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AU Small Finance Bank
AU Prathama Credit Card
Rewards
1st Year Fee: ₹100* Plus Applicable Taxes
Reward Points
Up to 2 reward points per Rs. 100
Entry-Level
Joining & Annual Fee of Rs. 100 only
Fuel Waiver
Save up to Rs. 1,200 p.a. on fuel
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About AU Prathama Credit Card
AU Prathama Credit Card is an entry-level card designed for spenders looking to earn rewards on their everyday purchases. The card stands out primarily due to its very low annual fee of Rs. 100, along with benefits on day-to-day spends. The card comes with a base reward rate of 1 point per Rs. 100 spent. However, consumers can earn 2X reward points on incremental spends above Rs. 5,000 in a month, along with contactless payments. Cardholders can redeem the accumulated reward points at a value of Rs. 0.25 per point.
Apart from the rewards program, the card also offers other basic perks, such as a fuel surcharge waiver and 500 bonus reward points on the setup of a standing instruction or recurring transaction. Here is all you need to know about the AU Prathama Credit Card.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit AU Small Finance Bank’s website.
Key Features and Benefits
Rewards Program:
- 2 reward points per Rs. 100 spent on contactless transactions
- 1 reward point per Rs. 100 spent on all other spends1,2
- 500 bonus points on every standing instruction setup
- 2X reward points on incremental monthly spends beyond Rs. 5,000 in a statement cycle
- Redeem reward points through AU Rewardz at a value of 1 Reward Point = Rs. 0.25
Fuel Benefits:
- 1% fuel surcharge waiver on fuel transactions, up to Rs. 100 per statement cycle
Other Benefits:
- Contactless payment facility for transactions of up to Rs. 5,000
- Convert transactions of Rs. 500 or above with a minimum total value of Rs. 2,000 into easy EMI
AU Prathama Credit Card: Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs. 100 + GST |
| Annual Fee | Rs. 100 + GST |
| Finance Charges | 3.75% p.m. | 45% p.a. |
| Late Payment Charges | 15% of total amount due (Minimum Rs. 10 and Maximum Rs. 100) |
Things to Know Before you apply
Consider this card if:
You frequently use contactless payments
You have recurring bill payments and would like to set standing instructions
You can spend over Rs. 75,000 annually to get the annual fee waiver
You want to earn reward points on everyday transactions
Paisabazaar Review
What do we like about this card?
AU Prathama is an entry-level card offering accelerated rewards on monthly spends above Rs. 5,000. Cardholders also get 2X rewards on contactless transactions. The card also offers bonus rewards on every standing instruction set-up, which is a unique benefit. However, unlike most entry-level cards that target category-specific spends like groceries, dining, etc., AU Prathama does not offer accelerated rewards in such everyday spending categories. Consumers who wish to get a low fee entry-level card with monthly spends above Rs. 5,000 would find value in this card.
Pros
- 2X reward points on all incremental and contactless spends
- 500 bonus points per standing instruction setup
- Annual fee waiver on spends of Rs. 75,000 per annum
Cons
- Low reward rate on spends below Rs. 5,000 p.m.
- No category-specific accelerated rewards structure except contactless spends
- No additional perks or welcome benefits
Frequently Asked Questions
Everything you need to know about this credit card
No. AU Prathama Credit Card does not offer any welcome benefit upon joining, and there is no cashback on any spend category.
Yes, this card is an entry-level credit card and is well-suited for first-time credit card users.
If your total spends cross Rs. 75,000 in a year, the annual fee of Rs. 100 + GST will be waived off automatically.
Each reward point on the card is worth Rs.0.25 which means 100 reward points = Rs. 25.
The card comes offers card liability cover, credit shield, and device protection plan.
Footnotes
- No reward points on cash, rent, education, EMI, fuel, BBPS, Govt., transportation and quasi cash transactions.
- Maximum 100 reward points per transaction on utility and telecom spends.
Click here to know More Terms and Conditions
Ruchi Bageja
Ruchi believes content is one way by which one can gain a lot of knowledge. At Paisabazaar, she writes content about personal finance which helps people gain knowledge about this sector. She loves to impart as much as she can to the world. Also, she is a passionate reader and believes that books can make a lot of difference to one's life.
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