Debit Cards - Apply for Debit Card Online | AU Small Finance Bank
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Debit Cards

As we move closer towards a cashless economy, the need for digital and contactless payments has increased, and a Debit Card is the first step in that direction. There's no need for you to keep and carry cash everywhere you go. A Debit Card is handy, easy to use, and can even offer plenty of benefits in return. Debit Cards offer the ability to shop and pay bills anytime and from anywhere and can even help track your spends.

We at AU Small Finance Bank, offer a range of Debit Cards with varying features. Each card is tailor-made to suit different banking needs while offering special privileges and offers like security and accountability when spending and enables you to maintain your preferred standard of living.

 

Types of Debit Cards

With High cash withdrawal limits, Access to airport lounges in India, Low cross-currency mark-up, Monthly cashbacks, Contactless transactions, and Higher insurance limits makes AU Royale Business Debit Card a perfect fit for your business needs.
 
 
 
A contactless payment option coupled with overall purchase protection makes our Visa Business Gold Contactless Debit Card ideal for entrepreneurs. This card provides Card Liability Cover, air insurance and is equipped to meet your business needs on the go. It also has a withdrawal and merchant payment limit of INR 1,00,000.
With a contactless transaction limit of up to INR 5,000 and access to airport lounges in India, our AU Royale Debit Card takes well-rounded care of your lifestyle-related spending. Additional benefits such as high cash withdrawal limits, low cross-currency markups, and monthly cashback are also available to you as an AU Royale customer.
 
Welcome to the world of Gold. Enjoy the privilege to start your digital payment journey using our VISA Gold Contactless Debit Card. With a transaction limit of INR 75,000 per day, tap and go facilities, and complimentary insurance, this card is the perfect companion for your AU Savings Account.
Perfect for customers who like to enjoy contactless transactions through the tap and go feature, you can also enjoy offers across online categories and insurance covers for added security with this card. Our VISA Platinum Contactless Debit Card ensures convenient and secure digital payments and comes with daily withdrawal and purchase options.
Presenting the AU Royale World Debit Card exclusively for Non-Resident Indians with a world-class VISA Signature Debit Card Program. The Royale World Debit Card comes with a host of features and benefits that complement your royal lifestyle.
 
 
 
Our RuPay Platinum Debit Card is the perfect fit for high-earning customers, and it works seamlessly for domestic and international use. It offers exclusive benefits, including lounge access and merchant offers.
 
 
 
 
Our RuPay Classic Debit Card gives you the freedom and flexibility to pay bills, withdraw cash from ATMs, and make purchases at any time. It also offers Card Liability Cover to cover against any unauthorized usage and purchase protection on goods purchased by you.
 
Our Debit Cards come with best-in-class insurance benefits like Card Liability Cover, Purchase Protection and Accidental Death insurance
 
 
 
 
Our Visa Business Platinum Contactless Debit Card is the perfect fit for business professionals on the go, thanks to its daily purchase and withdrawal limits of up to INR 2,00,000. With this card you can enable/ disable your international usage as per your convenience and get access to various airport lounges while you travel.
 

Features & Benefits of AU Debit Cards

AU Small Finance Bank offers a feature-rich Debit Card range catering to your different needs.

  • 24x7 banking services.
  • Cashback, discounts, and offers across categories such as travel, shopping brands, healthcare, and others. Avail offers now by enabling ECOM (Online) transactions here.
  • Card Liability Cover.
  • Complimentary domestic/international airport lounge access (on select Debit Card variants).
  • Low markup fee applicable on international transactions.
  • Daily withdrawal and purchase limits up to INR 10,00,000*  
  • Purchase protection benefits up to INR 50,000*
  • Personal accident insurance cover up to INR 1,00,00,000. To know more about Debit Card insurance click here.
  • Air travel insurance on select AU Debit Card range.
  • Cashless transactions instantly with 'Tap & Go' Contactless Payment feature. Turn on contactless payment feature here.
  • Instantly block an AU Debit Card using AU 0101 App/AU 0101 NetBanking, AU Auro chatbot or by calling AU customer care number 1800-1200-1200 in case of loss or theft of the card.
  • Loyalty reward points applicable on select Debit Cards. To know more click here.
 

Apply For Debit Card Online and Offline:

If you have an account with AU Small Finance Bank, you can apply for a Debit Card.

