Ultra-Low-Cost Entry Credit Card with Milestone Waivers & Retail Points
Credit beginners, micro-spenders, first-time credit cardholders, and budget-conscious shoppers
₹100
One-time upfront₹100
Waived on ₹75,000 annual spend1 Reward Point per ₹100 spent (0.25% return; 1 RP = ₹0.25)
On eligible spends3.50% + GST
Cross-currency spendsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The AU Prathama Credit Card is AU Small Finance Bank's baseline starter card crafted specifically for individuals establishing or repairing their credit history. Offering an ultra-low barrier to entry with a nominal ₹100 joining and renewal fee—which is 100% waived upon spending ₹75,000 annually—it delivers genuine public-utility value without the risk of heavy recurring charges. Cardholders earn reward points on general retail transactions and benefit from a 1% fuel surcharge waiver across domestic bunks. Its main limitations reflect its entry-level status: there is no airport lounge access, base reward yield is modest (~0.25% to 0.50%), and international forex markup is standard at 3.50%. Who should consider it: Young professionals, college graduates, and self-employed individuals with thin credit profiles looking for a formal bank credit card with negligible holding costs. Who should avoid it: Urban spenders seeking accelerated e-commerce cashback, movie buy-one-get-one deals, or luxury travel privileges.
2 Reward Points/₹100 on Contactless Transactions and 1 Reward Point/₹100 on all Other Spends
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Contactless Spends & High Spends (>₹5k) | 2 Reward Points per ₹100 on contactless Tap & Pay and incremental spends above ₹5,000/month (0.5% return) | 1,000 Reward Points/mo | Standard terms apply |
| General Spends | 1 Reward Point per ₹100 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Contactless Spends & High Spends (>₹5k) | ₹12,000 | 2 Reward Points per ₹100 on contactless Tap & Pay and incremental spends above ₹5,000/month (0.5% return) | — | ₹1,000/monthly | Calculating... | Under cap |
| General Spends | ₹18,000 | 1 Reward Point per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹100
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Key Terms & Conditions for AU Prathama Credit Card: • Eligibility: Indian residents aged 21–60 with verifiable basic income or existing bank relationship. • Joining & Annual Fee: Nominal ₹100 + GST joining fee; ₹100 + GST annual renewal fee (Waived on annual retail spend of ₹75,000+). • Reward Accrual: Earn reward points on retail shopping, grocery purchases, and POS transactions. • Fuel Surcharge Relief: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all domestic petrol pumps. • Add-On Facility: Up to 2 complimentary add-on cards for immediate family members above 18 years of age. • Finance Charges: 2.99% per month (35.88% annualized) on unpaid revolving balances. • Foreign Currency Markup: Standard 3.50% + GST on international transactions.
Evaluate whether this card's perks and waiver threshold justify its ₹100 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding AU Prathama Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official AU Small Finance Bank portal with paperless verification.
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