AU Royale Debit Card – Benefits, Fees & Eligibility

Introduction

The AU Royale Debit Card, issued by AU Bank, is designed for a premium lifestyle, offering a suite of benefits including a low cross-currency markup on international transactions, high daily withdrawal and purchase limits, and complimentary domestic airport lounge access. It also provides attractive offers on entertainment, dining, and groceries, along with comprehensive insurance coverage, making it a suitable choice for frequent travelers and high-spenders.

Welcome Benefits

• Get a brand voucher worth ₹500, redeemable across leading brands, issued once per year per card.
• Vouchers will be issued only if the annual debit card fee has been recovered within 1 month of the due date.
• Vouchers will be sent to customers in the next calendar month of Debit Card charges recovery.

Transaction Limits & Usage

• Daily cash withdrawal limit: ₹2,00,000.
• Daily purchase limit (POS/online): ₹4,00,000.
• International usage is available with a low cross-currency markup.
• A contactless Debit Card allows you to make transactions up to INR 5,000 without the need to enter a PIN.
• Ensure complete control and security of your card by enabling or disabling contactless, international, or domestic use through the AU 0101 App/Net Banking, website, or chatbot.

Fees and Charges

• Cross-currency markup on international purchases: 2.5%.
• Special cross-currency mark-up for programs like Chartered Accountant: 1.5%.
• An annual debit card fee is applicable, as vouchers are issued only upon its recovery (specific amount not mentioned).
• For detailed information on all service charges, refer to the bank's Service Fee Reckoner.

Rewards & Offers

Airport Lounge Access

• Enjoy 8 complimentary domestic airport lounge access per year (equivalent to 2 free domestic lounge visits per quarter).

BookMyShow Offers

• Enjoy Buy One Get One Free on movie tickets up to ₹250.
• Offer applicable twice per month per card.

Zomato Offers

• Get 10% off up to ₹100 on a minimum order value of ₹399.
• Offer applicable once per month per card.

BigBasket Offers

• Get 10% off up to ₹200 on a minimum order value of ₹999.
• Offer applicable once per month per card.

Brand Voucher

• Enjoy a voucher worth ₹500 on top merchants, applicable once per year per card (conditional on annual fee recovery).

Insurance Coverage

• Lost Card Liability Cover: INR 4,00,000.
• Overall Purchase Protection: INR 50,000.
• Air Accident Cover: INR 1 crore.
• Personal Accident Cover: INR 7,50,000.
• Loss of Baggage: INR 2,00,000.

Overall Savings

• An AU Royale Debit Card can save you more than ₹12,000 annually.

Debit Card Review

The AU Royale Debit Card is tailored for individuals seeking premium benefits and high transaction limits. Its key advantages include a competitive cross-currency markup for international transactions, generous daily withdrawal and purchase limits, and complimentary domestic airport lounge access. The card also offers valuable entertainment and grocery discounts through BookMyShow, Zomato, and BigBasket, alongside a ₹500 annual brand voucher. Comprehensive insurance coverage for lost card liability, purchase protection, and various accidents adds significant value. This card is ideal for frequent travelers, international shoppers, and those who maintain a high-value relationship with AU Bank and can benefit from its lifestyle-oriented perks. While an annual fee is implied, the extensive benefits and potential annual savings of over ₹12,000 likely outweigh this cost for the target user base.

Important Product Details

Key Highlights

• Low cross-currency markup of 2.5% on international transactions (1.5% for special programs like Chartered Accountant).
• Higher daily cash withdrawal limit of ₹2,00,000.
• Higher daily purchase limit of ₹4,00,000.
• 8 complimentary domestic airport lounge access per year.
• Buy-one-get-one-free offers on movie tickets (up to ₹250, twice a month) on BookMyShow.
• 10% off on Zomato (up to ₹100, once a month).
• 10% off on BigBasket (up to ₹200, once a month).
• ₹500 brand voucher annually.
• Comprehensive insurance coverage including Lost Card Liability (INR 4,00,000), Purchase Protection (INR 50,000), Air Accident Cover (INR 1 crore), Personal Accident Cover (INR 7,50,000), and Loss of Baggage (INR 2,00,000).

Card Variant

• The specific card network (e.g., Visa, Mastercard, RuPay) is not explicitly mentioned in the provided content.

Other Details

Security Features

• Complete control and security of your card by enabling or disabling contactless, international, or domestic use through the AU 0101 App/Net Banking, website, or chatbot.
• Instant blocking in case of card loss or theft.
• Encrypted digital transactions.
• Dual-layer authentication on app and netbanking.

How to Apply

• Call customer care.
• Visit an AU Bank branch.

AU 0101 Mobile App Features

• View balance and transactions.
• Download account statement.
• Request cheque book.

Customer Support

• 24x7 help is available.

General Information

• AU Bank has a national presence with 2,700+ touchpoints.
• The bank emphasizes quality services at competitive rates and a superfast app.
• The bank has a balance sheet of over ₹1 lakh crore.