AU Small Finance Bank has built a strong presence in the banking sector by offering simple, convenient, and customer-focused financial solutions. The bank provides a wide range of services that meet the changing needs of individuals, families, and businesses. With its focus on digital banking, security, and easy access to financial services, AU Small Finance Bank continues to make everyday banking more convenient for its customers.
Debit cards have become an essential part of modern banking, making payments, shopping, and cash withdrawals quick and hassle-free. AU Small Finance Bank offers multiple debit card options, each designed with different customer requirements in mind. Whether you are looking for a card for daily transactions, better spending flexibility, shopping benefits, or lifestyle advantages, there is an option to match your needs.
In this guide, we will explore some of the best AU Small Finance Bank debit cards, their features, benefits, and how they can help you enjoy a smoother and more rewarding banking experience.
Explore the Best AU Small Finance Bank Debit Cards
Given below are the popular debit cards from AU Bank. These debit cards offer many features and benefits to their customers.
AU Royale Business Debit Card
The AU Royale Business Debit Card is a premium debit card especially for business owners who need a convenient and secure way to manage their business transactions. It allows users to make high-value payments and cash withdrawals with a daily limit of up to ₹5 lakh, making it useful for handling regular business expenses. The card has a joining fee of ₹1,399 + GST, while replacement or reissuance of the card costs ₹200 + GST.
The card also offers benefits like complimentary domestic airport lounge access, lower forex charges for international transactions, and contactless payment facilities for quick and easy transactions. Along with these features, cardholders can enjoy various lifestyle offers, insurance benefits, and simple card management options through AU Bank’s banking services. With its combination of higher limits, security features, and added benefits, the AU Royale Business Debit Card helps business owners manage their financial needs more efficiently.
AU Royale Debit Card
The AU Royale Debit Card provides customers with a more rewarding and convenient banking experience. The card comes with a joining fee of ₹1,399 + GST, while replacement or reissuance of the card costs ₹200 + GST. It offers a range of benefits, including easy payments, travel privileges, lifestyle offers, and enhanced security features. With this card, customers can enjoy complimentary domestic airport lounge access, making their travel experience more comfortable. The card also comes with a low forex markup fee, which helps reduce charges on international transactions.
It also provides attractive offers on movie bookings, food delivery, groceries, and other services. Cardholders can enjoy insurance benefits such as purchase protection, personal accident cover, and air travel insurance. With higher daily transaction limits and easy card control through AU banking services, this card is a suitable choice for customers looking for convenience, security, and premium benefits in their everyday banking.
AU Gold Debit Card
The AU Gold Debit Card has a joining fee of ₹349 + GST, while replacement or reissuance of the card costs ₹200 + GST. It is well suited for customers who want a secure and convenient card for their everyday banking needs. It allows users to make payments, withdraw cash, and shop online or offline with ease. The card comes with a daily purchase limit of up to ₹75,000 and a cash withdrawal limit of up to ₹25,000, making it suitable for regular transactions. Cardholders can enjoy attractive offers on shopping, dining, travel, and other lifestyle services. It also provides insurance benefits, including purchase protection, personal accident cover, and card liability protection for added security. In case of loss or theft, customers can instantly block the card to prevent misuse.
AU Platinum Debit Card
The AU Platinum Debit Card is for customers who want a secure and convenient card for their daily banking needs. It allows users to make easy payments, withdraw cash, and enjoy various lifestyle benefits. The card comes with a daily purchase limit of up to ₹2 lakh and a cash withdrawal limit of up to ₹50,000, making it suitable for regular as well as higher-value transactions. Also, the card comes with a joining fee of ₹499 + GST, while replacement or reissuance of the card costs ₹200 + GST.
Cardholders can also enjoy exciting offers on dining and entertainment, including discounts on Zomato and BookMyShow. The card provides insurance benefits such as purchase protection, personal accident cover, and air travel insurance for added security.
AU Royale World Debit Card
With the AU Royale World Debit Card, customers can enjoy benefits such as complimentary domestic airport lounge access, making travel more comfortable and convenient. The card also offers a low forex markup fee for international transactions, which can help reduce extra charges while making payments abroad. It comes with contactless payment facilities for quick and secure transactions, along with attractive offers on shopping, dining, and lifestyle services. There’s a joining fee of ₹1,399 + GST, and if you need a replacement or reissue of your card, it costs ₹200 + GST.
The card also provides insurance benefits, including personal accident cover, air travel insurance, and purchase protection for added safety. Customers can easily manage their card usage through AU Bank’s digital banking services by controlling transaction settings whenever required. With its premium features, travel benefits, and strong security options, the AU Royale World Debit Card is a suitable choice for customers looking for a more rewarding debit card experience.
AU Platinum Business Debit Card
The AU Visa Business Platinum Debit Card comes with a joining fee of ₹499 + GST, while replacement or reissuance of the card costs ₹200 + GST. It is especially for business owners who need a convenient and secure way to manage their business expenses. It helps users make business payments, withdraw cash, and handle day-to-day transactions with ease. With this card, customers can enjoy a daily purchase limit of up to ₹5 lakh and a daily cash withdrawal limit of up to ₹1 lakh, making it suitable for businesses that require higher payment flexibility. Users can also enjoy additional advantages like insurance benefits, easy card management, and access to exclusive business-related privileges.
