AU Bank Paytm AU Credit Card
Updated 3 Jul 2026Source-linked
The AU Bank Paytm AU Credit Card is a entry co-branded credit card from AU Small Finance Bank and Paytm, with a joining fee of ₹0 + GST.
It earns up to 5 pts per ₹100 (≈5.0% value) on Paytm spends in the form of reward points (points).
Cardholders get 1 quarterly domestic airport lounge access.
AU Bank Paytm AU Credit Card
- Joining FeeFree
- Annual FeeFree
- Best Suited ForCo-brand rewards
- Reward TypeReward Points (points)
Rewards Rate
- 5 pts per ₹100 on paytm travel gold
- 2 pts per ₹100 on paytm upi
- Base 1.00% on other spends
Welcome Benefits
- Not applicable
Rewards and Benefits
Rewards Rate
5 pts per ₹100 on paytm travel gold
2 pts per ₹100 on paytm upi
Base 1.00% on other spends.
Reward Redemption
Paytm Rewards: Redeem at ₹1 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
1 visit each quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.49%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
Product Details
- Co-branded entry card by AU Small Finance Bank and Paytm.
- Lifetime free — no joining or annual fee.
- Available on the RuPay network.
- Complimentary airport lounge access: domestic (1/quarterly).
Pros & Cons
Pros
- Lifetime-free — no joining or annual fee.
- Complimentary domestic airport lounge access (1/quarterly).
- Accelerated earn worth ≈5.0% on paytm travel gold.
Cons
- No rewards on fuel spends.
Accelerated rewards
- 5 pts per ₹100 on paytm travel gold5% rewards on Paytm Travel & Paytm Gold purchases (and Paytm app spends).
- 2 pts per ₹100 on paytm upiUp to 2% rewards on Paytm Scan & Pay / UPI transactions; 1% base on other spends.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Domestic
1 visit(s) / quarterly. Via rupay.
Complimentary lounge access on bookings made through Paytm Travel.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000.
Sources
- : www.au.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 720+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.