AU Small Finance Bank Debit Card – Features, Benefits & Application Guide

Financial tools help Sohit, an IT professional,  manage his demanding work hours and personal commitments. Sohit discovered that his AU Small Finance Bank Debit Card transformed his financial outlook by providing valuable lifestyle benefits that simultaneously create savings and improve financial organisation.

In a recent conversation, Sohit explained how the AU Small Finance Bank Debit Card has made a positive impact on his life:

“I feel more in control of my finances ever since I started using the AU Small Finance Bank Debit Card. Its features and rewards have made managing my expenses effortless and rewarding. The card perfectly complements my lifestyle, helping me save on everyday expenses while offering additional perks that enhance my overall experience.”

Sohit defines how the AU Small Finance Bank Debit Card is beneficial for him:

• I spent ₹20,000 on groceries, dining, and shopping, earning nearly 200 reward points monthly and 2,400 reward points annually, which are worth ₹2,400.
  
  
• I watched movies in the cinema and on the OTT platform every month, saving ₹200 monthly and ₹2,400 annually.
  
  
• I saved ₹300 monthly on the popular e-commerce platform and retail store. (annually ₹3,600).
  
  
• I saved the Fuel Surcharge Waiver, the AU Small Finance Bank Debit Card helps me save ₹50 monthly and ₹600 annually. 
  
  
• Regarding my ATM Fee Waiver, the AU Small Finance Bank Debit Card helps me save ₹50 monthly and ₹600 annually. (Unlimited free withdrawal at AU Small Finance Bank ATMs and 5 free transactions per month at other banks' ATMs)
  
  
• Also, I get free accidental insurance coverage, which allows me to save ₹1,000 annually on insurance costs.

Sohit's Total Annual Savings Breakdown:

• Reward Points: ₹2,400
• Cashback on Shopping: ₹3,600
• Fuel Surcharge Waiver: ₹600
• Entertainment Savings: ₹2,400
• ATM Fee Waiver: ₹600
• Complimentary Insurance: ₹1,000

Sohit's Total Savings are almost ₹10,600+ per year!

 
Top 5 AU Small Finance Bank Debit Cards for 2025

This table provides an overview of the Top 5 AU Small Finance Bank Debit Cards for 2025 with their main features alongside their limitations

Key Takeaways:
 

1. AU Platinum Debit Card is ideal for frequent spenders who want rewards and insurance benefits.
2. AU Classic Debit Card is perfect for everyday use with cashback and dining discounts.
3. AU Premium Debit Card suits high-net-worth individuals seeking luxury perks and lounge access.
4. AU Rupay Debit Card is great for UPI users and utility bill payments.
5. AU Women’s Debit Card is designed for women, offering discounts on wellness and fashion.

AU Small Finance Bank Debit Card Eligibility

The eligibility criteria must be met to apply for an AU Small Finance Bank Debit Card. Below are the general requirements:

Additional Notes:

• Students: AU Bank may offer special debit cards for students with lower minimum balance requirements.
• Senior Citizens: Some AU debit cards come with additional benefits for senior citizens.
• Corporate Accounts: Employees of corporate clients may be eligible for customized debit cards.

Documents Required for AU Debit Card Application

1. Identity Proof: Aadhaar card, PAN card, Passport, Voter ID, or Driving License.
2. Address Proof: Aadhaar card, Utility bill, Passport, or Rent agreement.
3. Passport-sized Photographs.
4. PAN Card (mandatory for most debit cards).

How to Apply for an AU Small Finance Bank Debit Card

Offline Application:

Step 1: Visit the nearest AU Small Finance Bank branch. You can find your nearest AU Small Finance Bank branch with the help of their Branch Locator.

Step 2: To initiate the application process, you request a debit card application from AU Small Finance Bank branches.

Step 3:  Fill in the required details and attach the necessary documents, like address proof and income proof.

Step 4: After completing your form, submit it to the bank representative.

