AU Royale World Debit Card – Benefits, Fees & Eligibility

Introduction

The AU Royale World Debit Card, issued by AU Bank, is positioned as a premium offering for global spenders, providing a suite of elite privileges. Key differentiating benefits include extensive complimentary airport lounge access, comprehensive insurance coverage, and high daily transaction limits, catering to a lifestyle that demands convenience and security.

Welcome Benefits

• Enjoy a free one-time subscription to entertainment platforms such as Amazon Prime or Zee5.

Fees

• Foreign Currency Markup: A 2.5% mark-up is applied on international transactions.
• General Fees and Charges: For a comprehensive list of fees and charges associated with this card, customers are advised to refer to the applicable Schedule of Charges provided by AU Bank.

Rewards

• Airport Lounge Access:
  • Receive 8 complimentary domestic airport lounge accesses per year.
  • Receive 6 complimentary international airport lounge accesses per year.
• Insurance Coverage: The card comes with a host of insurance benefits, including:
  • ₹4,00,000 Lost Card liability cover in case of fraudulent transactions.
  • ₹25,000 Purchase protection for items bought with the card, covering damage, theft, or fire for 90 days from purchase.
  • ₹1 crore Air accident cover in case of an accident aboard a flight.
  • ₹5,00,000 Personal accident cover in case of accidental death or disability.
  • ₹2,00,000 Loss of baggage cover during travel.
• High Withdrawal & Purchase Limit:
  • Enjoy a daily purchase limit of ₹4,00,000.
  • Benefit from a daily cash withdrawal limit of ₹2,00,000.
• Tap & Go: Make contactless transactions up to ₹5,000 without the need to enter a PIN.
• Entertainment: Get a free one-time subscription on entertainment platforms like Amazon Prime or Zee5.

Rewards Redemption Guide

• Specific details on redeeming points or cashback are not provided, as the card primarily offers direct benefits and subscriptions. The entertainment subscription is a one-time benefit.

Card Review

The AU Royale World Debit Card is an excellent choice for individuals who frequently travel internationally and domestically, seeking premium benefits and robust security. Its extensive complimentary airport lounge access (8 domestic, 6 international) is a significant advantage for globetrotters. The comprehensive insurance coverage, including lost card liability, purchase protection, and high air/personal accident covers, provides peace of mind. High daily purchase and withdrawal limits cater to substantial spending needs. While the 2.5% foreign currency markup is a consideration for international transactions, the overall package of benefits, including entertainment subscriptions and advanced security features, positions it as a strong contender in the premium debit card segment. It is particularly suitable for those who can fully leverage its travel and lifestyle perks.

Important Product Details

• Positive Highlights:
  • 8 complimentary domestic airport lounge accesses annually.
  • 6 complimentary international airport lounge accesses annually.
  • Comprehensive insurance coverage 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.
  • High daily purchase limit of ₹4,00,000.
  • High daily cash withdrawal limit of ₹2,00,000.
  • Free one-time subscription to Amazon Prime or Zee5.
  • Enhanced security features allowing control over card usage via the AU 0101 App.
  • Contactless payment facility for transactions up to ₹5,000 without a PIN.
• Negative Highlights:
  • A 2.5% mark-up on international transactions.
  • General fees and charges require checking a separate schedule.

Other Details

• Security Features: Ensure complete control and security of your card by enabling or disabling contactless, international, or domestic use through the AU 0101 App, website, or chatbot.
• Application Process:
  • Apply by calling customer care.
  • Apply at an AU Bank branch.
• Quick Access Links:
  • Set Your PIN
  • Report fraud
  • Manage card
  • Token Management
  • Service Requests
• AU Bank Advantages:
  • National presence with banking services across 1042 branches & ATMs.
  • Quality services at competitive rates.
  • Ample touchpoints ensuring 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.
• Referral Program: Refer this account to friends and family.
• Merchant Offers: Access to various offers, with examples including "Spice of India" in UAE, "Sherlock Holmes" in Dubai, "Bangalore Express City" in UK, and "Little India" in Auckland.
• AU Blogs: Access to informative blogs on topics like paying bills with AU Debit Card and understanding plastic money.
• General Terms & Conditions: All benefits and features are subject to applicable Terms & Conditions.