Card Details
AU Prathama Credit Card
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 ROIThings 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
