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Premium

Banking Benefits

Where banking meets privilege

Curated Wealth Solutions

Sophisticated Equity Investing delivered through 3-in-1 Trading Account

Premium Credit Card

Benefits that complement your lifestyle, rewards that go beyond

 

 

Zero Markup & Zero Charges on International Money Transfers

More savings across all your remittance needs

AU ivy Debit Card

Explore bespoke benefits of AU ivy Debit Card

 

 

 

Curated Lifestyle Offerings

Indulge in crafted luxury across entertaining, travel, dining & more

 

Live it up with Taj

Indulge in the exclusive luxury that Taj offers
 

 

 

Concierge Services

Here to make life easier with everyday tasks, special occasions, all handled with personalised care.

Golfing Getaways

Get 2 complimentary Golf plays every quarter and enjoy access to other services like golf course reservations, apparel assistance and much more

Zero Cross Currency Mark-up

Instant access, 24x7

Airport Lounge Access

Airport Lounge Access

Not sure which product is right for you?

  • Personal assistance
  • No spam

Customer support

24x7 help

Get support

Things to know

How to apply

This is a an invite-only program.
To express interest, click here

Account Eligibility

  • Net Salary Credit: ₹5 Lakhs or more per month in AU ivy Salary Account

OR

  • Maintain an Average Quarterly Balance (AQB) of ₹25 Lakhs at group level

OR

  • Maintain a Total Relationship Value (TRV) of ₹2 Crores at group level


Please note:

  • *Total Relationship Value (TRV) includes Savings Account Average Monthly Balance + Current Account Average Monthly Balance + Fixed Deposit Balance + Mutual Fund AUM^^ with AU Small Finance Bank.
  • Account holder must be a resident of India.
  • A group in AU ivy Program is defined as a family of blood relationships such as parents, children, spouse, siblings, grandparents, and grandchildren. All family members are entitled to the same benefits.
  • A maximum of 10 members are allowed in a group.
  • The account holder must be an employee on the payroll of an entity empanelled under the AU Small Finance Bank Enterprise Salary Program.

Rates & charges

AU ivy is a one of its kind no service charge program. To learn more, click here.

Standard charges applicable for all other services and products , not listed above.

 

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AU ivy Debit Card

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    Higher daily withdrawal & purchase limits

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    ATM withdrawal : 4 lakhs

  • To explore more offers on AU ivy Debit Card, click here.

Premium Credit Card

Indulge in the exclusive world of the Zenith+ Metal Credit Card, where every offering is meticulously crafted to complement and extraordinary lifestyle

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    Luxury brand vouchers worth INR 5,000 on Zenith+ Metal credit card activation

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    Low forex card mark-up fee of 0.99% on international spends

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    4 complimentary international & domestic airport lounge access every quarter

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    16 complimentary BookMyShow passes in a year

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    8 complimentary golf lessons in a year to fuel your passion

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    An accelerated reward points program to make every moment even more rewarding

Zero Cross Currency Mark-up

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    Spend carefree with no extra fees charged on your international AU ivy Debit Card transactions^

    Transact in local foreign currency

     

    Avail benefit on international online, 
in store & ATM transactions

     

    Spend carefree with no extra fees charged on your international AU ivy Debit Card transactions^. To know more, click here.

^The exchange rate used will be the VISA card wholesale exchange rate prevailing at the time of transaction. Zero cross currency charges applied on AU ivy Debit Card for transactions done in foreign currency only. Dynamic currency conversion charges may apply if INR is used as a currency of settlement for foreign transactions, customer to select foreign country local currency (option visible on the respective transaction mode – ATM/POS machines) while transacting outside India to avoid any extra charges.

Golfing Getaways

To avail below benefits, connect with our Concierge Desk through our toll-free Phone Banking number 1800 1200 1200 & click 2 for Concierge Services. You can also mail us at concierge@aubank.in.

 

  • Golf Plays reservation and Lessons Assistance
  • Golf Equipment and Apparel Assistance
  • Golf Events Assistance

 

To explore the list of golf courses, click here.

Airport lounge access

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    Make travel more comfortable with 4 domestic and 4 international airport lounge access per quarter

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    For international travel*:

    Access using your AU ivy Debit Card or the priority pass app. Click here for the eligible lounge list and use ‘Find lounges and more’ to search international locations.

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    For domestic travel^:

    Access using your AU ivy Debit Card. Click here for the eligible lounge list.

Disclaimers

*Applicable for AU ivy Debit Card holders. Alternatively, access via priority pass app by registering your AU ivy Debit Card. One-time authentication fee of $1 will be charged while registration. Fee is refundable within 7–10 working days. Guest fee applicable and is non-refundable. Ensure international usage and e-commerce settings are enabled on your AU ivy Debit Card.

