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 Bank Prathama Credit Card
- 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
AUplatinumentryRewards 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
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.
Accelerated rewards
- 2 pts per ₹100 on contactlessUp 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
- : www.au.bank.in · retrieved 3 Jul 2026
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.