AU Prathama Credit Card
AU Small Finance Bank • RuPay
Low-barrier entry credit card designed for Tier 2/3 markets with minimal ₹100 annual fee and everyday retail rewards.
Underwriting & Income Cutoffs
Salaried professionals ke liye ₹15,000/month in-hand salary aur self-employed ke liye ₹0.2 Lakhs+ ITR required hoti hai. Healthy 680+ credit score expected hota hai.
High Spend Waiver Ratio (750X of Annual Fee)
Waiving the ₹100 annual renewal fee requires ₹75,000 in annual retail spending.
₹100 ki choti si annual fee maaf karwane ke liye saal me ₹75,000 kharch karne padte hain, jo fee ke comparison me bohot bada target hai.
Source: AU Prathama Schedule of Charges 2026
Basic 0.5% Reward Rate on Non-Essential Spends
Base rewards earn 1 point per ₹200 spent (0.25% to 0.50% effective value) with exclusions on wallet reloads and government payments.
General spends par sirf 0.5% reward value milti hai, is card se zyada returns ki umeed nahi ki ja sakti.
Source: AU Prathama Terms 2026
Calculate Your Real Annual Profit on AU Prathama Credit Card
Drag the slider to your estimated monthly card spend to project net monetary yield.
Is AU Prathama Credit Card Worth It in 2026? Honest Review, Pros & Cons
Agar aapka mahine ka kharcha online shopping, grocery aur utility bill payments me hota hai, toh AU Prathama Credit Card (AU Small Finance Bank) aapke monthly budget par achhi bachat kara sakta hai. Bank ke marketing ads me accelerated rewards dikhaye jaate hain, par asli fayda is baat par depend karta hai ki annual fee recover karne ke baad aapke haath me kitna net cashback bachta hai. Is card ki fees maaf karwane ka ₹75,000 target is category ke doosre cards (average ₹99,377) se 25% zyada aasaan hai.
RuPay UPI transactions par ₹2,000 MDR rule, 3.5% foreign currency markup fee aur statement redemption charges jaise practical aspects ko dhyan me rakhkar hi is card ki asli value samajh aati hai.
Smart personal finance strategy me AU Prathama Credit Card ke core advantages ko benchmark karein Kotak Mojo Platinum Credit Card aur RBL Bank Easysaver Credit Card ke tariff schedules ke sath. Hamare Peer Comparison Calculator par apne actual expenses daal kar aap transparent decision le sakte hain.
- 010.5% Top Reward Rate: High reward acceleration delivering up to 1% value back across designated transactions.
- 02Carrying Cost Structure: Full renewal fee reversal upon completing annual eligible card spending benchmarks.
- 03Category Flagship Perk: Daily digital QR scan enablement across merchant terminals without carrying plastic.
- 01Zero Excluded Rewards: Rent transfers par 1% bank fee lagti hai, aur wallet loads ya fuel transactions standard reward ledger se completely bahar hain.
- 02Cross-Border / ATM Surcharge: Cross-border international transactions par standard 3.50% markup + 18% non-refundable GST deduct hota hai.
- 03Redemption / Carrying Leak: Spend milestone na reach hone par saalana ₹118 carrying cost deduct hoti hai.
AU Prathama Credit Card Spend Calculator: Annual Profit, Fee Waiver & Break-Even Math
Different monthly spending habits ke hisaab se is card ka annual return aur fee recovery status check karein: Har user ka annual spend pattern alag hota hai, isliye is table me 18% GST tax deduction ke baad actual take-home bachat show ki gayi hai. Card ke milestone waiver rules ko analyze karne ke liye aap hamare Annual Fee Waiver Calculator aur Credit Card EMI Calculator ka sahara le sakte hain.
| Spending Profile | Monthly Spend | Annual Spend | Gross Rewards | Fee Deducted | Net Annual Return |
|---|---|---|---|---|---|
| Conservative Spender | ₹10,000 / mo | ₹1,20,000 / yr | +₹600 | 100% Waived (₹0) | +₹600 |
| Active Spender | ₹30,000 / mo | ₹3,60,000 / yr | +₹1,800 | 100% Waived (₹0) | +₹1,800 |
| Heavy Power User | ₹75,000 / mo | ₹9,00,000 / yr | +₹4,500 | 100% Waived (₹0) | +₹4,500 |
• Partner Merchant Spends (0.5% Accelerator): Agar aapka kharcha sirf top partner checkout par hota hai, toh card ki annual renewal fee ₹118 (incl. 18% GST) recover karne ke liye aapko saal me kam se kam ₹23,600 (yaani sirf ₹1,967 / mahina) spend karna zaroori hai.
