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

AU Royale Debit Card

20
Ranked #62 of 66 in debit
debitVisaPremium

AU Small Finance Bank's premium debit card designed for a luxurious lifestyle, offering the lowest forex markup in AU's debit lineup (1.5%), high transaction limits, airport lounge access (Business variant), and an extensive global dining/travel/shopping partner discount network.

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%
Perks38/100 · weight 9%

Fees

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

Joining fee
Annual fee
Lifetime free
Waiver: Tied to high-value savings account relationship (AMB requirement)
Forex markup
1.5%

Lounge access

Domestic (per year)
8
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).

atm withdrawalupi transactionswallet loadcash transactions

Welcome offer

None specified

Milestone benefits

Pros

  • Low 1.5% international markup (among the lowest debit card forex rates in India)
  • high Rs2,00,000 daily withdrawal / Rs4,00,000 purchase limits
  • 8 domestic lounge visits/year (Business variant)
  • strong global partner discount network
  • comprehensive insurance suite

Cons

  • Requires a premium banking relationship to access
  • debit card spending capped by account balance

What's inside

More benefits

  • Domestic Airport Lounge Access

    8 complimentary visits per year to domestic airport lounges

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

  • Brand Voucher Benefit

    500

    ₹500 annual brand voucher

    Cap ₹500 / yearly. After annual fee recovery

Insurance cover

text
NaN

Eligibility

text
Requires premium AU Small Finance Bank savings/current account relationship

Small print

Fuel surcharge:Not a highlighted benefit