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Credit Cards · India

AU Bank Prathama Credit Card

Updated 3 Jul 2026Source-linked

The AU Bank Prathama Credit Card is a entry credit card from AU Small Finance Bank, with a joining fee of ₹99 + GST.

It earns up to 2 pts per ₹100 (≈0.4% value) on contactless spends in the form of reward points (points).

AU Small Finance Bank logo
AU Bank Prathama Credit Card
Visa logo
  • Joining Fee₹99
  • Annual Fee₹99
  • Best Suited ForEveryday spends
  • Reward TypeReward Points (points)
Rewards Rate
  • 2 pts per ₹100 on contactless
  • Base 0.44% on other spends
Welcome Benefits
  • Not applicable
Data verified 3 Jul 2026 — see our methodology
AU Small Finance Bank logoAUVisa logoplatinumentry
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Rewards and Benefits

Rewards Rate
2 pts per ₹100 on contactless
Base 0.44% on other spends.
Reward Redemption
AU Rewardz: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
  • ₹5,000 / monthly: 2 Reward Points per ₹100 on incremental spends after crossing ₹5,000 in a cycle
  • ₹0 / monthly: 500 bonus Reward Points on setting up each recurring payment / successful recurring transaction
Domestic Lounge Access
N/A
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 · 0.4% = ₹66/mo
  • Groceries₹8,000 · 0.4% = ₹35/mo
  • Dining & food delivery₹8,000 · 0.4% = ₹35/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.4% = ₹44/mo
  • Utilities & bills₹5,000 · 0.4% = ₹22/mo
Est.net rewards for this spend, realistic
₹2,429/yr

₹2,429 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹50,000 in the preceding year
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, capped at ₹100 per monthly.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)

Product Details

  • entry card issued by AU Small Finance Bank.
  • Joining / annual fee of ₹99 + GST, waived on annual spends of ₹50,000.
  • Available on the Visa network.

Pros & Cons

Pros
  • Annual fee waivable on ₹50,000 spend.
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 2 pts per ₹100 on contactless
    Up to 2 Reward Points per ₹100 on contactless transactions and general spends.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Milestone benefits

  • ₹5,000 / monthly: 2 Reward Points per ₹100 on incremental spends after crossing ₹5,000 in a cycle (≈ ₹25 value)
  • ₹0 / monthly: 500 bonus Reward Points on setting up each recurring payment / successful recurring transaction (≈ ₹125 value)

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹100 per monthly.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–65
Credit score
700+
Income (salaried)
₹2,50,000 p.a.
Income (self-employed)
₹2,50,000 p.a.
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