^Applicable for AU ivy Debit Card holders. An authentication fee of ₹2 per access will be charged. Guest fee applicable. Access and guest fee are non-refundable. Ensure e-commerce settings are enabled on your AU ivy Debit Card.

Banking Benefits

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    Get 2 complimentary lockers per group

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    No annual maintenance charges for your Demat account

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    Free demand drafts & chequebook services

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    Free debit card & ATM transactions

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    Free statements & alerts

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    Unlimited cash deposit & withdrawal

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    Unlimited digital payments

Live it up with Taj

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    Taj Epicure Preferred Membership joining offer (First year)

    Get a red- carpet welcome with a complimentary Taj epicure preferred membership. Complimentary stay, discounts of F&B, spas and much more.


    Click here to learn more about the offer.

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    Taj Epicure Preferred Membership renewal offer

    Upon completion of program anniversary year and milestone criteria, enjoy exclusive benefits of Taj epicure preferred membership with our renewal offer.

     

    Click here to learn more.

Curated Lifestyle Offerings

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    Complimentary tickets on BookMyShow

    Get 96 complimentary tickets in a year with BookMyShow’s Buy 1 Get 1 free offer using AU ivy Debit Card

     

    You can avail 8 free tickets every month (6 movie, 2 events), with a maximum discount of INR 500 per ticket

     

    Click here to know more.

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    1 year complimentary EazyDiner Prime membership.

     

    Across 2,000+ premium restaurants in India
    guaranteed minimum 25% discount.

     

    Click here to know more.

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    Free annual digital subscriptions to Livemint & Wall Street Journal. Click here to know more.

Curated Wealth Solutions

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    Our offerings encompass:

    Managed investment solutions: Mutual funds, PMS (Equity and debt), AIF (Category 1,2 & 3) and GIFT city-based structures

     

    Market-linked solutions & access: Fixed income (Bonds, REIT, INVITs, etc.), Direct equities and commodities, derivatives and IPO-ASBA

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    Value-added features for your convenience:

    Smart Combo: A bespoke basket of mutual fund schemes, curated exclusively for your risk appetite, investment horizon, and objectives.

     

    Track external investments: Gain unparalleled control with a single-view dashboard to track your mutual fund portfolio—whether through banks, fintech platforms, distributors, stockbrokers, or direct channels.

     

    Expert guidance: A dedicated team of experienced wealth specialists is at your service, offering priority support to meet your financial ambitions.

Insurance that brings Assurance

Higher Insurance coverage on AU ivy debit card

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    Air Accident Cover – INR 3 Crore

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    Indemnity cover –  INR 10 Lakh

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    Loss of Baggage – INR 5 Lakh

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    Personal Accident Cover – INR 15 Lakh

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    Overall Purchase Protection – INR 1 Lakh

Concierge Services

  • Complimentary Concierge service platform

    telephone

    Call 1800 1200 1200 & press 2

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    Travel Treasures – Flight information and ticketing, luxury yacht/cruise, trip planning

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    Golfing Getaways – Avail 2 complimentary golf plays per quarter

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    Culinary Escapades - Dining and Reservation Assistance, private dining, Food tours

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    Business Services- Conference information and services, courier service assistance, messenger service

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Zero Markup & Zero Charges on International Money Transfers

Secure your loved ones and Valuables with the Insurance coverage on your feature rich Debit Card.

Zero markup and zero charges offer applicable to individual customers.

All Standard T&C Apply

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    Transfer funds globally from India via AU Remit & get-

     

    • ZERO Forex Markup
    • ZERO Transaction Charges
    • Zero Foreign Bank Charges

     

    Send Money Abroad: https://www.au.bank.in/personal-banking/forex/send-money-abroad

     

    You may use AU Remit to transfer funds online in USD, EUR, GBP, AED, CNY, SGD and CAD.

     

    For outward remittances in other currencies, please visit your nearest AU Small Finance Bank branch

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    Transfer funds to India via Inward Remittance & get-

     

    • Zero Forex Margin
    • Faster & Secure Credit
    • Transfer in Major Currencies

     

    View SWIFT Details here: https://www.au.bank.in/business-banking/swift-and-bic

     

    For inward remittances we facilitate wire transfer in USD, EUR, GBP, AED, CAD, JPY and CNY

Important Disclosure: For inward remittances correspondent and intermediary bank charges, if applied by overseas banks on the sender side, remain outside AU’s control and are transparently disclosed. GST on applicable fees as per Government of India norms. All services are subject to FEMA, RBI guidelines and AU Small Finance Bank’s terms and conditions.
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