Skip to content
littleden.blogIndependent banking product research for India
Compare
Browse
Explore the researchBanking systems, decision tools and evidence standards.
Product finder
Opens in a new tab.
Small finance bankFresh

AU Small Finance Bank

Research AU Small Finance Bank across published cards, accounts, deposits, digital payments, everyday-banking controls and business-banking services, with dated first-party evidence and product-level review dates.

Explore banking researchOfficial site ↗
20Banking profiles
10Credit cards
5Verified relationships
0Reviews due
Research systems

Start with the banking system, then open the exact product.

Each system keeps its own evidence, review date and decision fields. Shared-bank context never substitutes for exact product terms.

01Credit cardsFees, rewards, lounge, forex and approval route10profiles02Debit cardsAccount linkage, charges, ATM/POS limits and access3profiles03Savings accountsBalance rule, charges, access and debit-card relationship3profiles04Salary accountsEmployer/salary conditions and what changes if salary stops2profiles05Current accountsAQB/MAB, cash handling and business transaction pricing1profile06Fixed depositsDated rates, tenure, customer category and liquidity1profile07Recurring depositsMonthly instalment, contracted rate, tenure and missed-payment rules1profile08Merchant paymentsQR, POS, Soundbox, gateway acceptance, settlement, pricing and reconciliation1profile09International debit cardsInternational activation, overseas ATM/POS/e-commerce, forex/DCC, limits and support1profile
What this dossier does

Organizes published evidence, freshness, explicit product relationships and maintained comparisons for one institution.

What it does not do

It does not rank bank quality, predict approval, infer product bundling or claim complete coverage of the institution's live catalogue.

Exact banking research

20 published profiles with product-level evidence.

Search locally by product, fee, rate, balance, eligibility or benefit. Filtering never creates additional public URLs.

20 profilesPublished research only
Product system

Debit card

3 profiles
AU Small Finance BankDebit card

AU Small Finance Bank Kids Visa Gold Debit Card

The Visa Gold debit-card configuration explicitly offered to eligible AU Kids Savings customers above 10, with a child-specific ₹5,000 daily transaction limit.

First-party checked3 bank sourcesReviewed September 9, 2026
Cost / feeCard/service charges depend on the linked AU Kids account's current fee schedule; the Kids page itself should be checked before assuming a universal annual fee.
Best fitAU Kids customers above 10 whose guardian wants a named card with a much lower child-specific daily limit than AU's general Visa Gold tier.
View research
AU Small Finance BankDebit card

AU Small Finance Bank Platinum Debit Card

A mainstream AU Platinum Debit Card with a ₹499 annual fee, ₹2 lakh purchase limit and current merchant/insurance benefits.

First-party checked2 bank sourcesReviewed September 9, 2026
Cost / feeReviewed AU Service Fee Reckoner lists ₹499 annual fee, ₹200 lost/stolen replacement and 3.50% cross-currency markup for the AU Platinum Debit Card.
Best fitEligible AU account holders who want higher purchase limits and can use the card's recurring lifestyle offers.
View research
AU Small Finance BankDebit card

AU Small Finance Bank RuPay Classic Debit Card

AU's domestic RuPay Classic debit card for savings-account customers, with purchase protection/insurance-style benefits and a modest current transaction-limit tier.

First-party checked3 bank sourcesReviewed September 9, 2026
Cost / feeFees depend on the linked account/schedule; AU BSBDA includes the card's annual fee in its free-service treatment while lost/stolen replacement can be chargeable.
Best fitAU savings customers who need a basic domestic debit card rather than premium lounge or high-limit benefits.
View research
Product system

Savings account

3 profiles
AU Small Finance BankSavings account

AU Small Finance Bank Basic Savings Bank Deposit Account

AU Small Finance Bank's statutory BSBDA with no average monthly balance, a RuPay Classic Debit Card and first-party-documented digital/branch basic banking services.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance ruleNo average monthly balance required.
Best fitCustomers who want a regulated zero-balance AU account and can work within current BSBDA transaction/service rules.
View research
AU Small Finance BankSavings account

AU Small Finance Bank Digital Savings Account

A no-minimum-balance digital AU savings account with video-KYC onboarding, monthly interest payouts and a RuPay Platinum debit-card proposition.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance ruleNo minimum balance.
Best fitDigital-first resident customers who want a no-minimum-balance AU savings account with app-led banking.
View research
AU Small Finance BankSavings account

