Paytm AU Credit Card

AU Small Finance Bank · Open to apply

A lifetime-free card tied to the Paytm app: 2 points per ₹100 on Paytm UPI payments of ₹100 to ₹2,000, 5 on Paytm Travel and Gold, 1 on other spends, up to 3,000 points a statement. A point is worth ₹1 on Paytm Gold and ₹0.50 elsewhere.

Annual fee
Lifetime free
Joining fee
None
Base rate
Online and offline spends, 1 point per ₹100 (transactions of ₹100 or more): 1 AU reward points per ₹100 (about 1% at cash value)
Lounges
None on record
Forex markup
3.49%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Travel bought in the Paytm app, 5 points per ₹100: 5 AU reward points per ₹100 (about 5% at cash value)
  • UPI in the Paytm app, 2 points per ₹100 on payments of ₹100 to ₹2,000: 2 AU reward points per ₹100 (about 2% at cash value)

Earns nothing on

  • No points on wallet loads, rent, education, government, fuel, utilities, transportation and insurance
  • No points on railways (transportation)

Where the sources disagree

  • Utility bills in the Paytm app: The page gives 1 reward point per ₹100 on "Paytm Utility Bill payments via Paytm app"; the reward terms' exclusion list names utilities (MCC 4812, 4814, 4899, 4900) with no in-app exception. We enter the page's line for the utilities category (electricity, gas, water) in the app and keep telecom excluded.
  • Fuel surcharge waiver: The page's headline text says up to ₹250 a statement and another line says up to ₹100 a month on transactions between ₹400 and ₹4,000; the KFS and MITC say up to ₹100 a statement month for transactions between ₹400 and ₹5,000. We use the KFS and MITC.

Terms the calculator does not value

  • Paytm Gold earns 5 points per ₹100 in the Paytm app but has no category here, and a point is worth ₹1 when redeemed for Paytm Gold; neither is valued.
  • The Paytm UPI rate drops to 1 point per ₹100 above ₹2,000 a transaction; the calculator applies the 2-point rate at a typical payment size.
  • The 12 domestic lounge accesses need return flights booked through Paytm Travel (₹5,000 or more a round trip, at most 4 a booking) and the page gives no period, so they are not entered as a lounge benefit.
  • The page says "Monthly capping applies as per program terms"; the terms give 3,000 points a statement cycle across all categories.
  • Points are worth ₹1 on Paytm Gold and ₹0.50 elsewhere; the calculator values both options, and the ₹1 rate depends on holding the redemption in Paytm Gold.

Sources

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