AU Small Finance BankAU Royale Business Debit Card – Benefits, Fees & Eligibility
Is the AU Royale Business Debit Card Right for You?
The AU Royale Business Debit Card is best suited for users who prioritize Travel, International Spends, Premium. With an issuance fee of Lifetime Free and an annual maintenance charge of Lifetime Free, this card offers free entry for new applicants. It offers Instant Discounts as its primary reward mechanism.
Key Card Details
Lifetime Free
Lifetime Free
Instant Discounts
2.5% (1.5% for special programs like Chartered Accountant).
INR 5,00,000
INR 5,00,000
Notable Perks
Domestic Lounge Access
8 complimentary visits per year (2 per quarter).
Insurance Coverage
Lost Card Liability, Purchase Protection, Personal Accident, and Air Travel Insurance.
Movie Benefits
Buy One Get One Free on movie tickets (up to Rs. 250), twice per month.
Account Requirement
Associated with various account types including Eternity, AU Royale Salary, Premium Savings Account, and more.
Things to Consider
No explicit details provided regarding the card's issuance or annual maintenance fees.
Lacks international airport lounge access, limiting global travel benefits.
Reward program primarily consists of merchant-specific discounts, not general points.
Benefits & Features
Reward Type
Instant Discounts
Domestic Lounge Access
8 complimentary visits per year (2 per quarter).
Insurance Coverage
Lost Card Liability, Purchase Protection, Personal Accident, and Air Travel Insurance.
Movie Benefits
Buy One Get One Free on movie tickets (up to Rs. 250), twice per month.
Dining Benefits
10% off up to Rs. 100 on Zomato (min order Rs. 399), once per month.
Travel Benefits
8 complimentary domestic airport lounge access per year and Air Travel Insurance.
Daily ATM Withdrawal Limit
INR 5,00,000
Daily POS/Online Spend Limit
INR 5,00,000
Account Requirement
Associated with various account types including Eternity, AU Royale Salary, Premium Savings Account, and more.
Fees & Charges
Issuance Fee
Lifetime Free
AMC Fee
Lifetime Free
Foreign Currency Markup
2.5% (1.5% for special programs like Chartered Accountant).
Pros & Cons
Pros
Key benefits and features of this card.
High daily transaction limits of INR 5,00,000 for both ATM and POS usage.
Low foreign currency markup of 2.5%, reduced to 1.5% for special programs.
Enjoy 8 complimentary domestic airport lounge visits annually, enhancing travel.
Comprehensive insurance covers including lost card liability and personal accident.
Offers discounts on movies, dining, and groceries from popular merchants.
Cons
Key drawbacks and limitations of this card.
No explicit details provided regarding the card's issuance or annual maintenance fees.
Lacks international airport lounge access, limiting global travel benefits.
Reward program primarily consists of merchant-specific discounts, not general points.
Eligibility requires specific AU Bank account types, which might be restrictive.
Offers are subject to minimum spend and limited usage frequency per month.
Product Details
Low international transaction markup (2.5%, 1.5% for special programs).
High daily ATM and POS transaction limits of INR 5,00,000 each.
Offers 8 complimentary domestic airport lounge access annually.
Provides comprehensive insurance covers including personal accident and purchase protection.
Users can control card usage (contactless, international) via AU 0101 App.
Facilitates card issuance to multiple business users.
Benefits & Features
Reward Type
Instant Discounts
Domestic Lounge Access
8 complimentary visits per year (2 per quarter).
Insurance Coverage
Lost Card Liability, Purchase Protection, Personal Accident, and Air Travel Insurance.
Movie Benefits
Buy One Get One Free on movie tickets (up to Rs. 250), twice per month.
Dining Benefits
10% off up to Rs. 100 on Zomato (min order Rs. 399), once per month.
Travel Benefits
8 complimentary domestic airport lounge access per year and Air Travel Insurance.
Daily ATM Withdrawal Limit
INR 5,00,000
Daily POS/Online Spend Limit
INR 5,00,000
Account Requirement
Associated with various account types including Eternity, AU Royale Salary, Premium Savings Account, and more.
