No PIN, No Worries!
Escape the struggle to remember multiple PINs or saving them on your phone. With contactless payment, you don’t need to hand your card or share the card information with anyone for making payments.
Secure Payments
Based on NFC technology for reading card information and real-time notifications, contactless mode is as safe as other modes of payments.
Convenience Redefined
With just a tap. it enhances the overall in-store shopping experience. You easily avoid waiting in long queues at the billing counters and enjoy reduced payment processing time.
What is a contactless payment on AU Credit Card?
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Contactless mode or Tap & Pay allows you to make payments up to ₹5000 by simply tapping your contactless-enabled cards or digital card added on your mobile phone against a POS machine without the need to insert your card or enter PIN. It enhances the overall experience with lightning-fast and completely safe payments.
How to enable contactless payments?
- On website
- On app
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1
Visit the 'Manage Credit Card' page.
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2
Enter your credit card details and click on get OTP.
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3
Enter the OTP received on your registered mobile number.
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4
Click on 'Enable/Disable transaction types'. Activate the toggle button to enable contactless mode for domestic/international transactions.
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5
Click 'Submit'.
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1
Go to 'Credit Card' tab on the home page
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2
Tap 'Manage Credit Card'
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3
Go to 'Manage Credit Card Limit'
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4
Scroll down to 'Contactless Usage'
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5
Enable Contactless Usage and set limit
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6
Confirm using mPIN
Types of Contactless Transactions
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1
Physical Card
Tap your physical card at any POS machine, no need to swipe or insert your card.
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2
Mobile Tap & Pay
Add your card on your digital wallets like Google Pay and Samsung Pay and Tap & Pay via your mobile phones. No need to carry your physical cards!
Steps to add your card on Mobile Apps
- Google Pay
- Samsung Pay
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1
Open the Google Pay app on your Android mobile phone (Google Pay on Play Store)
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2
Tap on “Tap & Pay” on the home screen section
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3
Turn on NFC in the phone settings and ensure Google Pay is set as default payment app
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4
Enter your AU VISA Credit Card details manually or scan the card
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5
Follow the on-screen verification steps
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6
Your card will be added and ready for contactless payments, once verified
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7
Make sure contactless payments are enabled for your card on the AU 0101 App/Netbanking.
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1
Open the Samsung Pay app
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2
Go to “My Wallet” section & tap on “Credit/debit cards” icon
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3
Tap on “+” sign on right top of the screen
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4
Enter your AU Credit Card details or scan the card.
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5
Complete the OTP verification.
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6
Your card will be added and ready for contactless payments.
What makes contactless payments secure?
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Contactless payment can be completed by tapping or waving (only within 4cm) against POS machine. Based on NFC technology the encrypted card details are read by the card reader without the need for entering any other information.
The dependency of PIN or entering additional information at the time of making payment is also removed which makes fraudulent transaction a rare event.
Bank also provides insurance coverage for fraudulent payments. See FAQs for details.
Enable Contactless mode on your AU Credit Card now: Click here
Contactless Payment on AU Credit Card FAQs
Can all Credit Cards be used for contactless transaction?
A credit card that has a contactless indicator symbol (like a WiFi symbol) on it, can be used for Tap & Pay transactions. However, contactless mode is to be enabled first on your Credit Card.
How to enable contactless payment mode on AU Credit Card?
Steps on AU 0101 App
- Login to AU 0101 app with your credentials.
- Click on Manage Credit Card limit.
- Enable contactless mode & set payment limit.
- Submit & Enter PIN for final confirmation.
- To visit our website and enable contactless mode now, Click Here.
Bank Website Steps:
- To visit Manage Credit Card page, Click Here.
- Enter your registered mobile number and click on Get OTP.
- Enter the OTP received on your mobile number.
- Click on “Enable/Disable Transaction Types”. Activate toggle button to enable Contactless mode on Domestic/International transactions. Click on Submit.
Offers existing on AU Credit Cards where contactless mode of payment can be used?
You can use contactless payments on AU Credit Card to enhance your in-store shopping experience and pay for up to Rs. 5000 without PIN. Please check our current Credit Card Offers on https://offers.au.bank.in/
Are contactless payments safe?
Contactless payments are based on NFC technology to transmit encrypted payment information which is as safe as other modes of payments. Additionally Bank also provides insurance cover for fraudulent contactless transactions.
Bank insurance policy for fraudulent contactless transactions?
A customer is entitled to receive Card Liability Cover for fraud contactless transaction subjective to all the terms and conditions being met as per the insurance policy.
- Insurance policy covers any loss arising out of unauthorized / fraudulent usage of lost or stolen cards on ATM/POS/EDC terminal/E-commerce anywhere in the world.
- It is applicable only to active primary credit cardholders. An Active Credit Card is the card with one transaction/activity on any ATM/POS/e-commerce terminal in the last 180 days from the date of loss.
- The card should be blocked/cancelled within 7 days from the date of notification of fraud transaction via SMS/Card statement/Email/Net Banking or by any other means by card holder.
- Intimation of claim to the bank should be made within 60 days from the date of blocking or date of receiving the statement whichever is earlier.
More details of the policy are mentioned here.
What makes contactless payments secure?
Contactless payment can be completed by tapping or waving (only within 4cm) against POS machine. Based on NFC technology the encrypted card details are read by the card reader without the need for entering any other information. The dependency of PIN or entering additional information at the time of making payment is also removed which makes fraudulent transaction a rare event. Bank also provides insurance coverage for fraudulent payments. See FAQs for details.
Enable Contactless mode on your AU Credit Card now: Click here
