Download the
Paisabazaar app Today!
Paisabazaar app Today!
Get instant access to loans, credit cards, and financial tools — all in one place
Win Assured Cashback
Scan to download on
Know Your Score
-
Personal Loan
-
Business Loan
-
Home Loan
-
Other Loans
Overview
By Amount
By Type
By Need
Overview
By Schemes
By Need
By Profession
Overview
By Amount
By Schemes
By Profession
Loan Types
Overview
By Category
Bonds
Fixed Deposit
Mutual Funds
Investment Calculator
Loan EMI Calculator
Loan Eligibility Calculator
By Category
AU Small Finance Bank
Paytm AU Credit Card
Travel
Rewards
1st Year Fee: ₹ 0
Travel Benefits
Up to 5% value-back on Paytm Travel bookings
UPI Benefits
Up to 2% value-back on Paytm UPI spends
Lounge Access
12 free domestic lounge visits every year
Airport Lounge Access
with every credit card
Find Best Credit Card Offers
It hardly takes 2 minutes
+91
0 /10 Digits
The entered number doesn't seem to be correct
By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms of Use & Privacy Policy
About Paytm AU Credit Card
The Paytm AU Credit Card, offered in partnership between Paytm and AU Small Finance Bank, is a lifetime-free card that rewards everyday UPI, Paytm Gold and travel spends made through the Paytm app. Cardholders can get up to 5% back on their Paytm Travel bookings and 2% on Paytm UPI spends, along with up to 1% value-back on utility bill payments – a category that is generally excluded from card reward programs. Reward points get a 1:1 redemption value when redeemed for Paytm Gold. Additionally, the card offers domestic airport lounge access on booking return flight tickets with Paytm Travel, making it a good option for Paytm loyalists who travel a few times in a year. Read on to know about the features and benefits of this card, followed by a detailed review.
Note: This card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit AU Small Finance Bank’s website.
Rewards Program
Reward Earning1
- 5 reward points per Rs. 100 spent on Paytm Travel and Paytm Gold
- 1 reward point per Rs. 100 spent on utility bills paid via the Paytm App
- 2 reward points per Rs. 100 spent on Paytm UPI transactions worth Rs. 100 to Rs. 2,000
- 1 reward point per Rs. 100 on Paytm UPI transactions below Rs. 2,000
- 1 reward point per Rs. 100 spent on all eligible online and offline spends
- 1 reward point for every Rs. 400 spent via any other UPI app
Reward Redemption
- 1 reward point = Rs. 1 when redeemed against Paytm Gold
- 1 reward point = Rs. 0.5 when redeemed via AU Rewardz
Lounge Access & Fuel Benefits
Lounge Access
- 12 complimentary domestic airport lounge visits in a year for booking flight tickets through the Paytm App
- Lounges can be accessed using Lounge QR, which is generated post round trip booking
- Maximum 4 complimentary lounge visits can be availed per booking
- The minimum round trip booking value is Rs. 5,000 for generating 1 Lounge QR Code
Fuel Surcharge Waiver
- 1% fuel surcharge waiver, up to Rs. 100 per month, on fuel transactions between Rs. 400 and Rs. 4,000
Fees and Charges
| Particulars | Amount |
|---|---|
| Joining/Annual Fee | Nil |
| Finance Charges | 3.75% p.m. (45% p.a.) |
| Cash Withdrawal Fee | 2.5% of amount withdrawn or Rs. 500, whichever is higher |
| Overlimit Fee | 2.5% of the overlimit amount (min. Rs. 500) |
| Late Payment Charges | 15% of Total Amount Due (Min. Rs. 10, Max. Rs. 1,300) |
Things to Know Before you apply
Get this card if:
You make most of your UPI spends via Paytm App
You prefer making travel bookings through the Paytm App
You do not have a card that rewards utility bill payments
You need lounge access without any monthly or quarterly capping
Paisabazaar Review
What do we like about this card?
