Prathama Credit Card
AU's ₹100 starter card: 1 point per ₹100, 2 per ₹100 on contactless taps and on spend above ₹5,000 in a statement cycle (up to 1,000 points), and 500 bonus points for each new standing instruction; points are valued at ₹0.25. 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.
Fees and charges
| Joining fee | ₹100 plus GST Product page |
|---|---|
| Annual fee | ₹100 plus GST Product page |
| Annual fee waiver | On ₹75,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3.49% of the transaction, plus GST MITC |
| The joining fee is charged on card activation and is not waived; the annual fee from the second year is waived on ₹75,000 of retail spend in the previous card anniversary year. | |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points, ₹0.25 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| All eligible spends | 1 point per ₹100 Product page | no cap on record |
Spend above ₹5,000 in a statement cycle earns 2 points per ₹100 (up to 1,000 points a cycle), and contactless taps earn 2 points per ₹100; CardWise counts only the 1-point base rate, so it understates heavier users. Utility and telecom spends earn at most 100 points a transaction. Cash, EMI, BBPS and quasi-cash transactions earn nothing.
No rewards on
- Rent Product page
- Education and government payments Product page
- Fuel Product page
- Transportation merchant codes, which include railways (MCC 4112) Product page
Benefits
- Lounges: none on record
- 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.
- 2 points per ₹100 on spend above ₹5,000 in a statement cycle (up to 1,000 points a cycle) Product page
- 2 points per ₹100 on contactless (tap and pay) payments Product page
- 500 bonus points for each new standing instruction or recurring payment set up (once per merchant) 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
- airport lounge access
Where AU Small Finance Bank’s documents differ, and what is used
- Fuel surcharge waiver cap: the product page gives ₹100 a statement cycle in two places and ₹250 in another; AU's key fact statement of 30 Sep 2026 gives ₹100 a statement month for Prathama, which CardWise uses.
- Point value: the Prathama page gives no rupee value; CardWise uses AU's general FAQ figure, which AU writes as '0.25 paise' but which can only mean ₹0.25 (25 paise).
The quotes behind the figures
27 figures, each copied from an official AU Small Finance Bank document.
Show every quote and source
“The joining fee for the AU Prathama Credit Card is ₹100 + GST.”
“Annual Card Membership fee : ₹100 + applicable taxes”
“18% applicable on all fees, interest & charges.”
“- For 2nd year onwards fee waiver : ₹75,000 retail spends done in previous card anniversary year”
“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%”
“Value of 1 Reward Point is 0.25 paise for all categories excluding E-vouchers where the value for 1 Reward Point is 0.20 paise.”
“Earn 1 Reward Point per ₹100 on all other spends”
“Cash, Rent, Education & Govt, EMI, Fuel, BBPS , Transportation and Quasi Cash transactions are not eligible for Reward Points”
“Transportation (4011, 4111, 4112, 4121, 4131, 4411, 4582, 4784, 4789, 5561, 7523)”
“No, there is no joining fee waiver on the AU Prathama Credit Card.”
“23.5.2 AU Prathama Credit Cardholders are eligible to earn 2 Reward Points per Rs. 100 spent after crossing cumulative spends criteria of Rs. 5000 in a statement cycle. Cardholder can earn a maximum of 1000 Reward Points per statement cycle.”
“Reward Points are not earned on Fuel, EMI transactions/conversions, Cash withdrawals/cash-like transactions, Rent payments, Transportation, Education fees, and Government payments (and similar excluded categories as per card rules).”
“No, there is no welcome benefit offered on the AU Prathama Credit Card.”
“One-time bonus per merchant on the first successful Standing Instruction/Recurring Payment setup”
“Yes. You get a 1% fuel surcharge waiver, up to ₹100 per statement cycle on fuel transactions between ₹ 400 and ₹ 5,000”
“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).”
“A nominal fees of INR 99 + GST will be levied on each successful redemption.”
“(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.”
“2 Reward Points per ₹100 spent on crossing ₹5,000 in the statement cycle (only on incremental spends beyond ₹5,000)”
“Earn up to 2 Reward Points per ₹100 on Contactless/Tap & Pay transactions, perfect, for those that enjoy quick digital payments”
“500 Bonus Reward Points on every successful setup of Standing Instruction/Recurring Transaction.”
“Salaried: 21 years to 60 years”
“Self Employed: 25 years to 65 years”
“- Resident Indian”
“Both salaried and self-employed individuals”
“Prathama Credit Card Make your first move & each spend work harder for you 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