AU Small Finance Bank Kids Savings Account

AU Small Finance Bank's under-18 Kids Savings Account with no account-balance non-maintenance charge, digital access and a Visa Gold Debit Card option for children above 10.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance ruleNo account-balance non-maintenance charge on the child's account under the current AU Kids proposition.
Best fitFamilies wanting a child account without account-balance non-maintenance charges and with a bank-published low daily card limit for older children.
View research
Product system

Salary account

2 profiles
AU Small Finance BankSalary account

AU Small Finance Bank Platinum Salary Account

A zero-balance AU salary account for qualifying employees, bundled with a lifetime-free AU Platinum Debit Card and salary-programme privileges.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance ruleNo minimum balance while the qualifying salary relationship continues.
Best fitEmployees earning more than ₹30,000 net monthly salary at an organisation with an AU Small Finance Bank salary relationship.
View research
AU Small Finance BankSalary account

AU Small Finance Bank Royale Salary Account

AU's premium salary/family-banking programme for ₹1 lakh+ monthly salary relationships, with a Royale Debit Card, lounge/movie privileges and alternative family-level qualification routes.

First-party checked3 bank sourcesReviewed September 9, 2026
Balance ruleQualify through net salary credit of ₹1 lakh+ per month, or family-level AMB of ₹1 lakh, or family-level FD of ₹20 lakh with qualifying tenure under reviewed terms.
Best fitSenior-management/high-salary customers at empanelled employers who can meet the ₹1 lakh salary threshold or alternative family-level balance/FD criteria and use premium travel/lifestyle benefits.
View research
Product system

Current account

1 profile
AU Small Finance BankCurrent account

AU Basic Current Account

AU Small Finance Bank's entry-level business current-account tier with a ₹10,000 AMB, digital transaction access, merchant solutions and a Business Gold Debit Card.

First-party checked2 bank sourcesReviewed September 9, 2026
Balance / account costAU's current-account overview lists the Basic variant from ₹10,000 product AMB; specific non-maintenance and service charges follow the current fee schedule.
Best fitSmall businesses and proprietors seeking a lower-balance AU current account with digital collections, QR/POS support and a business debit card.
View research
Product system

Fixed deposit

1 profile
AU Small Finance BankFixed deposit

AU Small Finance Bank Regular Fixed Deposit

AU Small Finance Bank's regular callable/non-callable fixed-deposit proposition with a ₹1,000 entry amount, tenures up to 10 years and comparatively high published retail rates in selected tenure bands.

First-party checked2 bank sourcesReviewed September 9, 2026
Current rate evidenceFor deposits below ₹3 crore, general-customer rates effective 1 September 2026 reach 7.40% p.a.; the reviewed senior-citizen table reaches 7.90% p.a. in the applicable tenure band.
Best fitRate-sensitive depositors who are comfortable with a small finance bank and want to compare callable liquidity, payout choices and the current tenure-specific rate before booking.
View research
Product system

Recurring deposit

1 profile
AU Small Finance BankRecurring deposit

AU Small Finance Bank Recurring Deposit

AU Small Finance Bank publishes an unusually granular RD rate table from 3 months to 120 months, including a 31–36 month peak band and separate senior-citizen rates.

First-party checked2 bank sourcesReviewed September 9, 2026
Current rate evidenceRates effective 10 June 2026 range from 4.75% to 7.40% p.a. for regular customers and from 5.25% to 7.90% p.a. for eligible resident senior citizens; the reviewed peak is 31–36 months.
Best fitMonthly savers comparing higher-yield small-finance-bank RD options who are comfortable checking the exact booking-date rate and tenure band.
View research
Product system

ATM & cash service

1 profile
AU Small Finance BankATM & cash service

AU Small Finance Bank ATM & Cash Services

AU Small Finance Bank's ATM, CDM and branch-cash profile using its current 5 April 2026 service-fee schedules, with account-tier variation and aggregated cash-deposit charging preserved.

