AU Eternity Debit Card – Benefits, Fees & Eligibility

Introduction

The AU Eternity Debit Card is a premium offering from AU Small Finance Bank, designed for high-net-worth individuals who value luxury travel, lifestyle privileges, and robust transaction limits. It is linked to the AU Eternity Savings Account or other eligible high-value banking relationships. The card's top differentiating benefits include a low 0.90% cross-currency markup, complimentary international and domestic lounge access, and substantial daily transaction limits of ₹7 Lakhs for purchases and ₹4 Lakhs for ATM withdrawals.

Welcome Benefits

• Complimentary Amazon Prime membership worth ₹1,499 on milestone spends.
• Complimentary 1-year EazyDiner Prime membership worth ₹3,550.
• Complimentary Moneycontrol Pro membership for smarter investing.

Transaction Limits & Usage

• Daily Purchase Limits: E-commerce and POS limits are set at ₹7 Lakhs per day.
• Daily ATM Withdrawal Limit: Cash withdrawals are permitted up to ₹4 Lakhs per day.
• Contactless Payments: Tap-and-pay transactions up to ₹5,000 are allowed in India without entering a PIN.
• International Usage: The card is enabled for global transactions with a low cross-currency markup.

Fees and Charges

• Cross-Currency Markup: A low foreign currency markup of 0.90% is applied on international transactions.
• Fuel Surcharge: A waiver on fuel surcharges is provided for added savings.
• Other Charges: Standard charges are applicable for all other services and products not specifically listed. Detailed information is available in the bank's service fee schedule.

Rewards & Offers

• Movie Offers: Buy 1 Get 1 Free on movie tickets via BookMyShow, up to ₹400, applicable twice per month.
• Dining Offers: 20% off on Zomato orders, up to ₹100, on a minimum order value of ₹299, valid twice per month.
• Golf Program: 1 complimentary golf lesson is available per calendar month.
• Complimentary Memberships: Exclusive discounts are available across leading brands through the bank's offers portal.
• Lounge Access:
  • 2 complimentary international airport lounge accesses per quarter.
  • 3 complimentary domestic airport lounge accesses per quarter.
• Insurance Coverage:
  • Personal Accident Cover: Up to ₹10 Lakhs.
  • Air Accident Cover: Coverage of ₹1 Crore for air travel accidents.
  • Purchase Protection: Cover up to ₹75,000.
  • Card Liability Cover: Protection against card-related liabilities up to ₹5 Lakhs.
  • Loss of Baggage Cover: Claim up to ₹2 Lakhs for lost baggage during travel.

Account & Eligibility Criteria

• The card is available to customers who meet one of the following criteria:
  • An average monthly balance of ₹10 Lakhs in an AU Eternity Savings Account.
  • An average monthly balance of ₹10 Lakhs in an AU Eternity Business Account.
  • An average monthly balance of ₹10 Lakhs in any AU Savings & Current Account.
  • A net salary credit of ₹2 Lakhs per month.
  • A Total Relationship Value (TRV) of ₹30 Lakhs, which includes Savings Account Average Monthly Balance, Current Account Average Monthly Balance, Fixed Deposit Balance, and Mutual Fund AUM with AU Small Finance Bank.

Important Product Details

• The card is issued on the Mastercard network.
• The card offers an estimated annual savings of over ₹18,000.
• The card can be managed through the AU 0101 App, the bank's website, or its chatbot for complete control and security.
• The exchange rate used for international transactions is the Mastercard wholesale exchange rate prevailing at the time of the transaction.

Other Details

• The card provides insurance coverage details, including personal accident cover for Visa Business Gold and Platinum Debit Cards, though these are separate products.
• A list of eligible international lounges is available on the Priority Pass website, and a list of eligible domestic lounges is provided in a PDF document by the bank.