Paytm AU Credit Card
A lifetime-free Paytm co-branded card: 2 points per ₹100 on Paytm UPI payments of ₹100 to ₹2,000, 5 per ₹100 on Paytm Travel and Paytm Gold, and 1 elsewhere, capped at 3,000 points a statement cycle; points are worth ₹0.50 on AU Rewardz or ₹1 as Paytm Gold. Every figure below is copied from AU Small Finance Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Applied for through Paytm (the Apply Now button on AU's page leads to a Paytm link).
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | Nil Product page |
| Annual fee waiver | Not needed |
| GST on fees | 18% |
| Foreign-currency markup | 3.49% of the transaction, plus GST MITC |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points, ₹0.50 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| UPI through the Paytm app on payments of ₹100 to ₹2,000 (1 point per ₹100 above ₹2,000; 1 point per ₹400 through other UPI apps) | 2 points per ₹100 Product page | up to 3,000 points a statement cycle (shared) Terms |
| Online and in-store spends | 1 point per ₹100 Product page | up to 3,000 points a statement cycle (shared) Terms |
All points are capped together at 3,000 a statement cycle, and transactions under ₹100 earn nothing (under ₹400 for UPI outside Paytm).
No rewards on
Benefits
- Lounges: Up to 12 domestic airport lounge visits a year through Paytm Travel — Each lounge pass needs a return flight of ₹5,000 or more booked on Paytm Travel Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹100 a statement month Fee schedule
Also on this card
Quoted from AU Small Finance Bank; not counted in the net value.
- 5 points per ₹100 on Paytm Travel and Paytm Gold purchases Product page
- Points worth ₹1 each when redeemed as Paytm Gold Product page
- 2 points per ₹100 on Paytm UPI scan-and-pay Product page
Eligibility
- Salaried: age 21 to 60 Product page
- Salaried: age 21 to 60 Product page
- Self-employed: age 25 to 65 Product page
- Self-employed: age 25 to 65 Product page
- Resident Indian Product page
- Salaried or self-employed Terms
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by AU Small Finance Bank in the documents read
- the card network in the page text (AU's card image is labelled RuPay)
- a welcome benefit
Where AU Small Finance Bank’s documents differ, and what is used
- Fuel surcharge waiver: one panel on the product page gives up to ₹100 a month on fills of ₹400 to ₹4,000, another up to ₹250 a statement cycle on ₹400 to ₹5,000; AU's key fact statement of 30 Sep 2026 gives ₹400 to ₹5,000 and ₹100 a statement month, which CardWise uses.
The quotes behind the figures
31 figures, each copied from an official AU Small Finance Bank document.
Show every quote and source
“Lifetime free Credit Card with No Joining or Annual Fee.”
“18% applicable on all fees, interest & charges.”
“Credit Card Variant Altura, Altura Plus, LIT, Business Cashback, InstaPay, AU SPONT, SwipeUp-Xcite Series of Cards, AU KOSMO, Vetta, Prathama, Tejas, Laksya, Ananta, CheQ, Paytm AU, AU Zaggle, Zenith AU CA, AU CS Zenith+, NOMO, Traverse (NRI) ixigo AU Currency Markup Charges 3.49%”
“1 Reward Point = ₹0.5 (when redeemed on the AU Rewardz)”
“2 Reward Points per ₹100 spent using Paytm UPI on transaction value between ₹100 - ₹2,000”
“1. Max 3,000 points can be earned across all eligible categories in a statement cycle.”
“1 Reward Point per ₹100 spent on online spends”
“1 Reward Point per ₹100 spent on offline spends”
“Exclusions: Categories Wallet reloads Rental payments/ Real estate Education Govt services Fuel Utilities Transportation Insurance”
“1 Reward Point per ₹100 spent on Paytm Utility Bill payments via Paytm app.”
“Transportation (4011, 4111, 4112, 4121, 4131, 4411, 4582, 4784, 4789, 5561, 7523)”
“1 Reward Point per ₹100 spent using Paytm UPI on transaction value > ₹2,000”
“1 Reward Point per ₹400 spent on UPI transactions via other UPI apps.”
“- Minimum transaction amount: A. 100 per transaction for Online, Offline, Contactless & Paytm UPI transactions.”
“1 Reward Point = INR 0.5 (when redeemed across other categories)”
“Min round trip value for generating 1 Lounge QR is ₹5,000”
“Waiver up to ₹100 per month Applicable on spends between ₹400-₹4,000”
“1% Fuel Surcharge Waiver for fuel transactions done between ₹400 and ₹5,000, across all fuel stations in the country (Maximum ₹250 per statement cycle).”
“Activate your Paytm AU credit card, link it on the Paytm app, and start using Paytm UPI Scan & Pay for maximum rewards.”
“At the moment, RBI has allowed only RuPay Credit Cards to link with UPI applications.”
“A nominal fees of INR 99 + GST will be levied on each successful redemption.”
“12 Complimentary Domestic Airport Lounge Access on booking return flight tickets via Paytm Travel on the Paytm app.”
“(a) 1% fuel surcharge refunded for transactions between ₹ 400 to ₹ 5,000 for below cards:”
“Altura, Altura Plus, Business Cashback, AU SPONT, NOMO,SwipeUp - Xcite Series of Cards, AU KOSMO, Prathama, Tejas, Vetta, Paytm AU, AU Zaggle, Zenith : Maximum of ₹ 100 per statement month.”
“5 Reward Points per ₹100 spent on Paytm Travel & Paytm Gold”
“1 Reward Point = ₹1 (when redeemed as Paytm Gold on the Paytm app)”
“Salaried: 21 years to 60 years”
“Self Employed: 25 years to 65 years”
“- Resident Indian”
“Both salaried and self-employed individuals”
“Paytm AU Credit Card Turn your everyday spends into wealth Apply Now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with AU Small Finance Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is AU Small Finance Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology