AU Bank Prathama Credit Card
AU Small Finance Bank · Visa · Entry card
A minimal-cost conventional card for first-card users who want basic rewards without a large fee commitment.
First-time cardholders wanting a very low-cost Visa with simple points.
Terms checked 24 Sept 2026
- Annual fee
- ₹100 + GST
- Joining fee
- ₹100 + GST
- Base reward rate
- 0.3%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.3% |
| Groceries & essentials | 0.3% |
| Dining & delivery | 0.3% |
| Travel & hotels | 0.3% |
| Bills & utilities | 0.3% |
| Beauty & wellness | 0.3% |
| Entertainment & movies | 0.3% |
| Healthcare & pharmacy | 0.3% |
| Subscriptions & streaming | 0.3% |
| Offline store shopping | 0.3% contactless Tap & Pay only |
| International spending | 0.3% |
| Gold & jewellery | 0.3% |
| Insurance premiums | 0.3% |
| Other miscellaneous | 0.3% |
| Fuel & commute | 0% |
| Education & family | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹75,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 6 items
Contactless points
Usage-based valueTwo points per ₹100 only on eligible contactless Tap & Pay transactions.
Conditions: Two points per ₹100 only on eligible contactless Tap & Pay transactions.
Statement-cycle incremental points
Usage-based valueOne point per ₹100 on the first ₹5,000 of cumulative eligible statement spend and two points per ₹100 on incremental spend above it.
500 bonus points for each eligible standing-instruction setup, once per merchant over the card lifetime
Shown without a cash valueOne point per ₹100 until ₹5,000 eligible statement spend and two points thereafter
Shown without a cash valueTwo points per ₹100 on eligible contactless Tap & Pay purchases
Shown without a cash value500 bonus points for each eligible standing-instruction setup
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹100₹100 annual fee before applicable tax.
Joining fee
Cost ₹100₹100 one-time joining fee before applicable tax.
Fee waiver · 2 items
Annual fee waiver
Usage-based · up to ₹100Annual fee may be waived after ₹75,000 of eligible annual spending.
Conditions: Reach ₹75,000 eligible annual spending
₹100 annual fee waived after ₹75,000 anniversary-year spend
Shown without a cash value
Insurance and protection · 3 items
Card Liability Cover
Shown without a cash valueCredit Shield
Shown without a cash valueDevice Protection Cover
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.49% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. AU does not publish a universal numeric income threshold for Prathama.
Other benefits · 1 item
1% fuel-surcharge waiver on ₹400-₹5,000 fuel transactions, capped at ₹100 per statement cycle
Shown without a cash value
Other categories (11)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Welcome benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Spend milestones
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ One point per ₹100 until ₹5,000 eligible statement spend and two points thereafter
- ✓ Two points per ₹100 on eligible contactless Tap & Pay purchases
- ✓ 500 bonus points for each eligible standing-instruction setup
- ✓ ₹100 annual fee waived after ₹75,000 anniversary-year spend
What to watch
The higher ordinary rate applies only to incremental spend above ₹5,000 in each statement cycle. Standing-instruction bonuses are once per merchant and are not auto-valued without setup activity.
Recorded exclusions
Fuel Commute · Rent · Education Family · Government payments · Transportation · Cash withdrawal · Cash like · Emi
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 24 Sept 2026