Debit Cards

Debit card benefits differ from credit card rewards

Many debit cards on this platform earn Merchant Vouchers, Instant Discounts, or Debit Card EMI rather than credit-card-style Reward Points or Cashback - benefits typically come from these plus insurance covers, lounge access, or fee waivers instead. Of the 120 debit cards here, 49 earn Reward Points, 20 earn Cashback, 36 earn Instant Discounts, 18 unlock Debit Card EMI, and the rest fall under Merchant Vouchers or Other Benefits.

Business debit cards are a distinct category

AU Platinum Business Debit Card, AU Royale Business Debit Card, and AU Visa Business Gold Debit Card are business-purpose products, distinct from AU's personal debit card tiers - only 9 of the 120 cards here are explicitly business-tagged, so most listings you'll see are personal-account cards.

Tier scales with the underlying bank account, not a separate application

Most debit cards (like AU Royale World or AU Gold) are issued based on the type of savings account you hold, rather than a standalone credit-style application process - check your account's eligible debit card tier with your bank before assuming you can apply for a specific tier directly.

AMC fees range from zero to ₹9,500 a year

49 of the 120 debit cards here charge zero AMC (annual maintenance charge), 63 charge somewhere between ₹1 and ₹1,000, and only 8 sit above ₹1,000 - led by Bank of Baroda World VISA Opulence at ₹9,500, then HDFC Bank Infiniti and three ICICI Bank Sapphiro-tier cards at ₹2,499-2,500. A high AMC usually buys lounge access, higher transaction limits, and stronger insurance cover rather than reward points.

Lounge access is common even without a fee

66 of the 120 debit cards here include some form of complimentary domestic airport lounge access, often with a minimum quarterly spend condition - it isn't reserved for the most expensive tiers alone, so check the specific card's `domestic_lounge_access` terms rather than assuming only premium cards offer it.