You can apply for a Debit Card online or offline at the time of Savings Account opening process. 

Note: For fees and charges associated with this card, please see the applicable schedule of charges.

 

Instant Debit Card Pin Generation

1. Via AU Small Finance Bank ATM

  • Step 1: Visit AU Small Finance Bank ATM (To locate our nearest ATM service click here, you can also check the locations on AU 0101 App/NetBanking).
  • Step 2: Insert the ATM card into the machine.
  • Step 3: Select the option 'Set your Debit Card PIN'.
  • Step 4: Enter the 6-digit OTP received on your registered mobile number.
  • Step 5: Set your 4-digit pin.
 

2. Via Website

 

3. Via Calling on our Customer Care Number

  • Step 1: Call on 1800 1200 1200.
  • Step 2: Select the option for Debit Card PIN generation.
  • Step 3: Enter the 16-digit Debit Card Number.
  • Step 4: Input the expiry date.
  • Step 5: Set your 4-digit PIN.
 

How to Enable/Disable Transactions on your Debit Card?

Your AU Debit Card, as per RBI regulations, is disabled for E-com (Online), Contactless (Tap & Pay), and International transactions. You can enable/disable transactional channels on your Debit Card using AU 0101 App, NetBanking or through AU Small Finance Bank Website:

1. Via AU 0101 App / AU 0101 Net Banking

  • Login to AU 0101 App or AU 0101 NetBanking.
  • Select Debit Card.
  • Click on transactional usage to enable/disable E-commerce, Contactless & International transactions.
  • Enter the OTP received on your registered mobile number.
 

2. Via Website

  • Click here.
  • Alternatively, you may also go to https://www.aubank.in.
  • Click on "Debit Card Services".
  • Click on Enable/Disable Card Transactions.
  • Enter your Customer ID.
  • Enter the OTP on your registered mobile number.
  • Post login, you can enable/disable the channels for your AU Debit Card.
 

Debit Card FAQs

 

Q1. What is a Debit Card?

A Debit Card is a payment card that can be used in place of cash to make purchases. The card includes the bank's name, a card number, the name of the cardholder, expiration date, and the CVV. During a purchase, the cardholder needs to have enough money in their bank account. The money is deducted from their account and sent directly to the merchant to complete the purchase.

Q2. How is Debit Card different from a Credit Card?

A debit card is a plastic payment card issued by a bank that allows you to access funds directly from your savings or current account to make purchases or withdraw cash.

Q3. What is a Personal Identification Number (PIN)?

A Debit Card PIN is a unique four-digit code that is assigned to every Debit Card user. It is important to note that the PIN should not be shared with any person or entity.

Q4. What can I do if I forget my Debit Card pin?

In case you forget the PIN for your AU Debit Card, you can call on AU small Finance Bank customer care number 1800-1200-1200 to reset the PIN or you can reset your PIN through AU 0101 App / NetBanking.

Q5. Can I use my Debit Card if I don’t have any money in my account?

No, Debit Card users can only spend the money available in their bank account.

Q6. Will I be charged any fee if I don’t use my Debit Card for a long time?

No, you will not be charged any fee if you don’t use your Debit Card for a long time.

Q7. Can I issue a Debit Card on my OD account?

No Debit Card can’t be issued to OD/Cash credit.

Q8. What can I do if the Debit Card is stolen?

  1. Block your Debit Card instantly via AU 0101 App/NetBanking/Auro Chatbot or by calling the customer care at 1800-1200-1200.
  2. Check your transaction history and SMS for any fraudulent or unauthorized transactions.
  3. File an FIR.
  4. Request your bank to issue a new Debit Card.

Q9. How EMV Chip Debit Card Works?

EMV cards are payment cards with chips that come with advanced safety features. They are made to stop fraudulent activities like card skimming and copying. EMV chips in cards generate unique transaction codes for each purchase, enhancing security by preventing the reuse of data for fraudulent activities. These dynamic codes make it difficult for thieves to clone cards effectively.

  • Tips to use your Debit/ATM Card safely

Keep your Debit Card's Personal Identification Number (PIN) private and don't share it and regularly monitor your account to quickly identify any unauthorized transactions.

Q10. How can I earn reward points on my Debit Card?

You can earn reward points based on the type of your Debit Card. Click here to know more.

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