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AU RuPay Platinum Debit Card – Benefits, Fees & Eligibility

The AU RuPay Platinum Debit Card is a versatile offering from AU Bank, designed for everyday transactions with robust security features. It provides comprehensive insurance coverage, including air and personal accident cover, along with purchase protection and card liability. Users benefit from higher daily purchase and withdrawal limits, extensive offers across various categories, and a welcome brand voucher. This card is ideal for individuals seeking strong security and high transaction flexibility for their daily spending needs.
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Is the AU RuPay Platinum Debit Card Right for You?

A quick look at who this card is best for, key costs, and things to consider.

The AU RuPay Platinum Debit Card is best suited for users who prioritize Shopping. With a joining fee of Nil and a renewal fee of Nil, this card is positioned for cardholders who can maximize its benefits to justify the cost. It offers Not Applicable as its primary reward mechanism.

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Last updated: 11 May 2026

Key Card Details

Joining Fee

Nil

Renewal Fee

Nil

Reward Type

Not Applicable

Notable Perks

Insurance Coverage

Air accident cover (₹5L), personal accident cover (₹2L), purchase protection (₹20K), card liability cover (₹2L).

Things to Consider

Specific fees and charges are not explicitly listed, requiring external reference to a schedule.

The card lacks a dedicated reward points or cashback program for ongoing transactions.

Despite being a 'Platinum' card, it does not offer complimentary airport lounge access.

Last updated: 11 May 2026

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Get a brand voucher worth ₹250, redeemable across leading brands.

Reward Type

Not Applicable

Reward Redemption

The ₹250 brand voucher is redeemable across leading brands.

Insurance Coverage

Air accident cover (₹5L), personal accident cover (₹2L), purchase protection (₹20K), card liability cover (₹2L).

What matters, explained clearly

Detailed evaluation to help you make the right decision

Introduction

The AU RuPay Platinum Debit Card, issued by AU Bank, is positioned as a versatile debit card offering a range of benefits for everyday transactions. It provides robust insurance coverage, including air and personal accident cover, along with purchase protection and card liability cover. Key differentiating benefits include higher daily purchase and withdrawal limits, extensive offers across various categories, and a welcome brand voucher.

Welcome Benefits

  • Get a brand voucher worth ₹250, redeemable across leading brands.

Fees

  • For fees and charges associated with this card, please refer to the applicable Schedule of Charges available on the bank's website.
  • Terms and Conditions apply to all fees and charges.

Rewards

  • Insurance Benefits:
    • Air Personal Accident Cover: Get an air accident cover of ₹5,00,000 if the bank is informed within 30 days of such an incident.
    • Personal Accident Cover: Get a personal accident insurance cover of ₹2,00,000 if the bank is informed within 30 days of such an incident.
    • Purchase Protection: Benefits up to ₹20,000 are provided.
    • Card Liability Cover: In case of fraudulent transactions, recover losses up to ₹2,00,000.
  • Daily Limits:
    • Enjoy a daily purchase limit of ₹2,00,000.
    • Enjoy a daily cash withdrawal limit of ₹25,000.
    • High daily ATM fund transfer limit of ₹20,000.
  • Offers:
    • Access to 100+ offers on the debit card.
    • Lucrative offers on shopping, online purchases, car services, and various other categories.
  • Contactless Transactions:
    • Enjoy Tap & Go contactless transactions of up to ₹5,000.

Rewards Redemption Guide

  • The ₹250 brand voucher is redeemable across leading brands.

Card Eligibility Criteria

  • How to Apply:
    • Visit your nearest AU Bank branch to apply in person.
    • Call AU Bank customer care at 1800-1200-1200 to apply for a new card.

Important Product Details

  • Positive Highlights:
    • Comprehensive insurance benefits including air accident, personal accident, purchase protection, and card liability cover.
    • High daily purchase and cash withdrawal limits.
    • Extensive offers across various lifestyle and shopping categories.
    • Convenient contactless transaction capability.
    • Welcome brand voucher worth ₹250.
    • ATM-friendly with a high daily fund transfer limit.
  • Negative Highlights:
    • Specific fees and charges are not explicitly listed on the webpage and require referring to an external schedule of charges.

Other Details

  • Quick Links:
    • Set Your PIN
    • Report fraud
    • Manage card
    • Token Management
    • Service Requests
  • AU Bank Advantages:
    • National presence with 1042 branches & ATMs.
    • Quality services at competitive rates.
    • Ample touchpoints for 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 available.
  • Referral Program:
    • Refer this account to friends and family.
  • Legal Disclaimers:
    • All benefits and features are subject to Terms & Conditions.

Frequently Asked Questions

Clear, concise answers to help you understand this card better.