AU Prathama Credit Card

AU Small Finance Bank · Open to apply

A ₹100 starter card. It pays 1 point per ₹100 and 2 points per ₹100 on spend beyond ₹5,000 in a statement (and on contactless payments), up to 1,000 points a statement, with 500 bonus points for each new recurring payment set up. The fee is waived on ₹75,000 of yearly spend.

Annual fee
₹100 + GST a year
Joining fee
₹100 + GST
Fee waiver
Annual fee waived on ₹75,000 spend per card year
Base rate
Eligible spends, 1 point per ₹100, 2 points per ₹100 beyond ₹5,000 a statement: 1 AU reward points per ₹100 up to ₹5,000; 2 AU reward points per ₹100 above ₹5,000 (about 0.2% at cash value)
Lounges
None on record
Forex markup
3.49%
Data
From bank documents, checked 6 Nov 2026

Earns nothing on

  • No points on cash, rent, education, government, EMI, fuel and tolls
  • No points on railways (transportation)

Where the sources disagree

  • Fuel surcharge waiver cap: The page's headline and FAQ say up to ₹100 a statement cycle and its detail text ₹250; the KFS and MITC say ₹100 for Prathama. We use ₹100.

Terms the calculator does not value

  • 2 points per ₹100 on contactless (Tap & Pay) payments from the first rupee. The calculator cannot tell a tap payment from other card spend, so spend is valued on the statement-spend tiers only.
  • 500 bonus points for each first-time recurring payment (standing instruction) set up with a merchant, once per merchant for life.
  • No document states a redemption value for Prathama; ₹0.20 is the 2023 voucher rate for all AU cards.
  • Local commute (MCC 4111) and BBPS earn nothing but have no category here and are valued at the base rate.

Sources

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