AU Bank Credit Card Customer Care: Complaint Number, Email and Grievance Redressal Steps (2026)
News
by
Wisor
A charge on your AU Bank credit card you don't recognise. A reward credit that never came, a fee that wasn't supposed to be there, or a closure request stuck in limbo. You've called customer care, and it still isn't fixed.
AU Small Finance Bank has a clear four-level grievance process, with a Regional Nodal Officer for your state and a Principal Nodal Officer above that. Here's how to raise an AU Bank credit card complaint and escalate it, step by step.
AU Bank credit card customer care: quick contacts
What you need | Contact |
|---|---|
AU credit card customer care (24x7, toll-free) | 1800 1200 1500 |
AU credit card customer care (non-toll-free) | 0141-7141100 |
AU Bank customer care for banking (toll-free) | 1800 1200 1200 |
AU Bank complaint email ID | customercare@aubank.in (AU says it replies within 2 days) |
Online complaint | The complaint form on AU Bank's raise-a-complaint page, internet banking or the AU 0101 app |
Level 2: Regional Nodal Officer | rno.[your region]@aubank.in (full list below) |
Level 3: Principal Nodal Officer | pno@aubank.in or 0141-6660645 |
Card fraud | Block the card through customer care or the app, then also report it on the National Cyber Crime Helpline, 1930 |
Is AU Bank credit card customer care 24x7? Yes. AU lists its customer care, including the credit card helpline 1800 1200 1500, as 24x7.
How to raise an AU Bank credit card complaint: step by step
Step 1 (Level 1): Register your complaint
Call: 1800 1200 1500 (credit cards, toll-free) or 0141-7141100
Email: customercare@aubank.in
Online: the complaint form on AU's website, internet banking or the AU 0101 mobile app
Video banking or branch: AU also offers video calls and branch visits
Note down your complaint reference number.
Step 2 (Level 2): Escalate to your Regional Nodal Officer
If your complaint isn't resolved to your satisfaction within 7 days, AU's grievance redressal mechanism lets you escalate to the Regional Nodal Officer for your state:
Region | Regional Nodal Officer email |
|---|---|
Rajasthan | rno.jaipur@aubank.in |
Madhya Pradesh | rno.bhopal@aubank.in |
Chhattisgarh | rno.raipur@aubank.in |
Maharashtra and Goa | rno.mumbai@aubank.in |
Delhi, Ghaziabad and Gautam Budh Nagar | rno.delhi@aubank.in |
Himachal Pradesh, Punjab and Chandigarh | rno.chandigarh@aubank.in |
Haryana | rno.haryana@aubank.in |
Jammu & Kashmir and Ladakh | rno.jammu@aubank.in |
Uttar Pradesh (other districts) and Dehradun | rno.kanpur@aubank.in |
Gujarat | rno.ahmedabad@aubank.in |
Karnataka | rno.bangalore@aubank.in |
Kerala | rno.kerala@aubank.in |
Tamil Nadu | rno.chennai@aubank.in |
Telangana and Andhra Pradesh | rno.hyderabad@aubank.in |
West Bengal | rno.kolkata@aubank.in |
Odisha | rno.bhubaneshwar@aubank.in |
Bihar | rno.patna@aubank.in |
Jharkhand | rno.ranchi@aubank.in |
Assam | rno.guwahati@aubank.in |
AU's grievance redressal PDF, linked from its raise-a-complaint page, also gives each Regional Nodal Officer's postal address.
Step 3 (Level 3): Escalate to the Principal Nodal Officer
If it's still not resolved after a further 7 days, escalate to AU's Principal Nodal Officer:
Email: pno@aubank.in
Phone: 0141-6660645
Post: Principal Nodal Officer, AU Small Finance Bank Limited, CP3-235, Industrial Area, Apparel Park, Mahal Road, Jagatpura, Jaipur, Rajasthan – 302020
Quote every earlier reference number and attach AU's replies.
If AU decides to reject your complaint fully or partly, RBI rules require its Internal Ombudsman to review it before the final reply. That happens inside the bank; you don't need to apply for it.
Step 4 (Level 4): Go to the RBI Ombudsman
If your complaint is still unresolved within 30 days, AU's page says you can approach the RBI Ombudsman:
Online: cms.rbi.org.in, where you can also track your complaint
Email: crpc@rbi.org.in
Help line (not for filing): 14448
Post: Centralised Receipt and Processing Centre, Reserve Bank of India, 4th Floor, Sector 17, Chandigarh – 160017
You must file within 90 days of AU's timeline expiring or its last reply, whichever is later. It's free, and you don't need a lawyer or an agent.
If you hold the CheQ AU Credit Card
The CheQ AU Credit Card is issued by AU Small Finance Bank, so complaints about the card itself (charges, disputes, fraud, closure) follow AU's process above. Issues with the CheQ app, like a bill payment made through CheQ or your CheQ Points, go to CheQ's support first, and then to CheQ's Grievance Redressal Officer at Gro@cheq.one.
What changed with the RBI Ombudsman in July 2026
The Reserve Bank – Integrated Ombudsman Scheme, 2026 replaced the 2021 scheme from 1 July 2026:
2021 scheme | 2026 scheme | |
|---|---|---|
Deadline to go to the Ombudsman | Within a year | Within 90 days of the bank's timeline expiring or its last reply, whichever is later |
Compensation for consequential loss | Up to ₹20 lakh | Up to ₹30 lakh |
Compensation for time, expenses and harassment | Up to ₹1 lakh | Up to ₹3 lakh |
Your rights on common AU credit card complaints
Problem | What the RBI rules say |
|---|---|
Card not closed after you asked | The bank must close it within 7 working days of your request (once dues are cleared), or pay you ₹500 a day until it's closed |
Unauthorised transaction | Report it within 3 working days of the alert and your liability is zero |
Card charged but merchant not paid | POS and online card payments must be reversed within T+5 days, or the bank pays ₹100 for every day of delay |
Changes to charges | The bank must tell you at least 30 days before a change in charges takes effect |
How to write an AU complaint that gets resolved
Your name, registered mobile number and email
The last 4 digits of your AU credit card
Transaction date, amount and reference number
Every earlier complaint number, with copies of AU's replies
What went wrong, and the exact fix you want ("reverse the ₹499 fee charged on 3 September", not "fix my bill")
Statements, SMS alerts and screenshots as proof
FAQs
What is the AU Bank credit card customer care number?
1800 1200 1500 (toll-free) or 0141-7141100 (non-toll-free). For banking queries, AU's toll-free number is 1800 1200 1200.
Is AU Bank customer care toll-free and 24x7?
Yes. AU lists 1800 1200 1500 as its toll-free credit card helpline, available 24x7.
What is the AU Bank complaint email ID?
customercare@aubank.in. AU says it responds to emails within 2 days.
What is the email ID of AU Bank's Principal Nodal Officer?
pno@aubank.in. You can also call 0141-6660645.
How do I escalate an AU Bank credit card complaint?
Start with customer care. If it isn't resolved within 7 days, write to the Regional Nodal Officer for your state (rno.[region]@aubank.in). If it's still unresolved after a further 7 days, write to the Principal Nodal Officer at pno@aubank.in. After 30 days without a resolution, you can go to the RBI Ombudsman.
Where do I complain about the CheQ AU Credit Card?
Card issues go to AU Small Finance Bank through the steps above. Issues with the CheQ app go to CheQ's support, and then to CheQ's Grievance Redressal Officer at Gro@cheq.one.
How long do I have to go to the RBI Ombudsman?
Within 90 days from when AU's response timeline expires or from its last reply, whichever is later.
