AU Prathama Credit Card
- Updated On: 18 May, 2026
The AU Prathama Credit Card is a good option for people who want a basic credit card with low charges and simple rewards on everyday spending. Offered by AU Small Finance Bank, this card is suitable for daily use, especially for those who are getting their first credit card or do not want to pay a high annual fee.
The card comes with an annual fee of just ₹100 + GST and offers Reward Points on regular purchases. Cardholders earn 1 Reward Point for every ₹100 spent, whereas users with high spending can earn 2X Reward Points on monthly spends above ₹5,000 and on contactless transactions. In addition, users can earn 500 bonus Reward Points by setting up a standing instruction or recurring payment with the card.
The AU Prathama Credit Card is a simple and affordable option for earning rewards on everyday expenses.
AU Prathama Credit Card
( 4.3 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
2 Reward Points/₹100 on Contactless Transactions and 1 Reward Point/₹100 on all Other Spends
Welcome Benefits
N/A
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
2 Reward Points/₹100 on Contactless Transactions and 1 Reward Point/₹100 on all Other Spends
Reward Redemption
Redeem Reward Points E-vouchers, Merchandise, and Flight/Hotel Bookings. 1 RP= ₹0.25
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
Annual Charges Waived on Spends of ₹75,000
Rewards Redemption Fee
₹99 + GST
Foreign Currency Markup
3.49%
Interest Rates
3.75% per month (45% per annum)
Fuel Surcharge Waiver
1% Surcharge on Fuel Spends Between ₹400 – ₹5,000 (Maximum ₹100 per statement cycle)
Cash Advance Charges
2.5%
Product Details
- Low annual fee of ₹100 + GST, making it an affordable option for everyday use.
- Earn 1 reward point for every ₹100 spent on regular purchases.
- Get accelerated rewards with 2 Reward Points for every ₹100 spent on contactless or Tap & Pay transactions.
- Earn 2X Reward Points on spends above ₹5,000 in a statement cycle.
- Receive 500 bonus Reward Points on successfully setting up a standing instruction or recurring payment with the card.
- Get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across India, capped at ₹100 per statement cycle.
Pros/Cons
Pros
- The card comes with an affordable fee of ₹100 + GST, which makes it a decent choice for new credit card users.
Cons
- The reward structure of the AU Prathama Credit Card is not very attractive, as the card offers a low reward rate compared to many other entry-level and lifetime free credit cards.
Earn Accelerated Reward Points
With the AU Prathama, users can earn up to 2 Reward Points for every ₹100 spent on contactless or Tap & Pay transactions. On all other purchases, cardholders earn 1 Reward Point for every ₹100 spent.
Bonus Reward Points
Cardholders can earn 500 bonus Reward Points when they successfully set up a standing instruction or recurring payment using the card. This bonus is given only once for each merchant on the first successful setup, and repeated setups with the same merchant are not eligible for additional bonus points.
Milestone Benefits
Cardholders can earn 2 Reward Points for every ₹100 spent after crossing ₹5,000 in a statement cycle. The accelerated reward rate is applicable only on spends above ₹5,000. In addition, users will continue to earn 2 Reward Points for every ₹100 spent on contactless transactions.
Fuel Surcharge Waiver
With the AU Prathma Credit card, the cardholders will receive a 1% waiver on fuel surcharge, which will be up to ₹100, for transactions between ₹400 and ₹5,000 at fuel stations nationwide. This way, users can save their money on fuel.
Bottom Line
Even though the AU Prathama Credit Card is a decent entry-level credit card for users who want a simple card with a low annual fee and basic benefits on everyday spending, the reward structure of the AU Prathama Credit Card is not very attractive compared to other cards in the same category. Cardholders earn only 1 reward point for every ₹100 spent on regular purchases, which is quite low. Even many lifetime free credit cards offer a better reward rate and more value on everyday spending. The accelerated rewards are also limited to certain conditions, like contactless payments or spending above ₹5,000, which may not benefit every user regularly.
Still, if you are new to using a credit card and want a basic option to start building your credit profile without paying a high fee, the AU Prathama Credit Card can be a reasonable choice for beginners.
FAQs:
Who should apply for the AU Prathama Credit Card?
This card is best suited for first-time credit card users and individuals looking for a low-fee card with simple rewards on daily spending.
What is the annual fee for the AU Prathama Credit Card?
The card comes with a joining fee of ₹100 + GST and an annual fee of ₹100 + GST, making it an affordable option for everyday use.
What are the standing instruction bonus Reward Points?
You receive 500 bonus Reward Points when you set up a recurring payment or standing instruction for the first time with a merchant. The benefit is applicable only once per merchant.
Is there any fuel surcharge waiver benefit?
Yes, cardholders get a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 across India. The maximum waiver is capped at ₹100 per statement cycle.
Is there any reward redemption fee?
Yes, a redemption fee of ₹99 + GST is charged whenever Reward Points are redeemed.
1 comment
Prince
Nice explanation of the AU Prathama Credit Card features. Looks like a good choice for first-time credit card users who want to build their credit score.