All cards / AU Small Finance Bank
Paytm AU Credit Card
AU Small Finance Bank's lifetime-free RuPay co-brand with Paytm, built for people who already pay by Paytm UPI. Points are worth ₹1 each only when redeemed as Paytm Gold (₹0.50 otherwise), so the headline 2% on Paytm Scan & Pay and 5% on Paytm Travel/Gold depend on staying inside the Paytm app.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in travel, online shopping. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
- Reward redemption: Redeem in the Paytm app for Paytm Gold at 1 RP = ₹1, or via AU's rewards portal at 1 RP = ₹0.50
- Travel: 5 RP per ₹100 on Paytm Travel bookings; complimentary domestic lounge access unlocked by Paytm Travel round-trip flight bookings
- Domestic lounge access: Up to 12 domestic airport lounge visits a year: 4 visits per eligible round-trip flight booking of ₹5,000+ made on Paytm Travel
- International lounge access: None
Benefits by category
- ✈️ Travel
5% reward rate (capped ₹3,000/monthly) · Up to 12 domestic lounge visits a year via eligible Paytm Travel round-trip flight bookings (₹5,000+)
- ⛽ Fuel
1% fuel surcharge waiver on ₹400–₹5,000, max ₹100 per month
- 🌍 Forex / international spend
3.49% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Rewards redemption fee: ₹99 + GST per redemption (AU credit card schedule of charges)
- Foreign currency markup: 3.49%
- Interest rate: 3.75% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on ₹400–₹5,000 transactions, max ₹100 per statement month
- Cash advance charges: 2.5% of the amount or ₹500, whichever is higher; cash limit 20% of card limit
Benefits
- 2 RP per ₹100 on Paytm UPI Scan & Pay transactions of ₹100–₹2,000 (1 RP per ₹100 above ₹2,000); 1 RP per ₹400 on UPI through other apps
- 5 RP per ₹100 on online spends in the Paytm app (Paytm Travel, Paytm Gold and other partner MIDs); 1 RP per ₹100 on other online and offline spends
- Total earning capped at 3,000 RP per statement cycle; no points on wallet loads, rent, education, government, fuel, utilities, transport or insurance MCCs
- Up to 12 domestic lounge visits a year via eligible Paytm Travel round-trip flight bookings (₹5,000+)
- 1% fuel surcharge waiver on ₹400–₹5,000, max ₹100 per month
Pros
- + No joining or annual fee
- + Up to 2% back on Paytm UPI Scan & Pay, which most cards don't reward well
- + 5 RP per ₹100 on Paytm Travel and Paytm Gold
- + Domestic lounge visits unlocked by booking flights on Paytm Travel
Cons
- − Points are worth only ₹0.50 unless redeemed as Paytm Gold, and each redemption costs ₹99 + GST
- − All earning capped at 3,000 RP per cycle; UPI on other apps earns just 1 RP per ₹400
- − 3.49% forex markup and 3.75% monthly interest