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Credit Cards · India

AU Bank Paytm AU Credit Card

Updated 5 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 (≈1.1% value) on Paytm spends in the form of reward points (points).

Cardholders get 1 quarterly domestic airport lounge access.

AU Small Finance Bank logo
AU Bank Paytm AU Credit Card
RuPay logo
  • 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 0.22% on other spends
Welcome Benefits
  • Not applicable
Data verified 5 Jul 2026 — see our methodology
AU Small Finance Bank logoAURuPay logoplatinumentryLifetime freeCo-brand · Paytm ↗
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Rewards and Benefits

Rewards Rate
5 pts per ₹100 on paytm travel gold
2 pts per ₹100 on paytm upi
Base 0.22% on other spends.
Reward Redemption
Paytm Rewards: Redeem at ₹0.25 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

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.2% = ₹33/mo
  • Groceries₹8,000 · 0.2% = ₹18/mo
  • Dining & food delivery₹8,000 · 0.2% = ₹18/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.2% = ₹22/mo

    Travel & hotels — earns base; accelerated rate needs booking via paytm-app

  • Utilities & bills₹5,000 · 0.2% = ₹11/mo
Est.net rewards for this spend, realistic
₹1,214/yr

₹1,214 rewards − ₹0 annual fee. Estimate for the spend you entered.

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).
Cons
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 5 pts per ₹100 on paytm travel gold
    5% rewards on Paytm Travel & Paytm Gold purchases (and Paytm app spends).
  • 2 pts per ₹100 on paytm upi
    Up 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

Last verified 5 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.
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