AU swipe&save platinum Debit Card
The AU swipe&save platinum Debit Card is for customers who want more rewards and benefits from their everyday spending. This card has a joining fee of ₹349 + GST, while replacement or reissuance of the card costs ₹200 + GST. It offers higher transaction limits, making it suitable for regular shopping and payments. Customers can enjoy a daily purchase limit of up to ₹2 lakh and a daily ATM withdrawal limit of up to ₹50,000, providing greater flexibility for managing expenses.
The card comes with exciting benefits like extensive offers on shopping, online purchases, car services, and various other categories. It also supports Tap & Go contactless payments of up to ₹5,000, allowing customers to make quick and convenient payments without entering a PIN for eligible transactions.
For added security, the card provides purchase protection coverage of up to ₹25,000, helping protect eligible purchases made using the card. Customers also receive insurance coverage benefits, including protection against personal accidents and other risks.
AU Gold Business Debit Card
The AU Gold Business Debit Card offers a daily purchase limit of up to ₹2 lakh and a daily ATM withdrawal limit of up to ₹50,000, allowing customers to manage higher-value transactions with ease. Business owners can use the card for online purchases, merchant payments, and everyday business expenses without hassle. The card has a joining fee of ₹349 + GST, while replacement or reissuance of the card costs ₹200 + GST.
Cardholders can enjoy exclusive offers and discounts on shopping, dining, travel, and lifestyle services. The card also provides purchase protection benefits and insurance coverage, adding an extra layer of security for transactions made using the card. Customers can easily manage their card settings, control usage, and secure their card through AU Bank’s digital banking facilities.
Benefits of Choosing AU Bank Debit Cards
Easy Payments
AU Bank Debit Cards make everyday payments simple and convenient. You can use your card to shop at stores, pay utility bills, book tickets, and make online purchases without carrying cash.
Airport Lounge Access
Many AU Bank Debit Cards offer complimentary access to airport lounges. This allows you to relax in a comfortable space with selected travel amenities while waiting for your flight.
Discounts and Offers
AU Bank Debit Cardholders can enjoy exclusive offers on shopping, travel, dining, entertainment, and other lifestyle categories. These offers help you save more on your regular expenses.
Low Forex Charges
Some AU Bank Debit Cards come with low foreign currency markup charges, making them a good choice for international shopping, travel, and online transactions in foreign currencies.
High Transaction Limits
Depending on the type of debit card you choose, you can enjoy higher daily cash withdrawal and shopping limits, giving you greater flexibility for your banking and spending needs.
Insurance Benefits
Selected AU Bank Debit Cards include valuable insurance benefits such as personal accident cover, air accident insurance, purchase protection, and card liability cover, providing additional financial security.
Easy Card Management
You can easily manage your AU Bank Debit Card through the AU 0101 App, NetBanking, or the AU Bank website. You can change your PIN, enable or disable different transaction types, and control your card settings whenever required.
Eligibility Criteria for AU Bank Debit Cards
To apply for an AU Bank debit card, customers generally need to meet the following eligibility criteria:
- Must have an active Savings Account or Current Account with AU Small Finance Bank.
- Must complete the Know Your Customer (KYC) verification process as per the bank’s guidelines.
- Must submit valid identity and address proof documents, if required.
- Should maintain the minimum account balance, wherever applicable, based on the account type.
- Existing account holders can request a new or upgraded debit card through the AU 0101 App, NetBanking, customer care, or by visiting the nearest AU Bank branch.
How to Activate an AU Bank Debit Card
To activate your AU Bank Debit Card, follow the steps given below:
Step 1: Once you receive your AU Bank debit card, verify that it is linked to your active savings or current account.
Step 2: Generate or change your debit card PIN through an AU Bank ATM, the AU 0101 Mobile App, or NetBanking.
Step 3: Use your debit card to make your first transaction at an ATM or a merchant terminal by entering your PIN. This activates your card.
Step 4: Log in to the AU 0101 App or NetBanking to enable or disable online, international, contactless, or ATM transactions as per your preferences.
Step 5: After activation, you can use your AU Bank debit card for cash withdrawals, shopping, bill payments, online purchases, and other banking transactions.
Bottom Line
AU Small Finance Bank offers a variety of debit cards to suit different banking and spending needs. Whether you want a card for everyday transactions, frequent travel, online shopping, or business expenses, you can find an option that matches your requirements. Many of these cards come with useful benefits such as airport lounge access, shopping and dining offers, insurance coverage, contactless payments, and higher transaction limits.
Before choosing a debit card, take some time to compare its features, benefits, charges, and transaction limits. This will help you pick a card that fits your lifestyle and spending habits. The right AU Bank debit card can make your daily banking more convenient while also helping you enjoy extra savings, better security, and valuable lifestyle benefits.