Card Details
AU Prathama Credit Card
Monzy Score
4.5/ 10
Average for high fuel spenders.
Balanced but unremarkable across categories.
Card Issuer
AU Small Finance Bank
Joining Fee
₹100
Annual Fee
₹100
Reward Type
Reward Points
Card Access
Standard
Earn Points
2 RP/₹100
Contactless (Tap & Pay) transactions
1 RP/₹100
All other eligible transactions
2 RP/₹100
Incremental spends after ₹5,000 in a statement cycle
Benefits
2 RP per ₹100 on contactless spends
- 1 RP per ₹100 on other eligible spends
1% fuel surcharge waiver
₹100 annual fee
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, education, emi, government, cash, bbps, transportation, wallet
Estimated Returns
incremental spends above 5000/month & contactless
2X beyond 5000 and contactless.
₹150
base spends (first 5000/month)
Base 1 RP/100.
₹0
utility & telecom
Capped 100 RP/txn (=25/txn).
₹0
Total Annual Return
₹1,800
0.5% Effective ROIWhat Users Are Saying
Community Feed
May 2026
“AU Bank Credit Cards New Launches: Ananta vs Lakshya”
by r/IndianCreditCards, May 2026
“New Credit Card by AU Small Finance Bank”
by r/CreditCardsIndia, Apr 2026
“AU Bank just dropped 4 new Credit Cards. Here's the”
by r/Raw_n_real_finance, May 2026
“AU Bank Revision in fee and charges.”
by r/CreditCardsIndia, Mar 2026
“AU Bank is genuinely trash tier or probably even worse”
by r/IndianCreditCards, Apr 2026
Things to Keep in Mind
Reward Points are not earned on fuel, EMI conversions, cash withdrawals/cash-like transactions, rent payments, transportation, education fees, and government payments
Annual fee waiver requires ₹75,000 retail spends in the previous card anniversary year
No joining fee waiver
