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AU Small Finance Bank
AU Prathama Credit Card
Visa
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.
Rates and fees last verified 15 July 2026.
Annual fee
₹100
Joining fee
₹100
Reward type
points
Base reward rate
0.25%
Card network
Visa
Card tier
Entry
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–60
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