What matters, explained clearly
Introduction
The AU Royale Business Debit Card, issued by AU Bank, is designed for individuals and businesses seeking premium banking features and extensive benefits. It offers a low international transaction markup of 2.5% (or 1.5% for special programs like Chartered Accountant), high daily withdrawal and purchase limits of INR 5,00,000 each, and complimentary domestic airport lounge access. This card aims to provide significant annual savings, exceeding Rs. 12,000, along with robust security features and a range of lifestyle offers.
Transaction Limits & Usage
- Daily ATM Withdrawal Limit: INR 5,00,000
- Daily POS/Online Transaction Limit: INR 5,00,000
- Contactless Transaction Limit: Up to INR 5,000
- International Usage: Available with a specific mark-up fee.
- Card Control: Users can enable or disable contactless, international, or domestic use through the AU 0101 App/Net Banking, website, or chatbot for enhanced security.
Fees and Charges
- International Transaction Markup: 2.5% on international purchases.
- Cross-Currency Markup for Special Programs: 1.5% for special programs like Chartered Accountant.
- General Fees and Charges: For a comprehensive list of fees and charges, refer to the applicable Schedule of Charges on the bank's website.
- Revised Service Fees: Applicable from 1st May 2025, with further revisions w.e.f. 1st October 2025.
Rewards & Offers
- Airport Lounge Access: Enjoy 8 complimentary domestic airport lounge access per year (equivalent to 2 free visits per quarter).
- BookMyShow Offer:
- Get Buy One Get One Free on movie tickets (up to Rs. 250).
- Offer is applicable twice per month per card.
- Zomato Offer:
- Receive 10% off up to Rs. 100 on a minimum order value of Rs. 399.
- Offer is applicable once per month per card.
- BigBasket Offer:
- Get 10% off up to Rs. 200 on a minimum order value of Rs. 999.
- Offer is applicable once per month per card.
- Insurance Coverage:
- Lost Card Liability Cover: INR 1,00,000
- Overall Purchase Protection: INR 20,000
- Personal Accident Cover: INR 3,00,000
- Air Travel Insurance: Available.
Account & Eligibility Criteria
The AU Royale Business Debit Card is associated with various account types for which service fees and charges apply. These include:
- Eternity
- AU ivy program SOC
- AU Royale Salary
- Salary Account - Platinum
- Salary Account - Value & Maximum
- AU Abhi
- Student Savings Account
- Swadesh Savings Account
- Kisan Savings Account
- KIDS Savings Account
- Aarambh Savings Account
- Institutional Saving Account - Exclusive
- Government Banking Savings Account
- Savings Account - Exclusive
- AU Digital Savings Account
- BSBDA Small Savings Account
- Basic Savings Bank Deposit Account
- Women Savings Account
- AU Vikaas Savings Account
- Savings Account - Value
- AU Royale Savings Account
- Premium Savings Account
- Platinum Savings Account
- Savings Account - Maximum
- Senior Citizen Savings Account
- AU FCRA Utilization Account
- Institution Savings Non Cash deposit Account
Debit Card Review
The AU Royale Business Debit Card offers substantial value, with potential annual savings exceeding Rs. 12,000. It is ideal for business users, frequent travelers, and individuals who require high transaction limits and benefit from low international transaction markups. The card's comprehensive suite of offers, including movie, food, and grocery discounts, coupled with extensive insurance coverage and complimentary lounge access, makes it a strong contender for those seeking a premium debit card experience.
Important Product Details
- Card Name: AU Royale Business Debit Card
- Key Highlights:
- Low international transaction markup of 2.5% (1.5% for special programs).
- Daily withdrawal and purchase limit of INR 5,00,000 each.
- 8 complimentary domestic airport lounge access per year.
- Annual savings of over Rs. 12,000.
- Comprehensive insurance covers including Lost Card Liability (INR 1,00,000), Purchase Protection (INR 20,000), and Personal Accident Cover (INR 3,00,000).
Other Details
- Security Features:
- Complete control over card usage (contactless, international, domestic) via AU 0101 App/Net Banking, website, or chatbot.
- Instant blocking of the card in case of loss or theft using the AU 0101 App or Net Banking.
- Encrypted digital transactions.
- Dual-layer authentication on the app and netbanking.
- Card Issuance: Facilitates issuance of cards to multiple business users.
- Terms & Conditions: All offers and services are subject to applicable Terms & Conditions.