AU Royale Business Debit Card – Benefits, Fees & Eligibility

Introduction

The AU Royale Business Debit Card, issued by AU Bank, is designed for business users, offering a blend of financial control and lifestyle benefits. It stands out with a low international transaction markup, high daily withdrawal and purchase limits, and complimentary domestic airport lounge access, making it a robust tool for managing business expenses and enjoying travel perks.

Fees

• International Transaction Markup:
  • A low mark-up of 2.5% on international purchases.
  • A special cross-currency mark-up of 1.5% for specific programs, such as for Chartered Accountants.
• General Fees and Charges: Detailed fees and charges are available in the applicable Schedule of Charges.
• Revised Service Fees: Applicable from 1st May 2025 and 1st October 2025.

Rewards

• Movies:
  • Enjoy Buy One Get One Free (up to ₹250) on movie tickets booked via BookMyShow.
  • This offer is applicable twice per month per card.
• Dining and Delivery:
  • Get 10% off up to ₹100 on Zomato for a minimum order value of ₹399.
  • This offer is applicable once per month per card.
• Groceries:
  • Receive 10% off up to ₹200 on BigBasket for a minimum order value of ₹999.
  • This offer is applicable once per month per card.
• Travel - Domestic Lounge Access:
  • Enjoy 8 complimentary domestic airport lounge accesses per year (equivalent to 2 free visits per quarter).
• Higher Withdrawal & Purchase Limit:
  • The card comes with a daily withdrawal limit of up to INR 5,00,000.
  • The card comes with a daily purchase limit of up to INR 5,00,000.
• Insurance Coverage:
  • Lost Card Liability Cover: INR 5,00,000.
  • Overall Purchase Protection: INR 50,000.
  • Air Accident Cover: INR 1 crore.
  • Personal Accident Cover: INR 10,00,000.
  • Loss of Baggage: INR 2,00,000.
• Contactless Transactions:
  • Enjoy Tap & Go contactless transactions up to INR 5,000.
• Access for Multiple Business Users:
  • Enjoy issuance of cards to multiple business users.

Card Review

• Overall Savings: An AU Royale Business Debit Card can save you more than Rs. 12,000 annually.
• Who Should Apply: This card is ideal for business users seeking a debit card with competitive international transaction rates, high daily transaction limits, and a suite of lifestyle benefits including lounge access, movie, dining, and grocery offers, coupled with robust insurance coverage and security features.

Important Product Details

• Positive Highlights:
  • Low international transaction markup (as low as 1.5% for special programs).
  • High daily withdrawal and purchase limits of INR 5,00,000 each.
  • Complimentary domestic airport lounge access (8 per year).
  • Extensive offers on movies (BookMyShow), dining (Zomato), and groceries (BigBasket).
  • Comprehensive insurance coverage including Lost Card Liability, Purchase Protection, Air Accident, Personal Accident, and Loss of Baggage.
  • Robust security features including instant blocking, control over card usage, encrypted digital transactions, and dual-layer authentication.
  • Contactless payment facility up to INR 5,000.
  • Ability to issue cards to multiple business users.
• Negative Highlights:
  • Specific details regarding all fees and charges require referring to external Schedule of Charges documents.

Other Details

• Security Features:
  • Ensure complete control and security by enabling or disabling contactless, international, or domestic use through the AU 0101 App/Net Banking, website, or chatbot.
  • Instantly block your AU Royale Business Debit Card in case of loss or theft using the AU 0101 App or Net Banking to prevent misuse.
  • Features encrypted digital transactions and dual-layer authentication on the app and net banking.
• AU Bank Presence and Services:
  • National presence with 1042 branches & ATMs.
  • Offers quality services at competitive rates.
  • Ample touchpoints ensure convenient customer service.
  • Superfast AU 0101 App for managing and tracking transactions.
  • Sustained growth with a balance sheet of over ₹1 lakh crore.
• AU 0101 Mobile App Features:
  • Invest in SIPs.
  • Apply for car loans.
  • Get video assistance.
• Customer Support:
  • 24x7 help is available.
• General Terms & Conditions: All offers and services are subject to applicable Terms & Conditions.