Paytm AU Credit Card
- Updated On: 27 July, 2026
Paytm has become a part of everyday life for millions of Indians. Whether it’s paying at a local shop, splitting bills with friends, recharging your mobile, or booking flight tickets, the app has made digital payments quick and hassle-free. Now, Paytm has partnered with AU Small Finance Bank to launch the Paytm AU Credit Card, giving users another way to make their everyday spending more rewarding.
The biggest highlight of this card is that it’s lifetime free, so you don’t have to worry about joining or annual fees. On top of that, it offers rewards on Paytm UPI transactions, Paytm app spends, online and offline purchases, and even comes with travel benefits like complimentary airport lounge access. If you frequently use Paytm for your daily payments, this card could be a great addition to your wallet.
Paytm AU Credit Card
( 4.4 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
5 Reward Points Per ₹100 on Paytm Travel and Paytm Gold Spends. 1 Reward Point per ₹100 Spent Online and Offline
Welcome Benefits
N/A
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
5 Reward Points Per ₹100 on Paytm Travel and Paytm Gold Spends. 1 Reward Point per ₹100 Spent Online and Offline
Reward Redemption
1 Reward Point = ₹1 (When Redeemed for Paytm Gold) and 1 Reward Point = ₹0.5 (When Redeemed at AU Rewardz)
Travel
N/A
Domestic Lounge Access
12 Complimentary Domestic Airport Lounge Visits on Booking Return Flight Tickets Worth ₹5,000 or More Via Paytm Travel on the Paytm App
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
₹99 + GST
Foreign Currency Markup
3.49%
Interest Rates
3.75% Per Month (45% Per Annum)
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver for All Fuel Transactions in India Between ₹400 and ₹4,000.
Cash Advance Charges
2.5%
Product Details
- Lifetime free credit card with no joining or annual fee.
- Earn reward points on Paytm UPI transactions, Paytm app spends, and online and offline purchases.
- Get up to 12 complimentary domestic airport lounge visits on eligible Paytm Travel bookings.
- Enjoy a 1% fuel surcharge waiver on eligible fuel transactions across India.
- Redeem reward points for Paytm Gold or through the AU Rewardz portal.
Pros/Cons
Pros
- It’s a lifetime-free credit card with no joining or annual fee, making it a great choice for everyday use.
Cons
- It has limited lifestyle benefits, as the card does not offer movie, dining, insurance, or international lounge access.
Reward Points with Paytm AU Credit Card
- 5 Reward Points per ₹100 on Paytm Travel and Paytm Gold spends.
- 1 Reward Point per ₹100 spent on online and offline spends.
- 2 Reward Points per ₹100 on Paytm UPI transactions between ₹100 and ₹2,000.
- 1 Reward Point per ₹100 on Paytm UPI transactions above ₹2,000.
- 1 Reward Point per ₹400 on UPI transactions made through other UPI apps.
Cardholders can earn a maximum of 3,000 reward points across all eligible spending categories in a single statement cycle.
Exclusions
The following categories are exempt from reward earnings with the AU Paytm Credit Card.
- Wallet Reloads
- Rental & Real Estate Payments
- Education Payments
- Government Services
- Fuel Transactions
- Utility Bill Payments
- Transportation
- Insurance Payments
Reward Redemption
Users can redeem their earned Reward Points either on the Paytm app for Paytm Gold or through the AU Rewardz portal. The conversion rate is given below:
| Paytm Gold | 1 Reward Point = ₹1 |
| AU Rewardz portal | 1 Reward Point = ₹0.50 |
Complimentary Airport Lounge Access
For frequent travelers, complimentary airport lounge access is one of the benefits they look forward to. The Paytm AU Credit Card offers complimentary domestic airport lounge access. Cardholders can enjoy up to 12 complimentary domestic airport lounge visits by booking return flight tickets worth at least ₹5,000 through Paytm Travel on the Paytm app. You can redeem up to 4 lounge visits per booking.
Fuel Surcharge Waiver
The Paytm AU Credit Card offers a 1% fuel surcharge waiver at fuel stations across India. The waiver is applicable on fuel transactions between ₹400 and ₹4,000, with a maximum benefit of ₹100 per month.
Who Should Get the Paytm AU Credit Card
- People who use Paytm for most of their daily payments.
- Those who frequently make UPI payments and want to earn reward points.
- Users who often book tickets on Paytm Travel or buy Paytm Gold.
- Anyone looking for a lifetime free credit card with no joining or annual fee.
- First-time credit card users who want a simple card with rewards on everyday spending.
- People who want to earn reward points on both online and offline purchases.
Eligibility Criteria
- The applicant must be an Indian resident.
- Salaried individuals should be 21 to 60 years old.
- Self-employed individuals should be 25 to 65 years old.
- The add-on cardholder must be 18 years or above.
Bottom Line
The Paytm AU Credit Card is a good option for people who frequently use Paytm for their everyday payments. Since it is a lifetime free credit card, you don’t have to worry about paying any joining or annual fee. It offers good rewards on Paytm UPI transactions, Paytm Travel, Paytm Gold, and regular online and offline spends, making it a useful card for daily use.
The complimentary domestic airport lounge access and fuel surcharge waiver are added benefits. While it may not have premium lifestyle perks, it does a good job as an everyday rewards credit card. If you’re looking for a lifetime free card that rewards you for your daily Paytm usage, the Paytm AU Credit Card is a strong option to consider.
FAQs:
Is the Paytm AU Credit Card lifetime free?
Yes, the Paytm AU Credit Card is a lifetime free credit card. It does not charge any joining or annual fee.
How can I earn reward points with the Paytm AU Credit Card?
You can earn reward points on Paytm UPI transactions, Paytm Travel bookings, Paytm Gold purchases, and regular online and offline purchases.
How can I redeem the reward points?
Reward points can be redeemed on the Paytm app for Paytm Gold or through the AU Rewardz portal. The redemption value is ₹1 per point for Paytm Gold and ₹0.50 per point for other redemption options.
Does the Paytm AU Credit Card offer airport lounge access?
Yes, the card offers up to 12 complimentary domestic airport lounge visits on eligible return flight bookings made through Paytm Travel on the Paytm app.
Does the card offer a fuel surcharge waiver?
Yes, you get a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000, with a maximum benefit of ₹100 per month.