Lifetime Free co-branded RuPay credit card offering 2% cashback on Paytm ecosystem spends.
Free
One-time upfrontFree
Waiver on milestone1% cashback on all merchant UPI and card transactions
On eligible spendsNo Lounge Access
Complimentary visitsLast verified 17 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
Officially verified as an ACTIVE product in AU Bank's portfolio (corrected from previously mislabeled discontinued status). Offers solid utility for Paytm power users with 2% cashback on bill payments and recharges. Who should get it: Android/iOS users who route their monthly utility and mobile reloads through Paytm.
5 Reward Points Per ₹100 on Paytm Travel and Paytm Gold Spends. 1 Reward Point per ₹100 Spent Online and Offline
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Paytm App Ecosystem Spends | 2% cashback on recharges, utility bill payments, movies, and travel booked on Paytm (capped at ₹300/cycle) | 300 INR (₹) / statement cycle | Standard terms apply |
| General Spends | Legacy rules preserved for grandfathered cardholders | No Cap | Standard terms apply |
Rule-by-rule calculation respecting category rates, monthly caps, fee waivers & milestones.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Raw Reward | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Paytm App Ecosystem Spends | ₹12,000 | 2% | ₹240 | ₹300/statement cycle | ₹240 / mo | Under cap |
| General Spends | ₹18,000 | 0.5% | ₹90 | None | ₹90 / mo | Under cap |
| Total Monthly Cashback | ₹30,000 | - | ₹330 | - | ₹330 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹3,960
1.1% blended return₹0
Standard renewal+₹3,960 / 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
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Paytm AU Credit Card application, fees, reward redemption, and eligibility
The joining fee for Paytm AU Credit Card is Free (one-time), and the annual renewal fee is Free from the second year onwards. GST of 18% is applicable on all fee charges.
Fee waiver is subject to promotional milestone spends published by AU Small Finance Bank from time to time.
Paytm AU Credit Card offers 1% cashback on all merchant UPI and card transactions. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.
No, Paytm AU Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.
Applicants must be Indian residents aged 21 to 65 years with a regular verifiable income (typically ₹25,000 per month) and a recommended CIBIL credit score of 720+ for paperless digital approval.
You can apply directly through the official AU Small Finance Bank portal by clicking the Apply button on this page. Complete the paperless digital application, submit your Aadhaar and PAN details, and complete video KYC for quick dispatch.
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Direct online application on the official AU Small Finance Bank portal with paperless verification.