Card Details
Paytm AU Credit Card
Monzy Score
7.5/ 10
Very good for online shoppers.
Lifetime free, so no fee to earn back; strong ~5% back in its core category.
Card Issuer
AU Small Finance Bank
Joining Fee
Zero
Annual Fee
Zero
Reward Type
Reward Points
Card Access
Standard
Earn Points
5%
Rewards on Paytm Travel & Paytm Gold spends
2%
Rewards on Paytm UPI Scan & Pay transactions of ₹2,000+
1%
Rewards on other card spends (incl. Paytm UPI below ₹2,000)
5%
Rewards on Paytm Gold purchases
Benefits
5% rewards on Paytm Travel & Gold
- Accelerated Paytm ecosystem rewards
- 5% rewards on Paytm Travel & Paytm Gold spends (AU Bank, CardClub)
- 1 Reward Point equals ₹1 when redeemed for Paytm Gold (AU Bank)
- Reward point value drops to ₹0.5 outside Paytm Gold redemptions
- Paytm app reward bucket capped at 1,000 points per month
Up to 12 lounge visits via Paytm Travel bookings
- Conditional lounge access
- Get up to 12 complimentary domestic lounge visits each year via Paytm Travel bookings
- Eligible bookings must be round-trip flights worth at least ₹5,000 and generate a Lounge QR
- Only four lounge entries can be redeemed per qualifying booking
Lifetime free co-branded card
1% fuel surcharge waiver
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, wallet
Estimated Returns
Paytm Travel & Paytm Gold
5 RP/100 (1 RP=1 in gold). Cap not confirmed.
₹1,500
Paytm Scan & Pay (UPI)
up to 2%' UPI - implied cap not confirmed.
₹0
Paytm utility bill payments
1 RP/100.
₹0
Total Annual Return
₹18,000
5% Effective ROIWhat Users Are Saying
Community Feed
Jul 2026
“Paytm AU credit card is Live”
by r/IndianCreditCards, Jul 2026
“Paytm AU credit card is oive”
by r/CreditCardsIndia, Jul 2026
“Paytm Au credit card …specially For upi…”
by r/IndianCreditCards, Jul 2026
“Paytm AU credit card is Live”
by r/SmartPaisaSpender, Jul 2026
“Paytm AU credit card is live”
by r/creditcardreviewers, Jul 2026
Things to Keep in Mind
Rewards capped at 1,000 points per bucket per month.
Reward point value falls to ₹0.5 when redeemed outside Paytm Gold.
