AU Small Finance Zero Balance Account Online

[prc1990]

Hello Folks,

Wanted to open an AU Bank Small Finance Zero balance savings account online for the benefit of Rupay Platinum Debit Card and hence, wanted to clarify the following.

1. My nearest branch is within 8 KM radius. Can I open it online? During the application I believe we need to select the nearest branch.

2. Can I only opt for a virtual debit card without ordering the physical card inorder to avoid annual charges?

3. Can I opt out for sms alerts during the account opening inorder to avoid quarterly charges?

4. Lastly anyone from Kolkata who recently opened this account?

Please respond only if you have answer to these questions.

** Please refrain posting general responses.

 

[prc1990]

@TechnoFino @Batmanbaba @AllSeeker please chime in.

 

[TheTrickySid]

@TechnoFino @Batmanbaba @AllSeeker please chime in.

1.AU bank follows a different concept, there's no concept of home branch in au bank, you can visit any branch to avail any of the services, the branch we need to select is just for name sake.

2.No, if you opt out for debit card you will not get the virtual one as well, @Batmanbaba can clarify this point better.

3.I guess we can call cc and opt out, I haven't done it yet but will do that ASAP.
Edit: Just raised a request for disabling sms alert and they raised the request it will get disabled within 24hrs 😉

4.I am from Mumbai 😉

 

[prc1990]

1.AU bank follows a different concept, there's no concept of home branch in au bank, you can visit any branch to avail any of the services, the branch we need to select is just for name sake.

2.No, if you opt out for debit card you will not get the virtual one as well, @Batmanbaba can clarify this point better.

3.I guess we can call cc and opt out, I haven't done it yet but will do that ASAP.
Edit: Just raised a request for disabling sms alert and they raised the request it will get disabled within 24hrs 😉

4.I am from Mumbai 😉

On question#1, what I wanted to understand is since my nearest branch is within 8 KM of my permanent address, am I allowed to open account online? I don't want to visit a branch.

 

[TheTrickySid]

On question#1, what I wanted understand is since my nearest branch is within 8 KM of my permanent address, am I allowed to open account online? I don't want to visit a branch.

Yes it's allowed,
BTW they have facility of video banking so you don't need to visit the bank after you open account as well, almost everything can be done using video banking

 

[prc1990]

Yes it's allowed,
BTW they have facility of video banking so you don't need to visit the bank after you open account as well, almost everything can be done using video banking

Ok thanks! During the application, is there any checkbox available to untick sms alerts bro?

 

[TheTrickySid]

Ok thanks! During the application, is there any checkbox available to untick sms alerts bro?

Nope
I disabled 15 min ago by calling the cc
BTW thanks to you, actually I had forgotten to disable it but after reading your question I remembered 😅

 

[prc1990]

Nope
I disabled 15 min ago by calling the cc
BTW thanks to you, actually I had forgotten to disable it but after reading your question I remembered 😅

Tum wohi ho na bro jo Airtel Payment Bank ka sms charges bhi waive off karyawa? 🤣

 

[Batmanbaba]

Branch is important while credit card...... As pincode is very important in au credit card.... They are not providing cc on every pin code.... They will first do credit enquiry on cibil... Then tell pincode not serviceable.....


So better select main branch or branch of posh areas... As there is no home branch concept.. You can get you work done in any branch

You will get option of entire state of your permanent and communication adddress.... You can opt any city.or any branch... Of the state.

And if u don't opt for debit card.... Then virtual will also be not available.....if u don't have any other rupay platinum debit card then take the debit card... The cost benefit ratio is very good.... Minimum 1200 savings in 177rs cost..... For year.... Amazon 20% off per month on add money on fridays.... Once per user.per month... On 500 load.... You will get 100 off... 100*12= 1200rs..

And sms alrert can be disabled via app.....

 

[TheTrickySid]

Tum wohi ho na bro jo Airtel Payment Bank ka sms charges bhi waive off karyawa? 🤣

Sahi pakde ho
Hum fokat ka paisa nahi dete inhe😁

 

[ashwink]

Sahi pakde ho
Hum fokat ka paisa nahi dete inhe😁

You are the legend 🙌

 

[prc1990]

Branch is important while credit card...... As pincode is very important in au credit card.... They are not providing cc on every pin code.... They will first do credit enquiry on cibil... Then tell pincode not serviceable.....


So better select main branch or branch of posh areas... As there is no home branch concept.. You can get you work done in any branch

You will get option of entire state of your permanent and communication adddress.... You can opt any city.or any branch... Of the state.

And if u don't opt for debit card.... Then virtual will also be not available.....if u don't have any other rupay platinum debit card then take the debit card... The cost benefit ratio is very good.... Minimum 1200 savings in 177rs cost..... For year.... Amazon 20% off per month on add money on fridays.... Once per user.per month... On 500 load.... You will get 100 off... 100*12= 1200rs..

And sms alrert can be disabled via app.....

ROI is already calculated, so clear on that 😂.

 

[ashwink]

ROI is already calculated, so clear on that 😂.

Kaise bhai😅

 

[prc1990]

Kaise bhai😅

1200 profit per year, 177 investment annually. Now you calculate 🤣.

 

[ashwink]

1200 profit per year, 177 investment annually. Now you calculate 🤣.

Mast plan hai🤣

 

[prc1990]

Mast plan hai🤣

Chilla chilla ke scheme bata mat dena 😂.

 

[prc1990]

If anyone has Rupay Platinum CC, can you please check the load money offer on Amazon this Friday and confirm back if this is working for RP CC as well? TnC says it is applicable only for RP DC.

 

[TheTrickySid]

If anyone has Rupay Platinum CC, can you please check the load money offer on Amazon this Friday and confirm back if this is working for RP CC as well? TnC says it is applicable only for RP DC.

It works with rupay platinum dc from au bank

 

[skvignesh]

Hello Folks,

Wanted to open an AU Bank Small Finance Zero balance savings account online for the benefit of Rupay Platinum Debit Card and hence, wanted to clarify the following.

1. My nearest branch is within 8 KM radius. Can I open it online? During the application I believe we need to select the nearest branch.

2. Can I only opt for a virtual debit card without ordering the physical card inorder to avoid annual charges?

3. Can I opt out for sms alerts during the account opening inorder to avoid quarterly charges?

4. Lastly anyone from Kolkata who recently opened this account?

Please respond only if you have answer to these questions.

** Please refrain posting general responses.

1. My nearest bank is 500kms, they will auto select nearest bank using your pin code during vkyc.

2. I opened last week asked for virtual card only, they said physical card will automatically delivered...

Also to use app it ask to verify using debit card for 1st time..

But it's better many offers from swiggy, Amazon, bookmyshow, etc...so you will take 177rs back easily.


3. Yes there is option to disable sms alerts inside app..i also disabled

 

[AllSeeker]

1. My nearest bank is 500kms, they will auto select nearest bank using your pin code during vkyc.

2. I opened last week asked for virtual card only, they said physical card will automatically delivered...

Also to use app it ask to verify using debit card for 1st time..

But it's better many offers from swiggy, Amazon, bookmyshow, etc...so you will take 177rs back easily.


3. Yes there is option to disable sms alerts inside app..i also disabled

Could you tell where? I find their app little confusing since I see not titles, probably due to mobile theme or something but it's kind of irritating.