AU Bank Debit Card

1. You can access banking services around-the-clock with an AU Debit Card.
2. Purchase a personal accident insurance policy on an AU Debit Card for up to Rs.1,000,000.
3. Get up to Rs.10,000 in purchase protection benefits.
4. Discounts and cashback on numerous shopping and lifestyle brands.

1. Gain free access to domestic and international airport lounges (with certain Debit Card variants).
2. AU Debit card offers card liability cover.
3. In case your card is lost or stolen you can immediately block it using the AU app or internet banking. 
4. Air travel insurance (with certain Debit cards).
5. On international transactions, there is a minimal markup fee (0-1.5%).

1. Daily withdrawal and purchase caps of Rs.5,000.
2. Withdraw cash at ease using an ATM. Visa and RuPay debit cards can be used at ATMs all over the world.
3. You can spend Rs.20,000 daily as an ATM transfer limit on select debit cards.
4. Contactless payments up to Rs.5,000.
5. Using an AU Debit Card, you can carry out a variety of transactions, including online or
6. In-person shopping, fuel purchases, payment of utility bills such as electric, water, internet, or gas bills, reserving flights, booking hotels, buying movie tickets, pay for phone recharges, pay tax bills, withdraw cash, transfer funds, and more.

Types of AU Bank Debit Cards

The benefits and features of different types of AU debit cards are listed below:

AU Royale Debit Cards

AU Royale Business Debit Card: A variety of benefits are available with the AU Royale Business Debit Card to meet your business needs.  For your international transactions, you have a lower cross-currency markup.

The card offers higher insurance coverage and contactless transactions. You can also withdraw more cash from the ATM using this card.

AU Royale World Debit Card: This world-class VISA Signature Debit Card Program's AU Royale World Debit Card, is available only to non-resident Indians.

Numerous features and advantages of the Royale World Debit Card include zero markup charges, complimentary airport lounge access, higher purchase and withdrawal limits, and discounts on international brands, flights and restaurants.

AU Royale Debit Card: The Royale Debit Card is the ideal choice for people who enjoy living a lavish lifestyle. It has the highest ATM cash withdrawal limit (Rs.4,00,000). It covers lifestyle-related costs by providing special discounts and privileges along with lucrative monthly cashback offers.

In addition to contactless transactions, the Royale Debit Card also offers you special insurance benefits. It has the lowest markup on international transactions.

VISA Debit Cards by AU

Visa Platinum Debit Card: The Visa Platinum Debit Card allows for worldwide contactless and cashless transactions. You can take advantage of its wide range of lifestyle privileges provided by the card's higher purchase limit.

It also provides numerous insurance coverages such as air travel insurance, personal accident insurance, and purchase protection. This debit card has a liability cover of Rs.2,00,000. The VISA Platinum Contactless Debit Card ensures easy and secure digital payments.

Visa Business Platinum Debit Card: This customised Debit Card offers a range of features and advantages, has higher withdrawal (Rs.2,00,000 daily) and purchase limits, and is exclusively created for business owners and entrepreneurs to expand their businesses.

With this card, you can choose to enable or disable international usage as needed and gain access to a number of airport lounges while travelling. It also has strong insurance protection against a variety of losses caused by unlucky circumstances.

Visa Business Gold Debit Card: Visa Business Gold Contactless Debit Card is the perfect choice for business owners because it offers a contactless payment option and general purchase protection. You can avail of daily withdrawal and purchase limits of Rs.1,00,000 and contactless transactions up to Rs.5,000.

This card offers air insurance, Card Liability Cover, and is set up to handle your business requirements. Additionally, it has an Rs.1,000,000 withdrawal and merchant payment cap.

Visa Gold Debit Card: VISA Gold Contactless Debit Card is great for all digital, cashless and contactless transactions due to its 'tap and go’ option. You can take advantage of contactless transactions with a cap of Rs.5,000.

This card has a daily transaction limit of INR 75,000 and also offers free insurance (travel insurance, purchase protection, and personal accident cover). In the event of loss or theft, the Visa Gold Debit Card can be immediately blocked.

RuPay Debit Cards by AU

RuPay Platinum Debit Card: The RuPay Platinum Debit Card is ideal for customers with high incomes. It functions flawlessly both domestically and internationally. It provides special advantages like access to lounges and heavy discounts from merchants. You get purchase protection up to Rs.10,000 if the merchandise you bought within 90 days is stolen or damaged by fire. You also get Rs.2,00,000 in card liability insurance in case of fraudulent transactions.   

RuPay Classic Debit Card: You can use your RuPay Classic Debit Card whenever you want to pay your bills, get cash from an ATM, and make purchases. Additionally, it provides Card Liability Cover to protect you from any unauthorised use and purchase protection on any items you buy. 

Transactions Limits AU Debit Card

AU Bank offers a variety of payment options to its clients. A list of available payment options and transaction limits is discussed below:

Daily Transaction Limits on different AU Debit Cards

Daily Transactional limits using AU 0101 App & NetBanking

With the AU 0101 App & NetBanking, you can now transfer money from your AU Bank account to any other account at all times including bank holidays.

Corporate NetBanking & Mobile Banking app

The daily transaction caps for fund transfers made using the Corporate NetBanking & Mobile app are listed below:

The Immediate Payment Service (IMPS) daily transaction limit is Rs.20,00,000. National Electronic Funds Transfer (NEFT) and Real Time Gross Settlement (RTGS) daily transaction limits depend on your account. It can go up to Rs.50,00,000. Please be aware that customers will not be able to use NEFT or RTGS services for 45 minutes. There will be no transactions between 11:45 PM and 02:30 AM.

Offers on AU Bank Debit Card

AU Small Finance Bank provides cashback and discount promotions on all types of debit cards across categories like travel, shopping, dining, and lifestyle. Listed below are popular brands that offer discounts when you use an AU Debit card:

On select cards like the AU Royale Debit Card range you can get discounts across the globe.  For dining, you can use it at Bangalore Express City (UK), Sherlock Holmes, and Spice of India (UAE). Famous brands like Viimart, Avis, Talixo, and Zalora also have attractive offers if you use AU Royale debit card. 

How to Apply for an AU Bank Debit Card

How to Apply for an AU Bank Debit Card Offline

1. Open a savings account: You can open a savings account at any AU bank branch. You have to open an account to get a debit card. Make sure to fill in accurate information and KYC documentation and you will get your AU debit card within 2 to 7 working days to your registered address. 
2. Customer care request: In case you already have a savings account, you can call the customer care center to request a debit card.  

1. Get a prepaid card: You can opt for a prepaid card if you do not have an account with the bank. You need to recharge the card and you can use it to pay bills and execute transactions.

How to Apply for an AU Bank Debit Card Online

You need to follow the instructions given below to get an AU Bank Debit Card online: 

1. Step 1: Go to AU bank’s official website
2. Step 2: Log on to your banking account

1. Step 3: Click on the option ‘Debit Cards/ATM Cards’
2. Step 4: Fill in the details and upload the relevant documents.
3. Step 5: You will receive a PIN (Personal Identification Number) either online, at an ATM or through a post to your residential address.  You will have to generate a new PIN for safety purposes. Make sure you keep all the credentials and information confidential.