Is it possible to change the monthly billing cycle from the default period to a preferred one? How can the cardholder request a change in the billing cycle (e.g., through the app, customer service, or online banking)? Are there any restrictions or conditions for altering the billing cycle, such as a minimum number of days between changes or eligibility criteria?
AU Small Finance Bank’s credit card billing cycles typically range between 18 to 48 days, depending on the specific card variant and transaction date.
While the bank provides detailed information about how billing cycles operate, it doesn’t explicitly state whether customers can request changes to their billing cycle dates.
Customer Service Contact Information:
Phone: 1800 1200 1200 (toll-free)
Email: [email protected]
For further details, you can also visit the [AU Small Finance Bank official website] (https://www.aubank.in/).
Yes — you can request to change your credit card billing cycle with AU Small Finance Bank, thanks to revised RBI guidelines making this option available to cardholders.
Here’s what you should know and how to do it:
What the RBI Rules Say:
The RBI’s Master Direction on credit cards (2022) mandates that card-issuers must allow customers the option to modify the billing cycle at least once for each credit card.
The billing cycle is the period between two consecutive statement dates. Changing it means your statement generation date and due date will adjust accordingly.
How to Change the Billing Cycle with AU Bank:
While AU’s official site doesn’t give a detailed “click-here to change your billing cycle” flow, the RBI rules imply that you should be able to do this via one of the following:
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Customer Care / Support Hotline — calling AU Bank’s credit card customer service and asking for a billing cycle change.
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Email Request — writing to their support email to request the change.
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Online / Mobile Banking / App — AU’s credit card services via their app or net banking may offer “Statement & Payment” settings or “Credit Card Services” features for managing your cycle.
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Branch Visit — if other channels don’t work, you can visit an AU branch to place the request in person.
Things to Keep in Mind:
• You may only be allowed to change the cycle once per card (at least under the “one-time option” provision), although RBI now says “at least once” for flexibility.
• Not all desired dates may be available (some banks allow limited dates). The bank may offer you certain fixed choices for statement generation dates.
• The change may become effective from the next billing cycle (not immediately). There can be overlap with old and new cycle dates for one month.
Here’s AU Small Finance Bank’s official page for credit card services: