CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
AU Small Finance Bank

AU Gold Debit Card

17
Ranked #65 of 66 in debit
debitRuPay/VisaMid

AU Small Finance Bank's mid-tier Gold debit card offering higher transaction limits and standard insurance coverage, issued against a qualifying savings account.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value0/100 · weight 71%
Fee efficiency100/100 · weight 12%
Redemption flexibility55/100 · weight 9%
Perks7/100 · weight 9%

Fees

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

Joining fee
—
Annual fee
Lifetime free
Waiver: Fee structure varies by linked savings account type; typically nominal or waived on AMB maintenance
Forex markup
3%

Lounge access

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

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).

all spends

Welcome offer

None specified

Milestone benefits

Pros

  • Mid-tier debit card with decent insurance coverage bundle
  • higher withdrawal/purchase limits than base tier

Cons

  • Limited public documentation of exact reward structure for this specific tier
  • verify current benefits at account opening

What's inside

More benefits

  • Personal Accident Cover

    Comprehensive insurance coverage

  • Air Accident Cover

    Subject to T&Cs

  • Purchase Protection

    Cover on eligible purchases

  • Card Liability Cover

    Protection against unauthorized transactions

  • Merchant Offers

    Exclusive Visa/Mastercard discounts

Insurance cover

text
₹NaN

Eligibility

text
Requires active AU Small Finance Bank savings account with applicable AMB

Small print

Fuel surcharge:1% waiver, standard range