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Personal
Business
NRI
Premium

Banking Benefits

Where banking meets privilege

Curated Wealth Solutions

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

Traverse Credit Card for NRIs

Benefits that complement your global lifestyle, rewards that travel as far as you do

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

 

 

 

Live it up with Taj

Indulge in the exclusive luxury that Taj offers
 

 

 

Get MakeMyTrip Travel Benefits

Concierge Services

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

Curated Lifestyle Offerings

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

Airport Lounge Access

Zero Markup & Zero Charges on International Money Transfers

More savings across all your remittance needs

Zero Markup & Zero Charges on International Money Transfers

More savings across all your remittance needs

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

Eligibility

Eligibility Criteria for AU ivy Program

  • Applicable for Resident Individuals and Non Resident Indian Individuals
  • Maintain an Average Quarterly Balance of INR 25 Lakhs in Savings Accounts at group level*
    Or
    Maintain a Total Relationship Value** (TRV) of INR 2 crore at group level
    Or
    Net Salary credit#  >= INR 5 Lakhs (for AU ivy Salary Account)
  • Available only at select locations

 

*For NRI: Combined balance of NRE & NRO will be calculated for AQB

(**Total Relationship Value (TRV) includes SA AQB , Fixed Deposit (tenure >= 6 months) and ^^Mutual Fund AUM with AU Small Finance Bank). ^^Mutual Funds investments in Equity & Debt schemes (Excluding Liquid & Cash equivalent) will be considered as part of the TRV

#Net Salary credit criteria will be considered only in AU ivy Salary account under Primary Group ID. AU ivy Salary account can be offered to employees of eligible corporates only.

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 &
    POS Ecommerce : 10 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

Traverse Credit Card for NRIs

Indulge in a world of global privileges with the AU Traverse Credit Card, thoughtfully crafted for NRIs who seek seamless international spending, premium travel experiences, and rewarding milestones.

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    Welcome Benefit with a MakeMyTrip voucher worth ₹5,000 on card activation

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    Low Forex Mark-up Fee of 0.99% on international spends

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    Complimentary Domestic and International Airport Lounge access every quarter

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    Airport Meet & Assist services for a smoother travel experience

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    Complimentary Airport Spa access to unwind before your journey

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    Flat ₹500 Cashback on duty‑free shopping on eligible spends

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    Accelerated Reward Points on international and domestic spends

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 Experiences Gift Card offer for non-resident individuals

    NR customers can avail Taj Experiences Gift Card to enjoy rejuvenating luxury spa therapies, elegant hotel stays offering unmatched comfort, and gourmet dining experiences to savour.

    Click here to view the joining offer.

    Click here to view the renewal offer.

Zero Markup & Zero Charges on International Money Transfers

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 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.

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.

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.

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.

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: 

    Write to us at: concierge@aubank.in.

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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

Get MakeMyTrip Travel Benefits Worth ₹2000

  • Use them on cab services to travel comfortably and conveniently during your stay in India.
    Click here to know Step-By-Step guide to redeem the benefit.

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