Paytm AU Credit Card
AU Small Finance Bank's Paytm AU Credit Card is a no-fee co-brand aimed squarely at people who already transact through the Paytm app. Scan & Pay purchases made via UPI earn 2 reward points per ₹100 as long as the transaction sits between ₹100 and ₹2,000 (spends above that slip to 1 point per ₹100), while bookings through Paytm Travel and purchases of Paytm Gold return a stronger 5 points per ₹100. Everything else — spends outside the Paytm ecosystem — settles at a flat 1 point per ₹100. Redeem those points as Paytm Gold and each is worth a full rupee; cash them out any other way and the value halves to ₹0.50. Cardholders also get complimentary lounge access tied to flights booked through Paytm Travel. Because it rides on the RuPay network, it plugs straight into UPI, turning routine scan-and-pay purchases into a rewards stream — and it does all this without ever charging an annual fee.
Key features
A quick scan of what actually sets this card apart.
5% on Travel
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
1% on Other
1 RP/₹100 online & offline; Paytm UPI earns 2 RP/₹100 only on ₹100–₹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
️ Airport Lounge Access
3 complimentary visits per quarter at domestic and international airport lounges
Lifetime Free
No annual fee — ever. Keep this card long-term without any recurring cost.
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹100/month
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | reward points | 5% | ₹3,000 |
| Other | reward points | 1% | ₹3,000 |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | Lifetime free |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1%, cap ₹100 |
Perks & benefits
Non-reward perks add up to roughly ₹3,500 a year in estimated value.
️ lounge access ~ ₹3,000 /yr
Book a round-trip flight worth ₹5,000 or more through Paytm Travel in the Paytm app and you unlock up to 12 free domestic lounge visits annually; each qualifying booking generates a Lounge QR valid for up to 4 visits
fuel waiver ~ ₹500 /yr
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
Should you get it?
Best for: Heavy Paytm-app users, UPI-first spenders wanting a zero-fee rewards card
This is an entry-level pick, well suited to first-time cardholders or anyone with modest spending. It's most rewarding for travel spending, where the return climbs to 5%, and regular flyers get extra mileage from the bundled airport lounge access.
✓ Pros
- No annual cost, with rewards concentrated on Paytm Scan & Pay and Paytm Travel
- 5% back on Paytm Travel and Paytm Gold purchases
- Links to RuPay/UPI, with lounge access available through Paytm Travel bookings
✕ Cons
- The strongest rates only apply to activity inside the Paytm app itself
- Spending outside the Paytm ecosystem earns a fairly modest base rate
- Points are worth a full ₹1 only when redeemed as Paytm Gold — everywhere else they're worth just ₹0.50
- Lounge access is tied specifically to Paytm Travel bookings, not general spend
Eligibility & documents
Age
21 –65 years
Min. income
₹15,000 /mo
Employment
Salaried · Self-employed
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 routes available for turning points into real value.
🎁 Paytm Gold via the Paytm app: 1 point = ₹1 (best value)
🎁 Other redemption categories: 1 point = ₹0.50
🎁 Online rewards catalogue (vouchers, merchandise)
What your AU Reward Points are worth
What each point actually nets you, depending on how you cash it in — the gap between routes is often bigger than people expect.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern The stronger rates only apply within the Paytm ecosystem; step outside it and the card falls back to a modest base rate.
The bottom line
This card earns its keep as a free companion for anyone embedded in the Paytm ecosystem — the Scan & Pay and Paytm Travel rewards are really the whole point of holding it, and since it never charges a fee, there's no cost to keeping it in your wallet alongside a primary card. Spend outside Paytm, though, and the returns are unremarkable, so how much value you get out of it comes down to how much of your spending actually flows through the app.
Sources & verification
Fees, reward rates, and benefits for the Paytm AU Credit Card are taken from AU Small Finance Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 15 Aug 2026 . Reviewed by the SarvCred Editorial Team . Always confirm current details on the issuer's site before applying. How we research →
Independence. SarvCred 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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