Is the Paytm AU Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Travel card
- No annual fee
- 1% on most spends; 5% only at partner merchants
- 12 lounge visits a year
- Pays in reward points
- travel only at Paytm Travel and Paytm Gold: 5% back, up to ₹3,000 a month
- anyone who wants no annual fee, ever
- flyers: 12 airport lounge visits a year
- most of your spending is fuel, rent, insurance or education: those earn nothing on this card
- you spend a lot on UPI payments: the card's terms do not state a rate there, so we count nothing
- you rarely spend on Paytm Travel and Paytm Gold: the 5% rate applies only there, everything else earns 1%
- you often pay in foreign currency: 3.49% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: 1 RP/₹100 online & offline; Paytm UPI earns 2 RP/₹100 only on ₹100 to ₹2,000 txns (1 RP/₹100 above); other UPI apps 1 RP/₹400; min txn ₹100; 3,000-pt/cycle cap shared across all categories; ₹1/pt only as Paytm Gold, ₹0.50 elsewhere
Also earns nothing on: Utility MCCs outside the Paytm app, 11 transportation MCCs.
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | Not stated | - | the card's terms give UPI a rate of its own we cannot read as a number | - |
| Online shopping | 1% | No cap | The card's normal rate | - |
| Dining and food delivery | 1% | No cap | The card's normal rate | - |
| Groceries | 1% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 1% | No cap | Anywhere else in the category | - |
| Travel: flights, hotels, trains, only at listed merchants | 5% | ₹3,000, shared with other bonus rates | Only at: Paytm Travel and Paytm Gold (via the Paytm app)Terms: 5 RP per ₹100 on Paytm Travel and Paytm Gold purchases; shares the 3,000-point statement-cycle cap; ₹1/pt only as Paytm Gold, ₹0.50 elsewhere | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 1% | No cap | The card's normal rate | - |
| Rent | Earns nothing | - | earns nothing on this card | - |
| Insurance premiums | Earns nothing | - | earns nothing on this card | - |
| School and college fees | Earns nothing | - | earns nothing on this card | - |
| Wallet top-ups | Earns nothing | - | earns nothing on this card | - |
| Taxes and government payments | Earns nothing | - | earns nothing on this card | - |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate | - |
| Everything else | 1% | No cap | The card's normal rate | - |
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
