M16S / AU Small Finance Bank / AU Prathama Credit Card
entry · rewards
AU Prathama Credit Card
The AU Prathama Credit Card costs Rs 100 a year, waived if you spend Rs 75,000 in a year. Its base return is 0.25% (1 RP per Rs 100). The forex markup is 3.49%. It lists no airport lounge access. Read from the issuer's own documents on 31 Oct 2026.
- Annual fee
- Rs 100+ GST
- Fee waived at
- Rs 75,000annual spend
- Base return
- 0.25%
- Forex markup
- 3.49%
- Interest
- 3.75%a month
What changed on this card
- AU Bank changes fuel fair usage charge to 1% on all fuel spend, Jul 2026
From 1 July 2026 there is no charge if each fuel transaction is under Rs 10,000 and monthly fuel spend is under Rs 25,000. Above either limit, AU charges 1% on the entire monthly fuel spend. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% charge on transport spends above limits, Jun 2026
From 14 June 2026 AU charges 1% on the entire monthly transportation spend (MCC 4111, 4112, 4784) when it exceeds 50% of the credit limit or Rs 25,000, whichever is lower. IRCTC, some travel partners and ixigo AU cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 100 |
|---|---|
| Annual fee | Rs 100 |
| Annual spend that waives the fee | Rs 75,000 |
| Fee notes | Rs 100 + GST joining fee on activation, no waiver. Renewal waived on Rs 75,000 retail spend in previous anniversary year. |
Rewards
| Welcome benefit | None |
|---|---|
| Reward currency | Reward Points |
| Base earn | 1 RP per Rs 100 |
| Base return | 0.25% |
| Point valueunverified | 1 RP = Rs 0.25 on AU Rewardz (issuer states this value for NOMO and implies it for Ananta; not printed on this card's page) |
| Accelerated earn | 2 RP per Rs 100 on contactless tap & pay; 2 RP per Rs 100 on spend beyond Rs 5,000 in a statement cycle; 500 bonus RP per new standing instruction / recurring payment setup (once per merchant, lifetime) |
| Caps | Incremental 2 RP tier capped at 1,000 RP per cycle (Card Member Agreement); utility & telecom 100 RP per transaction |
| Spends that earn nothing | Fuel, EMI, cash and quasi-cash, rent, transportation, education, government, BBPS |
| Points expiry | 2 years from accrual (Card Member Agreement cl. 23.8) |
| Reward notes | Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 1 RP per Rs 100 x Rs 0.25. |
Travel and perks
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement cycle |
| Other freebies | Card liability cover, credit shield, device protection; free add-on card |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | 15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9) |
| Cash advance fee | 2.5% of amount withdrawn, min Rs 500 |
| Eligibility | Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published. Aimed at first-time credit card users. |
| Fine-print notes | Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. |
Questions
- What is the annual fee of the AU Prathama Credit Card?
- Rs 100 a year, before GST. It is waived if you spend Rs 75,000 in a year.
- Does the AU Prathama Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the AU Prathama Credit Card?
- 3.49% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the AU Prathama Credit Card?
- Fuel, EMI, cash and quasi-cash, rent, transportation, education, government, BBPS