AU Prathama Credit Card
AU Prathama — the name literally translates to "first" — is positioned as an entry card for people applying for their very first credit card, and it's priced accordingly at just ₹100 a year. The base earn rate is 1 reward point per ₹100 spent, which doubles to 2 points per ₹100 for contactless Tap & Pay transactions and for whatever portion of your spend in a cycle crosses ₹5,000. New cardholders also get a one-time 500-point bonus per merchant the first time they set up a recurring payment, plus a 1% fuel surcharge waiver. Spend ₹75,000 in a year and the ₹100 annual fee gets waived entirely.
Key features
The essentials of what this card offers.
0.25% on Other
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
Annual Fee Waiver
Fee of ₹100 + 18% GST (₹118 all-in)/yr fully waived when you spend ₹75,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹100/month
Milestone Bonus
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
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 0.25% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹118 |
| Joining fee (incl. 18% GST) | ₹118 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1%, cap ₹100 |
Perks & benefits
Perks beyond the core rewards, worth roughly ₹500 a year altogether.
milestone bonus
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
fuel waiver ~ ₹500 /yr
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹100 per cycle
Should you get it?
Best for: First-time credit users, People automating recurring bill payments
Entry tier — a sensible pick for first-time cardholders or those with modest monthly spend.
Delivers the most value if a large share of your spend falls under "Other" (0.25% back).
✓ Pros
- ₹100 fee makes this an easy, low-commitment first card
- Contactless Tap & Pay spends earn double points
- One-time SI-setup bonus plus a 1% fuel surcharge waiver
✕ Cons
- Earn rates sit at the entry level — this is a credit builder, not a rewards card
- No lounge access or other premium perks
- Waiving the fee requires ₹75,000 in annual spend
Eligibility & documents
Age
21 –65 years
Min. income
₹12,000 /mo
Employment
Salaried · Self-employed · Student
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
The available options for redeeming what you've earned.
🎁 Online rewards catalogue (vouchers, merchandise)
🎁 Statement credit / cashback adjustment
What your AU Reward Points are worth
What each point translates to depending on the redemption route — the gap between options is value most cardholders never claim.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern The earn rates are basic by design and, in practice, limited further by how much a typical new cardholder spends — treat this as a stepping stone rather than a card you'll keep as your main one long-term.
The bottom line
This is a legitimate starter card. The ₹100 fee is close enough to nothing, the one-time recurring-payment bonus is a clever nudge toward establishing a repayment habit, and everyday contactless spends earn double points. Think of it as a tool for building your credit score rather than a rewards engine — get it, build history, then move up once your spending grows.
Sources & verification
Fee, reward-rate, and benefit details for the AU Prathama Credit Card come from AU Small Finance Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last verified 7 Aug 2026. Reviewed by the SarvCred Editorial Team. Always confirm the latest details with the issuer before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for AU Small Finance Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Frequently asked questions
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