AU Royale Debit Card – Benefits, Fees & Eligibility

Introduction

The AU Royale Debit Card, issued by AU Bank, is positioned as a premium debit card designed for a royal lifestyle, offering a blend of travel, entertainment, and financial benefits. Its key differentiating features include a low cross-currency markup on international transactions, complimentary domestic airport lounge access, and higher daily transaction limits, making it suitable for frequent travelers and high-spenders.

Welcome Benefits

• Get a brand voucher worth ₹500, redeemable across leading brands. This offer is applicable once per year per card, and only for customers who are charged a Debit Card fee.

Fees

• Foreign Currency Markup:
  • A low mark-up of 2.5% on international transactions.
  • A special 1.5% cross-currency mark-up for special programs like Chartered Accountant.
• For more details on other charges, refer to the bank's Service Fee Reckoner.

Rewards

• Movies:
  • Enjoy Buy One Get One Free (BOGO) offers on movie tickets up to ₹250 on BookMyShow.
  • This offer is applicable twice per month per card.
• Dining:
  • 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:
  • Get 10% off up to ₹200 on BigBasket for a minimum order value of ₹999.
  • This offer is applicable once per month per card.
• Travel:
  • Enjoy 8 complimentary domestic airport lounge accesses per year, capped at 2 visits per quarter.
• Insurance Coverage:
  • Lost Card Liability Cover: ₹4,00,000
  • Overall Purchase Protection: ₹25,000
  • Air Accident Cover: ₹1 crore
  • Personal Accident Cover: ₹5,00,000
  • Loss of Baggage: ₹2,00,000
• Lifestyle:
  • Receive a brand voucher worth ₹500 redeemable across leading brands.
• Daily Limits:
  • Higher daily cash withdrawal limit of ₹2,00,000.
  • Higher daily purchase limit of ₹4,00,000.
• Contactless Payments:
  • A contactless Debit Card allows transactions up to ₹5,000 without needing to enter a PIN.

Rewards Redemption Guide

• Brand vouchers worth ₹500 are redeemable across top merchants.

Card Review

The AU Royale Debit Card offers significant value, with potential annual savings exceeding ₹12,000. It is ideal for individuals who frequently travel internationally due to its low cross-currency markup and complimentary domestic lounge access. The card also caters to lifestyle needs with attractive offers on movies, dining, and groceries, along with substantial insurance coverage. Its high daily transaction limits and robust security features further enhance its appeal for premium customers.

Important Product Details

• Positive Highlights:
  • Low cross-currency markup of 2.5% (1.5% for special programs) on international transactions.
  • 8 complimentary domestic airport lounge accesses per year (2 per quarter).
  • Higher daily cash withdrawal limit of ₹2,00,000 and purchase limit of ₹4,00,000.
  • Buy One Get One Free movie tickets on BookMyShow twice a month.
  • Discounts on Zomato and BigBasket.
  • Comprehensive insurance coverage including Lost Card Liability, Purchase Protection, Air Accident, Personal Accident, and Loss of Baggage.
  • ₹500 brand voucher annually for eligible customers.
  • Contactless payment facility for transactions up to ₹5,000 without a PIN.
• Negative Highlights:
  • Specific fees and charges beyond the markup are not explicitly listed on the webpage, requiring reference to a separate "Service Fee Reckoner".

Other Details

• Security Features:
  • Complete control and security of the 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:
  • Customers can apply by calling customer care or visiting an AU Bank branch.
• Customer Support:
  • 24x7 help is available.
• AU 0101 Mobile App:
  • Manage and track all transactions.
  • Features include investing in SIPs, applying for car loans, and getting video assistance.
  • Used by 30 lakh customers.
• Bank Presence:
  • National presence with 1042 branches & ATMs.
  • Offers quality services at competitive rates.
  • Ample touchpoints ensure convenient service.
  • Sustained growth with a balance sheet over ₹1 lakh crore.
• Legal Disclaimers:
  • Terms & Conditions apply to lounge access and other offers.