AU Small Finance Bank
Paytm AU Credit Card
Data last verified: 11 October 2026
- Joining feeFree
- Annual feeFree
- Reward rate1% on most spends; 5% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining feeFree
- Annual feeFree
- Lifetime freeYes
- Forex markup3.49%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹100 a month
01Paytm AU Credit Card Rewards and Benefits
02Paytm AU Credit Card Annual Fee and Charges
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Spend-based waiver
- None
- 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 1%₹200
- Back each month, ₹2,400 a year₹200
- In your pocket each year₹2,400
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
- 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
Skip it if…
- 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
04How Paytm AU Credit Card earns Rewards
1% on most spends; 5% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| 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 |
Terms on the base 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
05Paytm AU Credit Card Lounge Access and Travel
Domestic lounge access is 12 visits a year. Up 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 visits. Spending abroad carries a 3.49% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, airport lounge access.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
06Paytm AU 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
07Recent Changes
What AU Small Finance Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 3 Jul 2026 | Changed: Paytm AU Credit Card launches as a zero-fee UPI-rewards co-brandSource: AU Small Finance Bank | - | - |
| 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 |
See this card's change history → · All card changes in July 2026 →
08Cards Similar to Paytm AU Credit Card
Paytm AU Credit Card is a travel card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Paytm AU Credit Card |  Federal Scapia Credit card |  IDFC FIRST Millennia Credit Card |
|---|---|---|---|
| Joining fee | Lifetime free | Lifetime free | Lifetime free |
| Annual fee | Lifetime free | Lifetime free | Lifetime free |
| Rewards | 1% on most spends; 5% only at partner merchants | 2% on most spends; 4% only at partner merchants | 0.38% base, up to 1.25% on dining |
| Domestic lounge | 12 visits a year | Unlimited | Not included |
| Forex markup | 3.49% | 0% | 0% |
| Type | Travel | Travel | Dining |
09Explore More
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 joining fee for the Paytm AU Credit Card?
The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Paytm AU Credit Card?
The annual fee is Free.
Does the Paytm AU Credit Card give airport lounge access?
Yes. Domestic lounge access is 12 visits a year. Check the bank's page for the current rules, because lounge programmes change.
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.
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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 →
