Does the Paytm AU Credit Card give airport lounge access?

Yes. In India: 12 complimentary domestic lounge visits, unlocked only via return-ticket bookings on Paytm Travel. Outside India: none listed. Conditions: Minimum round-trip booking value Rs 5,000 per lounge QR; max 4 lounge redemptions per booking; QR cannot be cancelled. Period for the 12 visits not stated.

What is the forex markup on the Paytm AU Credit Card?

3.49% of each foreign-currency transaction, before GST.

M16S / AU Small Finance Bank / Paytm AU Credit Card

entry · cobrand, lifetime-free, upi, rewards

Paytm AU Credit Card

AU Small Finance Bank · with PaytmVisa · RuPayLast checked 31 Oct 2026

The Paytm AU Credit Card charges no annual fee and no joining fee. Its base return is 1% (1 RP per Rs 100 on online and offline spends). The forex markup is 3.49%. Read from the issuer's own documents on 31 Oct 2026.

Annual fee: Free
Fee waived at: —
Base return: 1%
Forex markup: 3.49%
Interest: 3.75%a month

Apply on au.bank.inOpens the bank’s own page.

What changed on this card

30 Oct 2026 · takes effect 21 Oct 2026 LaunchPaytm AU SFB card launches with family lounge visits, Oct 2026
AU Small Finance Bank and Paytm launched a lifetime-free RuPay card on 21 October 2026: up to 12 family lounge visits a year on round trips booked on Paytm, and 2% on eligible Paytm UPI.
21 Oct 2026 LaunchAU and Paytm launch the lifetime free Paytm AU SFB RuPay card, Oct 2026
On 21 October 2026 AU announced the Paytm AU SFB Credit Card, a lifetime free RuPay card with up to 2% rewards on eligible Paytm UPI spends, 5% on Paytm Travel and Paytm Gold, and up to 12 family lounge visits a year. 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	Free
Annual fee	Free
Fee notes	Lifetime free, no joining or annual fee.

Rewards

Reward currency	Reward Points
Base earn	1 RP per Rs 100 on online and offline spends
Base return	1%
Point value	1 RP = Rs 1 as Paytm Gold in the Paytm app; Rs 0.50 on the AU rewards portal
Accelerated earn	Paytm UPI Scan & Pay: 2 RP per Rs 100 on Rs 100-2,000 transactions, 1 RP per Rs 100 above Rs 2,000. Paytm Travel and Paytm Gold: 5 RP per Rs 100. Other UPI apps: 1 RP per Rs 400. Paytm utility bill payments: 1 RP per Rs 100.
Capsunverified	Monthly capping applies on Paytm app spends; figures are in the Rewards T&C PDF, not on the page
Points expiry	2 years from accrual (Card Member Agreement cl. 23.8)
Reward notes	base_return_pct = 1 RP per Rs 100 x Rs 1 (Paytm Gold redemption); 0.5% via AU portal.

Travel and perks

Domestic lounge	12 complimentary domestic lounge visits, unlocked only via return-ticket bookings on Paytm Travel
International lounge	None
Lounge conditions	Minimum round-trip booking value Rs 5,000 per lounge QR; max 4 lounge redemptions per booking; QR cannot be cancelled. Period for the 12 visits not stated.
Forex markup	3.49%
Fuel surcharge waiver	1% waiver on fuel txns, cap Rs 100 per statement month (KFS v1.9); page also shows a Rs 250 version
Other freebies	Visa variant: 2 MakeMyTrip domestic seat selections (up to Rs 350), Times Prime annual membership, Alaya Stays stay-3-pay-2

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.
Fine-print notes	Rewards T&C PDF (caps and exclusions) was not read. RuPay variant inferred from the card image file name; UPI rewards need a RuPay card. 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 Paytm AU Credit Card?: No annual fee.
Does the Paytm AU Credit Card give airport lounge access?: Yes. In India: 12 complimentary domestic lounge visits, unlocked only via return-ticket bookings on Paytm Travel. Outside India: none listed. Conditions: Minimum round-trip booking value Rs 5,000 per lounge QR; max 4 lounge redemptions per booking; QR cannot be cancelled. Period for the 12 visits not stated.
What is the forex markup on the Paytm AU Credit Card?: 3.49% of each foreign-currency transaction, before GST.