Step 5: Wait for 24 hours to 48 hours.

Step 6:  When AU Small Finance Bank verifies your documents, the bank will approve your Credit Card.

Online Application:

Step 1: Visit the official AU Small Finance Bank website and move your cursor to the “Cards” option.

Step 2: Select the “Debit Card” option.

Step 3: You will now see all AU Small Finance Bank Debit cards. Select one of your needs, then click here for the direct link.

Step 4: Fill in the required personal and financial details.

Step 5: Upload necessary documents (PAN card, Aadhaar, income proof, address proof).

Step 6: Apply and await approval (online applications take 2-7 working days).

AU Small Finance Bank Debit Card Cash Withdrawal Limitations

AU Small Finance Bank Debit Cards have cash withdrawal limits to ensure customer security and comfort. Standards for AU Small Finance Bank Debit Card withdrawals encompass the following limitations.

Key Points to Note:

1. Limits: Customers can customise their limits to increase or decrease their daily or monthly withdrawal limits by contacting the bank.
2. International Withdrawals: For international usage, the limit is typically lower and may vary based on the card type and country.
3. POS Transactions: The debit card can also be used for purchases at Point of Sale (POS) terminals, with limits separate from ATM withdrawals.
4. Security: AU Bank may block transactions exceeding the set limits to prevent fraudulent activities.
   
   

Example:

• If you withdraw ₹10,000 from an AU Bank ATM, it will be free of charge.
• If you withdraw ₹10,000 from a non-AU Bank ATM, it will count toward your 5 free monthly transactions. After that, a fee of ₹20 + GST will apply per transaction.

AU Small Finance Bank Debit Card Offers

The following table highlights the main offers of the Top 5 AU Small Finance Bank Debit Cards for the year 2024-2025.

Key Highlights:

1. AU Platinum Debit Card: Best for frequent spenders who want rewards, insurance, and entertainment benefits.
2. AU Classic Debit Card: Ideal for everyday use with cashback and dining discounts.
3. AU Premium Debit Card: Perfect for high-net-worth individuals seeking luxury perks and lounge access.
4. AU Rupay Debit Card: Great for UPI users and utility bill payments.
5. AU Women’s Debit Card: This Debit Card is only for women, which offers discounts on wellness, fashion, and health benefits.

Choose the card that aligns with your lifestyle and spending habits to maximise savings and benefits!

How to Activate AU Small Finance Bank Debit Card

The activation process for an AU Small Finance Bank Debit Card remains easy and uncomplicated. Customers can activate their AU Small Finance Bank Debit Card online platforms, mobile banking systems, or by visiting any ATM. Each procedure for activating your AU Small Finance Bank Debit Card includes the steps described below.

1. Activation via AU 0101 Mobile App

• Step 1: Download and install the AU 0101 Mobile App from the Google Play Store or Apple App Store.
• Step 2: Log into the app using your credentials (Customer ID and MPIN).
• Step 3: Go to the "Cards" section and select "Debit Card Activation".
• Step 4: Enter your debit card details (card number, expiry date, and CVV).
• Step 5: Set a 4-digit ATM PIN for your card.
• Step 6: Confirm the activation. Your card will be activated instantly.

2. Activation via Net Banking

• Step 1: Log in to your AU Small Finance Bank Net Banking account.
• Step 2: Move your cursor to the "Cards" section and select "Debit Card Activation".
• Step 3: Enter your debit card details (card number, expiry date, and CVV).
• Step 4: Set a 4-digit ATM PIN for your card.
• Step 5: Confirm the activation. Your card will be activated immediately.

3. Activation via ATM

• Step 1: Visit any AU Bank ATM or other bank ATM.
• Step 2: Insert your debit card into the ATM.
• Step 3: Select the "PIN Generation" or "Card Activation" option.
• Step 4: Enter the required details (card number, expiry date, and CVV).
• Step 5: Set a 4-digit ATM PIN for your card.
• Step 6: Confirm the activation. Your card will be activated instantly.

