AU Small Finance Bank
AU Prathama Credit Card
Best for entry-level users, contactless payments
₹199/yr annual fee · 1x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
₹199/yr
Reward rate
1x
Min. income
₹1,50,000
Forex markup
Not published
Lounge access
None
Eligibility
₹1.50 lakh/yr · CIBIL 650+
Reward cap
No published cap
Welcome benefit
None beyond the reward rate
Who is this for
- First-time cardholder
- Entry-level user
What we like
- Low Rs 199 annual fee
- Contactless payments
- Standing instruction bonus
Watch out for
- Modest 1x base reward rate
- Rs 30,000 spend waiver threshold
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹0 | Not waivable |
| Annual fee | ₹199 | Waived on Rs 30,000 annual spend |
| Late payment | ₹500 | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 1.00 | — | 0.25 |
| STANDING_INSTRUCTIONS | 5.00 | — | — |
Benefits
-
Contactless payments Highlight
Tap-to-pay enabled
-
Standing instruction bonus Highlight
5% bonus rewards on setting up new standing instructions
-
Fuel surcharge waiver
1% fuel surcharge waiver
Eligibility
- Age
- 21–60 years
- Min. income
- ₹1,50,000
- Min. credit score
- 650+
- Score note
- Stable income
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, latest salary slips / ITR, address proof
AU Prathama Credit Card is a Visa entry-level card from AU Small Finance Bank, launched in May 2026 as part of its new portfolio, with low fees and contactless payments.
Fees and rewards
- Annual fee: Rs 199 (waived on Rs 30,000 annual spend)
- Joining fee: Nil
- Rewards: 1 reward point per Rs 100; 5% bonus on standing instructions
Eligibility
PAN, Aadhaar, latest salary slips / ITR, address proof
Card data compiled from issuer published fee schedules. Status: active.
Apply for AU Prathama Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the AU Prathama Credit Card worth it?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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