First-party checked2 bank sourcesReviewed September 10, 2026
Balance ruleATM/cash benefits vary by AU account proposition and relationship balance. The current schedule is explicitly product/variant-based; no universal AU own-bank free count is inferred.
Best fitAU customers comparing ATM and cash usage who need their exact account tier matched because own-bank free counts and monthly cash-deposit allowances vary across AU schemes.
View research
Product system

Bill payment service

1 profile
AU Small Finance BankBill payment service

AU Small Finance Bank BillPay — Bharat Connect

AU's Bharat Connect BillPay across AU 0101 App, NetBanking and branches with zero current digital convenience fee, broad biller categories, AutoPay, instant confirmation, transaction history and a 2–3-working-day failed-payment refund rule.

First-party checked3 bank sourcesReviewed September 10, 2026
Balance ruleRequires a valid supported payment source. Existing AU customers can use linked bank account or supported AU credit card in digital BillPay; non-AU users can initiate supported app flows using a UPI ID.
Best fitAU customers who want a clearly documented Bharat Connect implementation with app/web AutoPay, status history and a short published failed/incomplete-payment refund window.
View research
Product system

Digital banking service

1 profile
AU Small Finance BankDigital banking service

AU Small Finance Bank Digital Banking — AU 0101 App & NetBanking

AU Small Finance Bank's combined AU 0101 app and NetBanking profile, with mandatory mobile device binding, full-versus-view registration states, shared ₹10 lakh rail limits and a clearly published three-hour new-payee restriction.

First-party checked6 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible AU relationship. Registration can provide view-only access when full card authentication is skipped; digital access does not waive the balance rules of the linked account.
Best fitAU customers who want unusually explicit shared App/NetBanking transfer limits, detailed card controls and a clear distinction between view-only and full transaction access.
View research
Product system

International banking service

1 profile
AU Small Finance BankInternational banking service

AU Small Finance Bank International Debit Card & Overseas ATM Banking

AU Small Finance Bank international debit-card profile covering default-off overseas channels, granular AU 0101 controls, ₹150/₹25 standard overseas-ATM references and highly variant-specific cross-currency pricing from 3.5% down to 0.90% or 0% on qualifying programmes.

First-party checked7 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible AU account and international-capable debit card. Product/programme status determines overseas capability, fee waivers and cross-currency rate.
Best fitAU customers who want granular ATM/POS/online/contactless international controls and need to compare the exact debit-card/programme forex markup instead of assuming all AU cards share one travel rate.
View research
Product system

Merchant payment service

1 profile
AU Small Finance BankMerchant payment service

AU Small Finance Bank Merchant Payments — AU UPI QR, Soundbox & POS

AU Small Finance Bank's merchant collection stack centres on AU UPI QR and Soundbox in the AU 0101 Business App, with staff controls, real-time transaction visibility, selectable settlement cycles, POS and payment-gateway options kept as separately scoped services.

First-party checked4 bank sourcesReviewed September 10, 2026
Balance ruleThe merchant selects a settlement account during AU QR onboarding. Any current-account AMB needed for package benefits remains attached to that account variant, not to QR acceptance universally.
Best fitAU business customers that want app-managed QR/Soundbox acceptance, multiple QR issuance, staff access and the ability to choose instant or scheduled UPI QR settlement cycles.
View research
Product system

Forex & prepaid travel card

1 profile
AU Small Finance BankForex & prepaid travel card

AU Small Finance Bank Multi-Currency Forex Card

AU Small Finance Bank's Mastercard multi-currency forex card with six wallets, online/branch reload, selectable channel controls, clear current fees and emergency-cash assistance.

First-party checked2 bank sourcesReviewed September 10, 2026
Balance ruleUp to six wallets: CAD, EUR, GBP, AED, USD and JPY. Minimum initial load is USD 100 equivalent and aggregate load is subject to the USD 250,000-equivalent LRS ceiling.
Best fitAU account holders who want a newer six-currency Mastercard travel card with transparent load/reload/refund fees and self-service e-commerce/contactless controls.
View research
Product system

Bank transaction-limit profile

1 profile
AU Small Finance BankBank transaction-limit profile

AU Small Finance Bank Transaction Limits

A normalized AU Small Finance Bank limit profile covering the shared AU 0101 transfer table, new-payee and one-time controls, UPI device cooling, payment-gateway limits and card/cash scope.