4. Activation via Customer Care

• Step 1: Call AU Bank's Customer Care at 1800-1200-1200 or 1800-258-5959.
• Step 2: Follow the IVR instructions and select the option for Debit Card Activation.
• Step 3: Provide your debit card details and verify your identity.
• Step 4: Set a 4-digit ATM PIN for your card.
• Step 5: Your card will be activated after verification.

5. Activation by Visiting the Branch

• Step 1: Visit your nearest AU Small Finance Bank branch.
• Step 2: Submit a Debit Card Activation Request Form with your identity proof.
• Step 3: The bank executive will assist you in activating your card and setting a 4-digit ATM PIN.

How to Block AU Small Finance Bank Debit Card

The AU Small Finance Bank offers customers multiple options to block their cards through online services, mobile banking, customer care, or by visiting a branch. Developed below are complete guidelines for blocking your AU Small Finance Bank Debit Card through the various procedures.

1. Block via AU 0101 Mobile App

• Step 1: Log in to the AU 0101 Mobile App using your credentials (Customer ID and MPIN).
• Step 2: Go to the "Cards" section and select "Debit Card Blocking".
• Step 3: Select the debit card you want to block.
• Step 4: Confirm the blocking request. Your card will be blocked instantly.

2. Block via Net Banking

• Step 1: Log in to your AU Small Finance Bank Net Banking account.
• Step 2: Move your cursor to the "Cards" section and select "Debit Card Blocking".
• Step 3: Select the debit card you want to block.
• Step 4: Confirm the blocking request. Your card will be blocked immediately.

3. Block via Customer Care

• Step 1: Call AU Bank's Customer Care at 1800-1200-1200 or 1800-258-5959.
• Step 2: Follow the IVR instructions and select the option for Debit Card Blocking.
• Step 3: Provide your debit card details and verify your identity.
• Step 4: Request the executive to block your card. Your card will be blocked after verification.

4. Block by Visiting the Branch

• Step 1: Visit your nearest AU Small Finance Bank branch.
• Step 2: Submit a Debit Card Blocking Request Form along with your identity proof.
• Step 3: The bank executive will assist you in blocking your card.

5. Block via SMS (if registered)

• Step 1: Send an SMS to the bank's designated number (check with AU Bank for the specific number).
• Step 2: Use the format: BLOCK <Last 4 digits of your debit card>.
• Step 3: Send the SMS from your registered mobile number. Your card will be blocked after verification.

Note:

If you have any queries related to AU Small Finance Bank, you can reach out through:

• Email Support:
  • customerservice@aubank.in  (For general queries and complaints)
    
    
• Head Office Address:
  • AU Small Finance Bank,
    Station Road,
    Bandra Kurla Complex, Bandra (East),
    Mumbai - 400051, Maharashtra, India.
     
• Important Links:
  • Official Website: https://www.aubank.in
  • Net Banking: https://netbanking.aubank.in
  • AU 0101 Mobile App: Download on Google Play | Download on App Store
  • Branch Locator: https://www.aubank.in/branch-atm-locator
    
    
• Working Hours:
  • Customer Care: 24x7 (Toll-Free Numbers)
  • Branch Timings: 10:00 AM to 4:00 PM (Monday to Friday) | 10:00 AM to 2:00 PM (Saturday)

AU Small Finance Bank FAQs

How do I activate my AU Small Finance Bank Debit Card?

Activate via the AU 0101 Mobile App, Net Banking, ATM, or by calling Customer Care.

What should I do if my AU Debit Card is lost or stolen?

Immediately block your card via the AU 0101 App, Net Banking, Customer Care, or by visiting the nearest branch.

What are the cash withdrawal limits for AU Debit Cards?

The daily limit is ₹50,000, with unlimited free withdrawals at AU Bank ATMs and 5 free transactions monthly at other bank ATMs.

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