AU Small Finance Bank

AU Prathama Credit Card

Data last verified: 11 October 2026

RewardsRUPAY

Joining fee₹100 + GST
Annual fee₹100 + GST
Reward rate0.25% on most spends

Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.

Joining fee₹100 + GST
Annual fee₹100 + GST
Fee waiverOn ₹75,000 spend a year
Forex markup3.49%
Interest (APR)3.75% a month, 45% a year
Fuel surcharge waiver1%
Fuel waiver cap₹100 a month

The Prathama is a basic RuPay card for people new to credit. You earn 1 reward point per Rs 100, and up to 2 points on tap to pay spends and on spends after you cross Rs 5,000 in a statement cycle. You also get 500 bonus points each time you set up a standing instruction.

It costs ₹100 a year and the fee is waived once you spend ₹75,000 in the year. With a fee this low, there is little to lose.

It suits first-time users who want a card to build a credit score. The catch is the reward value. Each point is worth about 25 paisa, so you get about 0.25% to 0.5% back.

Best for: First-time card users, People building a credit score, Low-income applicants.

01AU Prathama Credit Card Rewards and Benefits

Rewards rate: 0.25% on most spends
Fee waived on: ₹75,000 spend a year
Reward redemption: Not published
Dining: 0.25% back (the normal rate)
Travel: 0.25% back (the normal rate)
Golf: Not included
Domestic lounge: Not included
International lounge: Not included
Insurance benefits: Not included

02AU Prathama Credit Card Annual Fee and Charges

Joining fee: ₹100 + GST
Annual fee: ₹100 + GST
Spend-based waiver: Annual fee waived on ₹75,000 spend in a year (rent and wallet loads not counted)
Rewards redemption fee: Nil
Forex markup: 3.49%
Interest rate: 3.75% a month (45% a year)
Fuel surcharge waiver: Yes, up to ₹100 a month
Card replacement: Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

₹20,000 on everything else, earning 0.25%₹50
Back each month, ₹600 a year₹50
Annual fee with 18% GST (waived at this spend)₹0
In your pocket each year₹600

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

Good for

Spending ₹6,250 or more a month: the ₹118 fee is waived

Skip it if…

you spend less than ₹6,250 a month (₹75,000 a year, rent and wallet loads not counted): the ₹118 fee is then charged
most of your spending is fuel, rent, education or government payments: those earn nothing on this card
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

04Product Details

Joining and annual fee: ₹100 each
Fee waived on ₹75,000 annual spend
1 reward point per ₹100, about 0.25% back
Up to 2 points per ₹100 on tap to pay spends
2 points per ₹100 after ₹5,000 spend in a cycle
500 bonus points per standing instruction set up

05Pros and Cons

Pros

Very low ₹100 fee
Easy fee waiver
Bonus points for setting up recurring payments

Cons

Low reward value of about 0.25% to 0.5%
No lounge access
3.49% forex markup

06How AU Prathama Credit Card earns Rewards

0.25% on most spends.

Earns nothing onFuelRentEducationGovernmentEMICash withdrawalsBBPSTransportation MCCs (Apr 2026)Quasi-cash

Spend category	Rate	Monthly cap	Where it applies
UPI payments (scan and pay)	0.25%	No cap	The card's normal rate
Online shopping	0.25%	No cap	The card's normal rate
Dining and food delivery	0.25%	No cap	The card's normal rate
Groceries	0.25%	No cap	The card's normal rate
Travel: flights, hotels, trains	0.25%	No cap	The card's normal rate
Fuel	Earns nothing	-	earns nothing on this card
Bills and recharges	0.25%	No cap	The card's normal rate
Rent	Earns nothing	-	earns nothing on this card
Insurance premiums	0.25%	No cap	The card's normal rate
School and college fees	Earns nothing	-	earns nothing on this card
Wallet top-ups	0.25%	No cap	The card's normal rate
Taxes and government payments	Earns nothing	-	earns nothing on this card
Spend abroad or in a foreign currency	0.25%	No cap	The card's normal rate
Everything else	0.25%	No cap	The card's normal rate

Listed underRewards cards

CardAdvisor tagsReward points

Terms on the base rate. 1 reward point per ₹100 base (~0.25%); 2 points per ₹100 on contactless (Tap & Pay) and on the incremental portion of spend above ₹5,000 in a statement cycle

Point value. 1 point is worth about ₹0.25 at the bank's stated value.

07AU Prathama Credit Card Travel Benefits

Spending abroad carries a 3.49% forex markup; rewards on it: 0.25% back (the normal rate). See what it costs on your trip

Also on the card. fuel surcharge waiver, milestone bonuses.

Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹100 per cycle
Milestone bonuses: 500 bonus reward points per merchant on the first successful Standing Instruction (SI) setup, a one-time benefit, once per merchant in the card's lifetime

08AU Prathama Credit Card Eligibility and Documents

Age: 21 to 65 years
Employment: Salaried or self-employed

Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph

09Recent Changes

What AU Small Finance Bank changed on this card recently. The facts on this page already reflect them.

Date	Change	Before	Now
1 Jul 2026	Reduced: Fuel fair-usage terms tightened, trigger halved, levy on the whole aggregateSource: AU Small Finance Bank	1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000	1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000
14 Jun 2026	Reduced: New 1% fair-usage charge on transportation spendsSource: AU Small Finance Bank	No transportation fair-usage charge	1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower
4 May 2026	Changed: AU Prathama launches as AU's cheapest first cardSource: AU Small Finance Bank	-	-

See this card's change history → · All card changes in July 2026 →

10Cards Similar to AU Prathama Credit Card

AU Prathama Credit Card is a rewards card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

Feature	AU Prathama Credit Card	Federal Scapia Credit card	SBI BPCL Credit Card
Joining fee	₹100 + GST	Lifetime free	₹499 + GST
Annual fee	₹100 + GST	Lifetime free	₹499 + GST
Rewards	0.25% on most spends	2% on most spends; 4% only at partner merchants	0.25% base, up to 1.25% on dining; 3.25% only at partner merchants
Domestic lounge	Not included	Unlimited	Not included
Forex markup	3.49%	0%	3.5%
Type	Rewards	Travel	Fuel

Compare with Federal Scapia Credit card Compare with SBI BPCL Credit Card

11Explore More

All AU Small Finance Bank productsEvery card, loan and account from AU Small Finance Bank on SkyloFin Rewards credit cardsEvery rewards card, compared All credit cardsFilter by issuer, category and fee Rewards calculatorWhat this card would earn on your spending Interest calculatorWhat carrying a balance really costs Track this card in SkyloFin - Expense TrackerStatements and due dates from your bank SMS, on your phone

Card facts last verified 11 October 2026.

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

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Common Questions

What is the fee on the AU Prathama card?

₹100 a year plus GST, waived once you spend ₹75,000 in a year.

How much do I earn?

1 point per ₹100, and up to 2 points on tap to pay and after ₹5,000 of spend in a cycle. Each point is worth about 25 paisa.

What is the joining fee for the AU Prathama Credit Card?

The joining fee is ₹100 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.

What is the annual fee for the AU Prathama Credit Card?

The annual fee is ₹100 + GST.

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with AU Small Finance Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

AU Prathama Credit CardJoining fee: ₹100 + GST

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