Compare AU Small Finance Bank Kids Visa Gold Debit Card and PNB Master Grow Platinum Debit Card using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
AU 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.
Eligible PNB GROW minor customers who need a clearly documented child debit-card limit and can understand the yearly-balance condition for AMC waiver.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/au-kids-visa-gold-debit-card-vs-pnb-master-grow-platinum-debit-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 11, 2026
Maintenance: Source recheck advised
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Conflict or scope mismatch flagged in the record. Read the source caveats before relying on these terms.
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| Decision factor | AU Small Finance Bank Kids Visa Gold Debit Card | PNB Master Grow Platinum Debit Card |
|---|---|---|
| Cost / charges | Card/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. | PNB current debit-card directory lists ₹250 issuance, ₹250 AMC and ₹250 replacement (excluding GST) for MasterCard Platinum GROW. The current GROW scheme leaflet separately advertises free issuance and AMC waiver when ₹5,000 yearly average balance is maintained, so scheme-vs-card-directory pricing remains an explicit first-party conflict. |
| Linked account | Requires the eligible AU Kids Savings relationship; the current Kids account has no account-balance non-maintenance charge. | Requires PNB GROW relationship; the account itself has zero MAB, while the card AMC waiver uses a separate ₹5,000 yearly-average-balance condition. |
| Core benefits | Visa debit-card access with customizable controls through the AU relationship and the current Kids account digital-banking stack. | Scheme-specific Mastercard debit access plus current GROW-linked rewards/offers subject to scheme terms. |
| Transaction limits | ₹5,000 current daily transaction limit for Visa Gold Debit Card - Kids account; AU separately lists ₹75,000 for the general Visa Gold card, so the child-specific limit is controlling here. | ₹10,000 ATM cash withdrawal per day, ₹10,000 combined POS/e-commerce per day and ₹5,000 contactless per day. |
| Eligibility | AU savings overview states Visa Gold Debit Card availability for children above 10 with Kids Savings Account. | Issued in the PNB GROW minor-account relationship under the scheme's guardian/self-operation rules. |
| Account relationship | Relationship-specific endpoint prevents the generic ₹75,000 Visa Gold limit from overwriting the ₹5,000 Kids-account limit. | Exact named card endpoint derived from PNB's current GROW scheme leaflet rather than a generic PNB debit-card inference. |
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Reviewed September 9, 2026 · 3 attached first-party sources
Reviewed September 11, 2026 · 3 attached first-party sources