AU Bank Prathama Credit Card Review
The AU Bank Prathama is AU’s entry-level card, with a token ₹100 annual fee waived on ₹75,000 spend. It suits first-time users who want a cheap card from AU.
Rewards are basic but it adds a bonus for setting up recurring payments and doubles points on contactless spends.
- Very low ₹100 fee, waivable
- 2 points per ₹100 on contactless
- 2 points per ₹100 on spends above ₹5,000 in a cycle
- 500 bonus points per recurring payment set up
- EMI on transactions of ₹500+
- Low base reward rate
- No lounge access
- No welcome benefit
- Fuel waiver capped at ₹100
- About 3.49% forex markup
Fees and charges
| Item | Detail |
|---|---|
| Annual fee | ₹100 + GST, waived from year two on ₹75,000 spend |
| Fuel surcharge waiver | 1% on ₹400–₹5,000, up to ₹100 a cycle |
| Forex markup | About 3.49% |
Rewards: how the card earns
| Spend | Points per ₹100 |
|---|---|
| Base | 1 |
| Contactless | 2 |
| Spend above ₹5,000 in a cycle | 2 |
| Recurring payment set up | 500 bonus points each |
Other benefits
| Benefit | Detail |
|---|---|
| Lounge access | None |
| EMI | Transactions of ₹500+ (minimum ₹2,000 total) can be converted |
| Fuel | 1% surcharge waiver, up to ₹100 |
Eligibility
Issuer
AU Small Finance Bank
Network
RuPay
Best for
First-time card users
Who this card is for
- Good fit: first-time users who want a cheap starter card.
- Skip if: you can get a lifetime-free cashback card instead.
Alternatives worth comparing
Final verdict
A low-cost starter card with a few clever bonuses. Move up to a better card once you have a credit history.
Frequently asked questions
What is the AU Prathama fee?
₹100 + GST a year, waived from year two on ₹75,000 spend.
How many points does it earn?
1 per ₹100, 2 per ₹100 on contactless and on spends above ₹5,000 in a cycle.
What is the recurring payment bonus?
500 bonus points for each recurring payment you set up.
Does it have lounge access?
No.
Which network is it on?
RuPay.
Last verified: October 2026, against AU Small Finance Bank’s product page and notices. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.