AU Royale World Debit Card – Benefits, Fees & Eligibility

Introduction

The AU Royale World Debit Card, issued by AU Bank, is designed for global spenders seeking elite privileges. It offers a range of premium benefits including a competitive 2.5% mark-up on international transactions, extensive airport lounge access, high daily transaction limits, and comprehensive insurance coverage, making it a suitable choice for individuals with a luxurious lifestyle and frequent travel needs.

Welcome Benefits

• Get a free one-time subscription on entertainment platforms: Amazon Prime or Zee5.

Transaction Limits & Usage

• Daily ATM Withdrawal Limit: ₹2,00,000
• Daily POS/Online Transaction Limit: ₹4,00,000
• International Usage: Available with a 2.5% mark-up on international transactions.
• Contactless Payments: Make transactions up to ₹5,000 without needing to enter a PIN.
• Card Security & Control: Enable or disable contactless, international, or domestic use through the AU 0101 App, website, or chatbot.

Fees and Charges

• Foreign Currency Markup: 2.5% on international transactions.
• General Fees: For other fees and charges associated with this card, please refer to the applicable Schedule of Charges.

Rewards & Offers

• Airport Lounge Access:
  • 8 complimentary domestic airport lounge access per year.
  • 6 complimentary international airport lounge access per year.
• Insurance Coverage:
  • Lost Card Liability Cover: ₹4,00,000 in case of fraudulent transactions on your card.
  • Purchase Protection: ₹25,000 for items purchased with your card, protected against damage, theft, or fire for 90 days from purchase.
  • Air Accident Cover: ₹1 crore in case of an accident aboard a flight.
  • Personal Accident Cover: ₹5 lakh in case of accidental death or disability.
  • Loss of Baggage: ₹2 lakh in case of loss of baggage during travel.
• Entertainment Benefits: Free one-time subscription on Amazon Prime or Zee5.
• Merchant Offers: Access to various offers (details available via "See all offers" link).

Debit Card Review

The AU Royale World Debit Card is ideal for affluent individuals who travel frequently and make international transactions. Its key strengths include high daily transaction limits, a relatively low international transaction mark-up of 2.5%, and generous airport lounge access (8 domestic, 6 international per year). The comprehensive insurance package, covering lost card liability, purchase protection, and various accident covers, adds significant value and peace of mind. The complimentary entertainment subscription is a nice welcome perk. While specific cashback or reward points programs on spends are not detailed, the card's focus is clearly on premium lifestyle benefits and global convenience. It's a strong contender for those prioritizing travel perks, security, and high spending power.

Important Product Details

• Positive Highlights:
  • High daily purchase limit of ₹4,00,000 and cash withdrawal limit of ₹2,00,000.
  • Competitive 2.5% mark-up on international transactions.
  • Extensive airport lounge access: 8 complimentary domestic and 6 international visits annually.
  • Comprehensive insurance benefits including ₹4 lakh lost card liability, ₹25,000 purchase protection, ₹1 crore air accident cover, ₹5 lakh personal accident cover, and ₹2 lakh loss of baggage cover.
  • Free one-time subscription to Amazon Prime or Zee5.
  • Contactless payment facility for transactions up to ₹5,000 without a PIN.
  • Enhanced security features allowing users to control card usage (contactless, international, domestic) via the AU 0101 App, website, or chatbot.
• Negative Highlights:
  • Specific annual maintenance charges or issuance fees are not explicitly detailed on the page, requiring users to check a separate Schedule of Charges.
  • No explicit mention of a general cashback or reward points program on all spends.

Other Details

• How to Apply: Apply by calling customer care or visiting an AU Bank branch.
• AU 0101 Mobile App Features: View balance and transactions, download account statements, and request cheque books.
• Customer Support: 24x7 help is available.
• Terms & Conditions: All benefits and features are subject to applicable terms and conditions.