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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 evidencePublished researchReviewed September 9, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Salary / balance conditionQualify 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.
Cost / chargesZero-balance salary treatment while the qualifying relationship continues; specific service and debit-card charges are governed by the current AU Royale Service Fee Reckoner.
Limits / allowancesDebit-card transaction limits and service allowances follow the current AU Royale Debit Card and programme fee schedule.
Ongoing salary ruleSalary is the primary route, but qualifying family-level AMB or FD can preserve Royale status; after three continuous months without salary the bank can change the account to a savings variant if alternate criteria are not maintained.
Research processPublished by bankingreference.info

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

3 first-party sources
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: January 7, 2027.

Critical decision facts

Start with the ongoing account relationship, then price the access layer.

Balance or salary conditions, charges, allowances and downgrade rules can matter more than a promotional benefit.

01 · Salary / balance conditionQualify 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.
02 · Cost / chargesZero-balance salary treatment while the qualifying relationship continues; specific service and debit-card charges are governed by the current AU Royale Service Fee Reckoner.
03 · Limits / allowancesDebit-card transaction limits and service allowances follow the current AU Royale Debit Card and programme fee schedule.
04 · Ongoing salary ruleSalary is the primary route, but qualifying family-level AMB or FD can preserve Royale status; after three continuous months without salary the bank can change the account to a savings variant if alternate criteria are not maintained.
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Cost / chargesZero-balance salary treatment while the qualifying relationship continues; specific service and debit-card charges are governed by the current AU Royale Service Fee Reckoner.
Salary / balance conditionQualify 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.
Core benefitsAU Royale Debit Card, up to 2 domestic airport lounge opportunities per quarter, movie/lifestyle benefits, relationship management and family-banking privileges under current conditions.
Limits / allowancesDebit-card transaction limits and service allowances follow the current AU Royale Debit Card and programme fee schedule.
Employer / salary eligibilityResident India customer employed by an entity empanelled for AU's salary programme, with the stated salary/relationship criteria; group rules apply to family qualification.
Ongoing salary ruleSalary is the primary route, but qualifying family-level AMB or FD can preserve Royale status; after three continuous months without salary the bank can change the account to a savings variant if alternate criteria are not maintained.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Senior-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.

Verify before relying
  • Premium programme qualification is much higher than AU's mass-market salary tiers.
  • Lounge/movie/milestone benefits have spend and programme-eligibility conditions.
  • If salary stops, the account can be reclassified and savings-account terms can apply.
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

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First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

01
Primary product / service sourcewww.au.bank.in
Open source ↗02
Additional first-party evidencewww.au.bank.in
Open source ↗03
Additional first-party evidencewww.au.bank.in
Open source ↗
Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.