Verified by CardIQ admin · last checked 04 Jul 2026
24
#64 of 70 in debit
AU Small Finance Bank

AU Royale Debit Card

debitVisapremium

Premium debit card for AU Royale accounts. ₹499 fee for Royale holders, ₹1,399 for others. Offers 1.5% - 2.5% forex markup based on program.

Score breakdown

Data completeness: 70% · Last verified: 06 Jul 2026

Reward value0/100 · weight 65%
Fee efficiency96/100 · weight 11%
Redemption flexibility55/100 · weight 8%
Perks44/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
Annual fee
499 + 18% GST
= ₹589 / year total
Waiver: Requires maintaining Royale tier parameters exclusively
Forex markup
2.5%

Lounge access

Domestic (per year)
8
International (per year)
0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
No earning reward structure tracked for this card.

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

atm withdrawalupi transactionswallet loadcash transactions

Welcome offer

₹500 Annual Brand Voucher post fee recovery

What's inside

Experience

  • BookMyShow BOGO

    6,000

    Buy 1 Get 1 Free movie tickets up to ₹250

    Cap ₹6,000 / monthly. 2 times per month

Travel privileges

  • Domestic Airport Lounge Access

    8 complimentary visits per year to domestic airport lounges

    yearly. Minimum ₹5,000 spend in previous calendar quarter required

Earn every day

  • Zomato Discount

    1,200

    10% off up to ₹100

    Cap ₹1,200 / monthly. Once per month on orders of ₹399+

  • BigBasket Discount

    2,400

    10% off up to ₹200

    Cap ₹2,400 / monthly. Once per month on orders of ₹999+

Welcome benefits

  • Brand Voucher Benefit

    500

    ₹500 annual brand voucher

    Cap ₹500 / yearly. After annual fee recovery