AU Small Finance Bank Exclusive Banking Program for Company Secretaries: A Complete Guide

As a Company Secretary, your financial requirements are unlike those of most professionals. You manage compliance obligations, advise boards, navigate complex regulatory frameworks, and often run your own practice — all while managing personal finances that need to work just as hard as you do.

AU Small Finance Bank's exclusive Company Secretary Banking Program is built around this reality. This program brings together a purpose-built Savings Account, Current Account, and Lifetime Free Credit Card — each carrying features specifically curated for CS professionals. Whether you are managing personal savings, running a professional practice, or spending on travel and compliance tools, this program has been designed to deliver genuine value at every level.

What the Program Includes

Savings Account — Smart, Flexible Banking for CS Professionals

Your savings should work as hard as you do. The AU Small Finance Bank Company Secretary Savings Account is designed for professionals who want high returns, zero restrictions, and the convenience of managing family finances from a single relationship.

Why it matters: Most savings accounts either demand a high minimum balance or offer negligible interest. This account removes both barriers — giving CS professionals a high-yield, zero-restriction savings experience backed by the trust of AU Sk.

Current Account — Built for the Way You Practice

Managing a CS practice involves a constant flow of professional transactions — vendor payments, regulatory filings, client retainers, and compliance tool subscriptions. The AU Small Finance Bank Company Secretary Current Account is structured to make this flow seamless, with features that reflect the unique professional identity of a CS member.

Why it matters: This program enables CS professionals to use their membership number as a part of their account number, integrating their professional identity with their banking relationship. Along with compliance tool discounts, it helps reduce the operational cost of managing a professional practice.

Debit Card Benefits

• Free Debit card with CS member logo
• Buy 1 Get 1 Free on BookMyShow movie tickets (attractive discounts, applicable twice a month)
• 8 complimentary domestic airport lounge visits per year*
• Fuel surcharge waiver
• Assured insurance benefits with your debit card Curated

• Merchant offers on Bigbasket and Zomato

Airport Lounge Access — Breakdown

Program at a Glance

How to Apply

Joining the AU Small Finance Bank Company Secretary Banking Program is simple. Eligible CS members can apply through:

• AU Small Finance Bank website

  online application with video KYC

• Nearest AU Small Finance Bank branch

  Visit your nearest branch for assisted onboarding

Documents required: To apply for the programme, applicants are required to submit a valid CS membership certificate, PAN card, Valid ID Proof and address proof. Additionally, as part of the programme offerings, a current account and credit card can be availed. For the current account, relevant documentation must be provided as per the applicable constitution, while income proof may be required for the credit card application.

Conclusion

Company Secretaries occupy a unique position in India's corporate ecosystem — trusted by boards, accountable to regulators, and essential to governance. Your banking should reflect that standard.

The AU Small Finance Bank Company Secretary Banking Program is not a generic offering with a CS label attached. Every feature — from the CS membership number as your account number, to compliance tool discounts, to the lifetime free credit card — has been chosen because it solves a real problem or adds genuine value to your professional and personal financial life.

Frequently Asked Questions

Q1. Can I use my family members' Savings Accounts independently, or are they linked to my account?

Each family member gets their own independent Savings Account under the family banking facility — with their own account number, debit card, and transaction history. However, all accounts are grouped under your primary CS banking relationship, and your family will be Zero balance feature also.

Q2. What does the cross-currency mark-up on the Savings Account & Current Account mean?

When you use your AU Small Finance Bank CS Savings Account Debit Card for international transactions — whether for overseas travel, foreign currency purchases, or international subscriptions — a low cross-currency conversion charge is applied. This is significantly lower than the standard industry rate of 3–3.5%, making it more cost-effective for CS professionals who deal with international payments or travel abroad for professional engagements.

Q3. Can I use my CS membership number as my Account number from day one?

Yes, subject to availability and verification of your ICSI membership credentials. During the account opening process, your CS membership number is verified against ICSI records. Once confirmed, it is mapped as your Current Account number. This feature is unique to the AU Small Finance Bank CS Banking Program and is available to all practising members with a valid and active membership number. Customer needs to inform the branch staff that choice account number is required

Q4. How does the Reward Points on the Credit Card work — on which categories do I earn?

The Credit Card offers up to 5X Reward Points on accelerated spend categories, which typically include professional and lifestyle spends such as dining, travel bookings, and select online categories. Base earn rate applies on all other spends. Specific accelerated categories and earn rates are detailed in the card's Most Important Terms and Conditions (MITC) document provided at the time of card issuance. Points do not expire as long as the card account remains active.

Q5. Is the Credit Card truly lifetime free — are there any conditions to waive the annual fee?

Yes — the AU Small Finance Bank Company Secretary Credit Card is lifetime free with no conditions attached. There is no joining fee, no annual fee, and no minimum spend threshold required to waive any charges. The lifetime free benefit applies for the entire duration of your card membership, regardless of how much or how little you spend on the card.

Q6. Are there any charges for the Current Account — such as transaction fees or maintenance charges?

The Current Account has no minimum balance requirement — meaning no non-maintenance charges are levied. However, standard banking charges may apply for services such as outward NEFT/RTGS beyond the free monthly limit, demand drafts, cheque book issuance beyond the complimentary set, and cash deposit/withdrawal beyond defined limits. A complete schedule of charges is provided at account opening and is available on au.bank.in.

Apply today and be among the first CS professionals to experience banking that truly works for you.