Share

Paytm AU Credit Card vs SBI Card MILES PRIME Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

Paytm AU Credit Card versus SBI Card MILES PRIME compared
FeaturePaytm AU Credit CardPaytm AU Credit CardAU Small Finance Bank3 recent changes →
SBI Card MILES PRIMESBI Card MILES PRIMEState Bank of India4 recent changes →
Rewards by spend
Rewards1% on most spends; 5% only at partner merchants0.5% base, up to 1% on travel
UPI payments (scan and pay)Not statedEarns nothing
Online shopping1%0.5%
Dining and food delivery1%0.5%
Groceries1%0.5%
Travel: flights, hotels, trains1%; 5% only at Paytm Travel and Paytm Gold1%
FuelsameEarns nothingEarns nothing
Bills and recharges1%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiumssameEarns nothingEarns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentsEarns nothingNot stated
Spend abroad or in a foreign currency1%0.5%
Everything else1%0.5%
Card identity
Card typesameTravelTravel
NetworkRuPayMastercard
Card tierEntryPremium
Fees
Joining feeFree₹2,999 + GST
Annual feeFree₹2,999 + GST
Lifetime freeYesNo
Fee waived at-₹10,00,000
Eligibility
Min agesame21 years21 years
Max age65 years70 years
Employment typesameBOTHBOTH
Rewards
Reward typeReward pointsAir miles
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹100₹250
Lounge access
Domestic lounge visits128
International lounge visits04
Lounge programme-PRIORITY_PASS
Priority PassNoYes
Lounge conditionUp to 12 complimentary domestic airport lounge visits a year, unlocked by booking a round-trip flight worth at least ₹5,000 via Paytm Travel on the Paytm app; each qualifying booking generates a Lounge QR good for up to 4 visits8 domestic airport lounge visits/year (max 2/quarter) plus Priority Pass with 4 international visits/year. 1 extra domestic visit per ₹1 lakh spend, capped at 12/year. Priority Pass free for first 2 years
Forex and international
Forex markup3.49%2.5%
UPI rewards
Works on UPIYesNo
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

Paytm AU Credit Card
Rewards a year
₹2,400
Fee a year
₹0
You keep
₹2,400
SBI Card MILES PRIME
Rewards a year
₹1,500
Fee a year
- ₹3,539
You keep
- ₹2,039

At this spend, Paytm AU Credit Card comes out ₹4,439 a year ahead of SBI Card MILES PRIME. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

Paytm AU Credit Card
  • 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
SBI Card MILES PRIME
  • Frequent flyers
  • People who spend heavily on travel
  • Travellers who want Priority Pass access

Watch-Outs

Paytm AU Credit Card
  • Skip it if most of your spending is fuel, rent, insurance or education: those earn nothing on this card
  • Skip it if you spend a lot on UPI payments: the card's terms do not state a rate there, so we count nothing
  • Skip it if you rarely spend on Paytm Travel and Paytm Gold: the 5% rate applies only there, everything else earns 1%
  • Skip it if you often pay in foreign currency: 3.49% is added to every foreign spend
SBI Card MILES PRIME
  • Fee waiver needs Rs 10 lakh a year, which most people will not reach
  • Base return of about 0.5% is low
  • Credits are worth the most only when redeemed for travel

Card data sourced via CardAdvisor.in (Paytm AU Credit Card, SBI Card MILES PRIME), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, Paytm AU Credit Card or SBI Card MILES PRIME?

Paytm AU Credit Card. Paytm AU Credit Card: no annual fee; SBI Card MILES PRIME: ₹2,999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

SBI Card MILES PRIME has the lowest forex markup. SBI Card MILES PRIME: 2.5%; Paytm AU Credit Card: 3.49%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Paytm AU Credit Card 1%, SBI Card MILES PRIME 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

Paytm AU Credit Card: 12 domestic lounge visits a year; SBI Card MILES PRIME: 8 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

Other Comparisons

We earn a commission if you are approved, and you pay nothing extra. How we make money.

Compare all the credit cards we list

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works