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Indian Overseas Bank RuPay vs AU Royale

Compare Indian Overseas Bank RuPay vs AU Royale across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

AU Royale leads on reward rate, while Indian Overseas Bank RuPay has the lowest annual fee.

Card 1

Indian Overseas Bank RuPay

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.2.5

Card 2

AU Royale

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.6.5
Indian Overseas Bank RuPay Credit Card
No-fee value2.5

iob / RUPAY

Indian Overseas Bank RuPay

Annual

₹0

Return

1%

Lounges

0

Forex

3.5%

Card summary
  • Indian Overseas Bank RuPay leans reward-led with ₹0 annual fee, 1% headline return potential, and 0 lounge access.
Pros
  • No annual fee improves first-year and renewal value.
  • 1% reward rate can outperform flat cashback for loyal users.
  • Simple everyday positioning without premium travel complexity.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Low ownership cost with upside from recurring spends.

Full card details
AU Royale - AU credit card
Balanced value6.5

au / VISA

AU Royale

Annual

₹2,500

Return

3.5%

Lounges

10

Forex

2.5%

Card summary
  • AU Royale leans travel and lifestyle with ₹2,500 annual fee, 3.5% headline return potential, and 10 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹2,500 annual fee.
  • 3.5% reward rate can outperform flat cashback for loyal users.
  • 10 lounge access adds travel utility.
Cons
  • 2.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
Indian Overseas Bank RuPay
AU Royale
Fees
Annual fee
₹0
₹2,500
Joining fee
₹0
₹2,500
Rewards
Cashback rate
0.25%
1%
Reward rate
1%
3.5%
Travel
Forex markup
3.5%
2.5%
Domestic lounges
0
6
International lounges
0
4
Benefits
Fuel waiver
Yes
Yes
Dining
No
Yes
Movies
No
Yes
Eligibility
Minimum income
₹1,00,000
₹8,00,000

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