cardmember/s will be dependent on the continuation of my membership.
I understand and undertake that the usage of AU Bank Credit Card(s) shall be strictly in accordance with exchange control regulations, of the Regulatory Authorities as applicable from time to time which I undertake as my responsibilities to keep myself updated of, and in the event of any failure to do so, I will be liable to action under the Foreign Exchange Management Act. 1999 or its statutory modification or re-enactment thereof. I confirm that I have no Insolvency proceedings pending against me nor have I ever adjudicated insolvent. The Bank will be entitled to cancel my Cards(s) at any time without assigning any reasons. I understand Goods & Services Tax will be levied on fees, interest, and other charges, as per government guidelines. I am aware that the Bank reserves right not to return the supporting financial documents given by me along with the application.
I confirm that basis my eligibility AU BANK shall at its sole discretion reserves the right to issue any existing card product in their portfolio. Credit limit on any card account may be reviewed as per the Bank policy specified from time to time.
The Bank reserves the right to decrease and/or unconditionally cancel the limit assigned to the card and intimate the Cardmember (s) about the same. In such a stand the Bank will inform immediately including the reason thereof, by SMS/ e-mail followed by confirmation in writing. I also understand and agree to the fact that the Bank is authorised to change any or all the Terms & Conditions of the Schedule of Charges with due intimation to the Customer (s). Changed Terms & Conditions shall be communicated through the Bank's website and by other acceptable modes of communication. I authorise the Bank to record specific conversations between me/my/ representative and the Bank's representative. in case of grievance-related conversations or payment-recovery related conversations or any other conversation that the Bank may deem fit at its own discretion. I agree to abide by any Terms & Conditions as may be added/amended by the Bank from time to time with due intimation to the Customer (s), regarding this Credit Card/ any other facility/loan product that I avail through this Credit Card or any other Credit Card that I may be issued by the Bank in the future. I am aware that my new Credit Card would be automatically registered for AU BANK Net Banking in case I am a Net Banking Customer. I confirm that I do not have any existing Customer ID apart from the one mentioned above, and in case found otherwise Bank reserves the right to consolidate the Customer IDs under a single Customer ID as it may decide, without any prior notice to me. I authorise AU BANK to make any enquiries regarding my application & give consent to the Bank to disclose without notice to me, information furnished by me in application form(s)/related documents executed in relation to the facilities availed from the Bank, other Branches/Subsidiaries/Affiliates, Credit Bureaus/Rating Agencies, Service Providers, as it deems fit. I acknowledge that the Bank may assign any activities related to the Credit Card operations to any service provider appointed by the Bank, whether located in India or overseas and whether AU BANK Group entity or a third party, at its sole discretion, in accordance with the applicable guidelines of the Reserve Bank of India (RBI). I further acknowledge the right of the Bank, and hereby expressly give my consent thereto, to provide/share details of my account/application(s) to such service providers as the Bank may engage from time to time for the activities related to the Credit Card operations.
I hereby consent to receiving information from Central KYC Registry through SMS/Email on the registered number/email address. I also confirm that my preferred language of communication is English unless confirmed otherwise.
I also give my consent for receiving product, service, and other Bank-related information from AU Small Finance Bank Ltd. and its other co-brand credit card partners on the registered modes of correspondence.
I agree to participate in any or all of the card upgrade programs or Limit enhancement programs that the Bank may conduct on my card account from time to time as part of periodic portfolio reviews.
Skimming Undertaking:- Skimming is defined as the compromise of the full data encoded on a genuine credit card, including the CVV, followed by the transfer of this data onto the counterfeit card. I confirm that the Bank has informed me about the various Risks (including but not limited to fraudulent usage, lost card & skimming risk) associated with high credit limits set on individual cards. I have independently evaluated and understood the risks and have made an informed decision to request the Bank in setting up high credit limit on the individual card. I agree and undertake full and absolute liability on the card keeping in mind the risks as above mentioned.
Skimming Undertaking:- Skimming is defined as the compromise of the full data encoded on a genuine credit card, including the CVV, followed by the transfer of this data onto the counterfeit card. I confirm that the Bank has informed me about the various Risks (including but not limited to fraudulent usage, lost card & skimming risk) associated with high credit limits set on individual cards. I have independently evaluated and understood the risks and have made an informed decision to request the Bank in setting up high credit limit on the individual card. I agree and undertake full and absolute liability on the card keeping in mind the risks as above mentioned.
I agree that bank would be sharing the information related to credit history/repayment record of the card holder to a credit information company (authorized by RBI) as per credit information companies (Regulation) Act, 2005.
Anti-Money Laundering Regulations:- I am the beneficial owner of all assets run through my accounts(s) opened with AU Small Finance Bank Ltd. The beneficial owner of some/all assets run through the accounts is/are name and address of person for whom the accounts are maintained, the competent court, as decided by the Bank shall have exclusive jurisdiction in respect of any claims against the Bank. However, this will not affect the Bank's general lien and right of off-set over all my accounts at all branches of the Bank and for this purpose the Bank shall be entitled to combine and consolidate all or any of such accounts.
I undertake that the Bank can seek my latest information and collect the required KYC documents on periodical basis in compliance with applicable regulatory guidelines. I will update the Bank in case of any change in my details provided at the time of applying Credit Card which includes address change, change in industry, change of employment, etc.
FEMA Declaration:- I hereby declare that the transactions relating to foreign exchange routed through your Bank do not involve and are not designed for the purpose of any contravention or evasion of the provisions of the aforesaid Act or of any rule, regulations, direction, or order made hereunder. I also hereby agree and undertake to give such information/documents as well reasonably satisfy you about the transactions in terms of the above declaration.
GST Guidelines:- State of GSTIN and state mentioned in communication address should be the same for correct invoicing. In case of a difference, the communication address is to be modified accordingly before submission of GSTIN details.The determination of the location of supplier of service is the sole responsibility of AU Small Finance Bank and would be determined basis applicable tax laws,**For definition of related party, please visit www.aubank.in/knowledge-center/gst-related-party
I hereby agree that I do not have any physical disability and illness.
