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
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Estimated Returns
Paytm Travel & Gold
5% rewards
₹1,500
Paytm Scan & Pay (UPI)
up to 2% rewards
₹0
Paytm utility bills
1 pt / ₹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
Lifetime-free RuPay card built for Paytm UPI users who want richer rewards on Travel and Gold spends.