First-party checked6 bank sourcesReviewed September 10, 2026
Balance ruleLimits depend on the exact AU account/card variant and configured AU 0101 customer controls; customer-set values can be lower than published maxima.
Best fitAU customers who want the exact retail AU 0101, UPI, debit-card and new-payee limit rather than a generic ₹10 lakh digital ceiling.
View research
Product system

Bank transfer service

1 profile
AU Small Finance BankBank transfer service

AU Small Finance Bank Transfers — NEFT, RTGS & IMPS

AU's transfer profile provides unusually explicit shared AU 0101 App/NetBanking limits: ₹10 lakh daily for NEFT, RTGS and IMPS, a ₹50,000 first-three-hours new-payee cap and a separate ₹50,000 one-time-transfer path.

First-party checked8 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible AU account with AU 0101 transaction access and sufficient available balance. Customer-managed/default digital limits and the underlying account's own restrictions remain applicable.
Best fitAU customers who want app and NetBanking limits, a short new-payee restriction and AU's nightly NEFT/RTGS maintenance window documented in one rail-specific profile.
View research
Product system

UPI payment service

1 profile
AU Small Finance BankUPI payment service

AU Small Finance Bank UPI — AU 0101

AU 0101 UPI profile with bank-published Android/iOS first-use cooling, ₹1 lakh steady-state daily debit limit, incoming-P2P controls and support for UPI Lite, UPI Circle and mandates.

First-party checked7 bank sourcesReviewed September 10, 2026
Balance ruleRequires an eligible linked bank account and registered-mobile setup for account-funded UPI. AU’s app registration verifies the mobile number by SMS and the eligible bank account/debit-card details.
Best fitAU customers who want a current bank-level UPI profile that distinguishes outgoing debit limits, incoming credit controls and device-platform cooling periods.
View research
Credit-card system

10 published card profiles linked to this institution.

Card research remains issuer-specific. This institution page provides direct entry points without flattening fees, rewards, lounge access or forex treatment.

3No-standard-fee
4Premium
5Travel / airline
4Low-forex tagged
Credit-card research

AU Altura Credit Card

₹199 + applicable taxes.

Reviewed September 11, 2026
Credit-card research

AU Altura+ Credit Card

₹499 + applicable taxes.

Reviewed September 11, 2026
Credit-card research

AU LIT Credit Card

Lifetime-free base card under the reviewed issuer page

Reviewed September 11, 2026
Credit-card research

ixigo AU Credit Card

Currently offered lifetime-free for a limited period; AU’s broader current card listing publishes ₹999 standard annual/renewal pricing and a ₹1 lakh annual retail-spend waiver when that standard fee applies.

Reviewed September 11, 2026
Credit-card research

AU Vetta Credit Card

₹2,999 + applicable taxes.

Reviewed September 11, 2026
Credit-card research

AU Zenith Credit Card

₹7,999 + applicable taxes.

Reviewed September 11, 2026
Rewards Credit Cards8Airport Lounge Credit Cards6Travel Credit Cards5Cashback Credit Cards4Beginner & Entry-Level Cards4Railway Lounge Credit Cards4
Open the full AU Small Finance Bank issuer dossier →
Verified relationship graph

Only institution-documented product relationships appear here.

Same-bank placement never creates an inferred relationship. Every edge keeps its own wording, review date and first-party evidence.

Explore the full verified relationship graph →
Maintained product comparisons

Side-by-side research only where a substantive pair is maintained.

Costs, relationship requirements, benefits, limits, eligibility and source state remain separate for each product.

Browse the complete banking comparison library →
Research activity

Recent review and material-change chronology.

Recent activity describes maintenance work. It is not a product-quality signal.

Credit card

AU LIT Credit Card

Underlying product review: September 11, 2026.

Institution-level research

Compare banking ecosystems without manufacturing a universal winner.

Bank-vs-bank routes summarize existing research and link back to exact product-level evidence.

AU Small Finance BankvsFederal BankCompare →
Browse all institution comparisons →
Official evidence & accountability

Research here. Transact from the institution's current live terms.

Each published product keeps its own review date and first-party sources. Institution-level evidence never replaces product-level terms.

Official institution

AU Small Finance Bank

www.au.bank.in

↗
Institution source reviewed

September 9, 2026

See current maintenance state across published records.

→
Research standards

Methodology

Source hierarchy, conflicts, freshness and publication safeguards.

→
Research accountability

Corrections

Report evidence-backed errors through the public correction route.

→