Paytm AU Credit Card can be a good choice for consumers who make most of their UPI transactions through the Paytm App, as they can earn up to 2% back in the form of reward points. Travel bookings through Paytm Travel and Paytm Gold purchases earn 5% value-back, making the card appealing to those who regularly spend in these categories. Another standout feature is its airport lounge access programme, which offers up to 4 free lounge visits with each return flight booking, provided the booking value exceeds Rs. 5,000. Unlike most cards that limit free lounge visits and attach high spending conditions with the benefit, this benefit is linked to eligible travel bookings. This makes it a good option for frequent travellers who wish to avail lounge access without having to spend too much. Overall, this lifetime-free card is worth considering for consumers who rely on Paytm for UPI payments, travel bookings and gold investments.
Pros
- Accelerated rewards on travel bookings made via Paytm Travel
- Good value-back on UPI transactions made via Paytm App
- Utility bill payments are not excluded and earn rewards when made via Paytm App
- Up to 12 free domestic lounge visits in a year
- 1:1 reward redemption value against Paytm Gold
Cons
- Lounge visits are tied to the condition of booking return tickets via Paytm Travel
- Low reward rate on transactions beyond Paytm App, and even lower value on making UPI transactions through other apps
- Lower reward redemption value when redeeming through the AU Rewardz Platform
Frequently Asked Questions
Everything you need to know about this credit card
Yes, the card does not carry any joining or annual fee.
Paytm AU Credit Card offers up to 5% value-back on Paytm Travel bookings and up to 2% value-back on Paytm UPI payments as reward points. It also offers up to 12 complimentary domestic lounge visits every year.
Yes, you will get rewards on UPI spends made through other apps but at a much lower rate of 1 reward point for every Rs. 400 spent.
To get complimentary lounge visits via the Paytm AU Credit Card, you must make a return flight booking of Rs. 5,000 or more. For each booking, you can get up to 4 free lounge visits.
You can redeem the reward points earned on the Paytm AU Credit Card through the AU Rewardz portal where 1 reward point = Rs. 0.5. However, if you redeem them against Paytm Gold purchase, you get 1:1 redemption value.
Yes, if you prefer Paytm for all your UPI spends, this credit card can be a good choice.
Footnotes
- Up to 3,000 reward points can be earned in a statement cycle across all eligible categories
Click here to know More Terms and Conditions
Rupanshi Thapa
Rupanshi is a personal finance writer, specializing in credit cards and consumer finance. Her work is committed to helping readers navigate the complex world of credit with confidence– whether they are selecting the right credit card, optimizings rewards, managing debt, or improving their financial well-being. Through her detailed insights and actionable advice, she guides readers towards smarter financial choices.
Trending Articles on Credit Cards
Explore other Card Categories
Explore Cards from Leading Issuers
HSBC Bank
HDFC Bank
SBI Cards
American Express
ICICI Bank
Kotak Mahindra Bank
Axis Bank
Standard Chartered Bank
YES BANK
RBL Bank
IndusInd Bank
IDFC FIRST Bank
AU Small Finance Bank
Federal Bank
BOBCARD
Punjab National Bank
SBM Bank
Canara Bank
Equitas Small Finance Bank
IDBI Bank
Indian Bank
DBS Bank
Bank of India
DCB Bank Limited
Suryoday Small Finance Bank
Unity Small Finance Bank
CSB Bank
Utkarsh Small Finance Bank
Bank of Maharashtra
Central Bank of India
J&K Bank
UCO Bank
Union Bank of India
Nainital Bank
Tamilnad Mercantile Bank
Punjab & Sind bank
Indian Overseas Bank
Karur Vysya Bank
Karnataka Bank
South Indian Bank
City Union Bank
Bandhan Bank
Menu
Airport Lounge Access
with every credit card
Get a
with Every Card
with Every Card
Choose a Card Matching Your Lifestyle
Please enter a valid full name
+91
The entered number doesn't seem to be correct
By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms of Use & Privacy Policy