AU Prathama Credit Card
The AU Prathama Credit Card is an entry-level credit card that rewards everyday spending with Reward Points, milestone benefits, and fuel surcharge waiver. It comes with a joining and annual fee of Rs.100 plus applicable taxes, with the annual fee waived on eligible annual spends.
Features and Benefits of AU Prathama Credit Card
The AU Prathama Credit Card offers Reward Points, milestone benefits, fuel savings, and convenient payment features to enhance your everyday spending experience.
Reward Points
Earn Reward Points on your everyday eligible transactions.
- 2 Reward Points for every Rs.100 spent on eligible contactless (Tap & Pay) transactions.
- 1 Reward Point for every Rs.100 spent on all other eligible purchases.
Milestone Benefits
Earn additional rewards by achieving spending milestones.
- 2 Reward Points per Rs.100 on incremental spends after crossing Rs.5,000 in a statement cycle.
- Continue earning 2 Reward Points per Rs.100 on eligible contactless transactions.
Utility Payment Benefits
Get rewarded for setting up recurring payments.
- 500 Bonus Reward Points for the first successful setup of a Standing Instruction (SI) or recurring payment with a merchant.
- The bonus is awarded once per merchant and is not applicable for repeat setups with the same merchant.
EMI Facility
Convert eligible purchases into affordable monthly instalments.
- Convert eligible transactions of Rs.500 or above into EMIs, provided the minimum cumulative transaction value is Rs.2,000.
Fuel Surcharge Waiver
Save on fuel expenses across India.
- 1% Fuel Surcharge Waiver on fuel transactions between Rs.400 and Rs.5,000.
- Maximum waiver of Rs.100 per statement cycle.
Reward Redemption
Redeem your accumulated Reward Points for a variety of rewards.
- E-Vouchers
- Merchandise
- Flight Bookings
- Hotel Bookings
- Other Rewards available on AU Rewardz
Contactless Payments
Make quick and secure payments using Tap & Pay.
- Tap & Pay transactions of up to Rs.5,000 without entering your PIN.
- Earn 2 Reward Points for every Rs.100 spent on eligible contactless transactions.
Add-on Card
Share your card benefits with your family members.
- Lifetime-Free Add-on Card for eligible family members.
Eligibility Criteria for AU Prathama Credit Card
Applicants must meet the eligibility requirements prescribed by AU Small Finance Bank to apply for the AU Prathama Credit Card.
Criteria | Eligibility |
Primary Cardholder (Salaried) | 21 to 60 years of age |
Primary Cardholder (Self-employed) | 25 to 65 years of age |
Add-on Cardholder | Must be 18 years or above |
Nationality | Resident Indian |
Note: AU Small Finance Bank reserves the right to approve or reject any credit card application based on its internal eligibility and credit assessment criteria.
Fees and Charges
The fees and charges related to AU Prathama Credit Card are listed in the table below:
Particulars | Details |
Joining fee | Nil |
Annual fee | Rs.100 plus applicable taxes |
Annual fee waiver | Waived off from second year on spending Rs.75,000 or more in previous card anniversary year. |
Cash Advance Charges | 2.5% or Rs.500, whichever is more |
Interest rate | 3.75% per month (45% per annum) |
Late Payment Charges | 15% of Total Amount Due |
Overlimit Charges | 2.5% |
Outstation Cheque Processing Charges | Rs.25 |
Payment Return Charges | 2% |
Duplicated Physical Statement Request Charges | Rs.100 |
Card Transfer Charges | Rs.199 plus GST |
Reward Point Redemption | Rs.99 plus GST |
FAQs on AU Prathama Credit Card
- Does the AU Prathama Credit Card offer any welcome or joining fee waiver benefits?
No. The AU Prathama Credit Card does not offer a welcome benefit or a joining fee waiver.
- Are there any milestone benefits on the AU Prathama Credit Card?
Yes. Once you spend Rs.5,000 in a statement cycle, you earn 2 Reward Points for every Rs.100 spent on incremental eligible transactions during the same billing cycle.
- Is there any benefit on Standing Instruction (SI) transactions?
Yes, you will receive 500 Bonus Reward Points for the first successful Standing Instruction (SI) or recurring payment setup with each merchant. The bonus is awarded only once per merchant and is applicable only on successful, settled transactions.
- Does the AU Prathama Credit Card offer a fuel surcharge waiver?
Yes, the card provides a 1% fuel surcharge waiver on fuel transactions between Rs.400 and Rs.5,000, with a maximum waiver of Rs.100 per statement cycle.
- What Reward Points do I earn on other eligible spends?
You earn 1 Reward Point for every Rs.100 spent on eligible transactions other than contactless spends. Reward Points are not applicable on categories such as fuel, EMI transactions, cash withdrawals, rent payments, education fees, government payments, transportation, and other excluded transactions.
- What additional benefits does the AU Prathama Credit Card offer?
The card includes value-added benefits such as Card Liability Cover, Credit Shield, and a Device Protection Plan, subject to the applicable terms and conditions.
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