Debit Card Linked Insurance Coverage Benefits
Value of Insurance Cover as per card variant
| Coverage (in INR) | ||||
Card Types | Personal Accident | Air Personal | Purchase Protection | Card Liability | Loss of Baggage |
AU Royale (Visa Signature / Mastercard World) | 7,50,000 | 1,00,00,000 | 50,000 | 4,00,000 | 2,00,000 |
AU Royale Business (Visa Signature Business) | 10,00,000 | 1,00,00,000 | 50,000 | 5,00,000 | 2,00,000 |
AU Classic (RuPay) | 1,00,000 | 1,00,000 | 20,000 | 75,000 | - |
AU Platinum (RuPay) | 2,00,000 | 5,00,000 | 20,000 | 2,00,000 | - |
AU Business Gold (VISA) | 3,00,000 | - | 20,000 | 1,00,000 | - |
AU Business Platinum (VISA) | 5,00,000 | 15,00,000 | 25,000 | 2,00,000 | - |
AU Gold (VISA) | 3,00,000 | - | 20,000 | 75,000 | - |
AU Platinum (VISA/Mastercard) | 5,00,000 | 15,00,000 | 25,000 | 2,00,000 | - |
AU Bachpan Card | 25,000 | - | 20,000 | 10,000 | - |
AU Salary Value (RuPay ) | - | 5,00,000 | 25,000 | 75,000 | 50,000 |
AU Salary Value (Visa) | 2,00,000 | 5,00,000 | 25,000 | 75,000 | 50,000 |
AU Salary Value/ Platinum (Mastercard) | 5,00,000 | 50,00,000 | 25,000 | 2,00,000 | 1,00,000 |
AU ivy | 15,00,000 | 3,00,00,000 | 1,00,000 | 10,00,000 | 5,00,000 |
AU Eternity - Mastercard World / World Business | 10,00,000 | 1,00,00,000 | 75,000 | 5,00,000 | 2,00,000 |
For RuPay Platinum card, the Personal Accident cover & Permanent Total Disability cover is provided by NPCI. Click here for claim process, Terms and Conditions.
For RuPay PMJDY customers. Click here for further details, claim process, Terms and Conditions.
Eligibility for Debit Card Insurance
Debit Card Insurance benefit is a complimentary service offered to all our AU Small Finance Bank Debit Card holders. In case you want to make a claim, you need to follow the points below:
General Terms and Conditions:
- The insurance cover is applicable only to active cards. An Active Card is defined as the card with one transaction / activity on any ATM/POS/e-commerce terminal in last 90 days from date of loss.
- The cover is applicable for primary cards only. Add-on Cards are not covered.
Personal Accidental Cover
- Claim is payable only once per cardholder, irrespective of the number of cards held.
- If multiple cards are held, the claim will be settled on the card with the highest Sum Insured.
- Coverage is applicable for accidental death due to sudden, unforeseen, and external violent events.
- Claim must be reported within 60 days of the incident.
Personal Accident – Air (Death Only)
- Covers death during scheduled air travel, only if ticket booked on the card
- Not covered: pilots, air crew, armed forces, police
- Payable once per cardholder (highest Sum Insured applies)
- Claim reporting within 90 days
Purchase Protection
- Covers loss/damage (fire, burglary) of goods bought using card
- Valid for 90 days from purchase
- Exclusions: jewellery, perishables, earthquake, terrorism, mysterious loss
- Claim within 60 days
- Applicable in India only
Card Liability Cover
- Covers unauthorized transactions due to:
- Lost/stolen/cloned cards
- Skimming, online fraud, ATM manipulation
- PIN misuse under duress
- Includes:
- Assault at ATM (with CCTV proof)
- Theft within 1 hour of withdrawal
- Exclusions:
- Known persons, insecure websites
- System errors, failed/duplicate transactions
- Bank server/data breach
- Requirements:
- Block card within 3 days
- FIR mandatory (>₹25,000)
Loss of Checked-in Baggage (International)
- Covers total loss of baggage on international flights
- No coverage for partial loss or valuables
- Documents required: invoices, PIR, airline confirmation
- Claim within 60 days
How to Claim Your Insurance?
- Contact our call center on 1800 1200 1200.
- Visit your nearest to AU Small Finance Bank branch to raise a claim.
- Or send and email to claims@aubank.in , with below details
- Card Number
- Dispute Type & Amount
- Date of Incident
For any claim related query, we request you to contact your nearest to AU Small Finance Bank branch or our contact center on 1800 1200 1200.
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