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
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Estimated Returns
all spends
1 pts / ₹100
₹125
Total Annual Return
₹1,500
0.25% 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
Low-fee rewards card with extra points on contactless spends and a fuel surcharge waiver.