All cards / AU Small Finance Bank
AU Prathama Credit Card
AU's entry point for first-time credit card users — a very low, easily-waived fee card with a simple flat reward rate, aimed squarely at new-to-credit applicants.
Annual fee
₹100
Joining fee
₹100
Reward type
points
Base reward rate
0.25%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.25% base rate
Benefits by category
- 🌍 Forex / international spend
3.49% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹75,000
- Rewards redemption fee: ₹99 + GST per redemption request
- Foreign currency markup: 3.49%
- Interest rate: 45% p.a.
- Fuel surcharge waiver: 1% fuel surcharge refund on transactions between ₹400 and ₹5,000, maximum ₹100 per statement month
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction
Benefits
- Bonus points for setting up standing instructions for bill payments
- Designed for new-to-credit customers building their first credit history
Pros
- + Very low ₹100+GST annual fee, waived on modest ₹75,000/year spend
- + Designed for new-to-credit applicants
- + Low income eligibility bar
Cons
- − No accelerated reward categories
- − No lounge access or premium benefits
- − Low base reward rate