• Regular Offline Spends (0.5% Floor Rate): General offline retail stores, grocery ya non-partner swipes par fee recover karne ke liye aapko saal me lagbhag ₹23,600 (lagbhag ₹1,967 / mahina) spend karna padega.
Annual Fee Waiver Milestone Feasibility: ₹75,000 Spend Target
Is card ki fees maaf karwane ka ₹75,000 target is category ke doosre cards (average ₹99,377) se 25% zyada aasaan hai. Bank MITC schedule ke mutabiq annual renewal fee waiver pane ke liye saal me eligible retail spend complete karna hota hai. Dhyan rahe ki rent payments, wallet reload aur fuel transactions waiver spend quota me count nahi hote. Fee waiver targets aur billing cycles ko track karne ke liye hamara Billing Cycle & Grace Period Tool use karein.
AU Prathama Credit Card Benefits & Reward Points Value: 1 Reward Points = ₹ Rupee Conversion
Low-barrier entry credit card designed for Tier 2/3 markets with minimal ₹100 annual fee and everyday retail rewards.
Retail Spends
1 Reward Point per ₹200 spent
General Retail & Non-Partner Swipes
Partner ecosystem se bahar kisi bhi regular offline merchant POS terminal ya non-accelerated online website par swipe karne par standard base reward rate (0.5%) credit hota hai.
Settlement Currency: Reward Points
Reward points ko bank ke official rewards portal par product catalog ya merchant brand vouchers me redeem kiya ja sakta hai.
AU Prathama Credit Card Hidden Charges, Exclusions & Complete MITC Fee Schedule
High Spend Waiver Ratio (750X of Annual Fee)
Waiving the ₹100 annual renewal fee requires ₹75,000 in annual retail spending.
₹100 ki choti si annual fee maaf karwane ke liye saal me ₹75,000 kharch karne padte hain, jo fee ke comparison me bohot bada target hai.
Basic 0.5% Reward Rate on Non-Essential Spends
Base rewards earn 1 point per ₹200 spent (0.25% to 0.50% effective value) with exclusions on wallet reloads and government payments.
General spends par sirf 0.5% reward value milti hai, is card se zyada returns ki umeed nahi ki ja sakti.
| Fee / Tariff Component | Schedule of Charges | Mitigation / Waiver Rule |
|---|---|---|
| Joining Fee | ₹100 + 18% GST | Reversed via welcome benefits / first 30-day spend |
| Annual Renewal Fee | ₹100 + 18% GST (Total: ₹118) | Waived on ₹75,000/yr eligible spend |
| Finance Charges (APR) | 3.59% / month (43.08% p.a.) | Interest-free grace period up to 50 days on full statement settlement |
| Cash Advance Fee (ATM) | 2.50% of cash amount (Minimum ₹500) + 18% GST | Avoid ATM cash withdrawals; interest accrues from day 1 |
| Cross-Border Forex Fee | 3.50% + 18% GST on international transactions | Use dedicated zero-forex cards for international spends |
| Late Payment Charges | ₹100 to ₹1,300 slab-wise based on statement due | Set up auto-debit for full monthly balance |
blockZero-Reward Spend Categories
Rental portals aur digital cash loading par bank koi accelerated ya base reward credit nahi karta. Rental spend ko annual waiver target me bhi shamil nahi kiya jata.
local_gas_stationFuel Surcharge 18% GST Reality
Petrol pump swipe par bank 1% surcharge toh wapas kar deta hai par uspe laga 18% GST wapas nahi aata. Isliye bina cobranded fuel card ke regular swipes par har baar thoda sa extra charge cut hota hai.
currency_exchange3.5% International Forex Markup
Cross-border foreign currency spending par standard 3.5% bank forex fee aur 18% GST lagta hai. Saal me ₹7 Lakhs se zyada overseas spending hone par RBI LRS ke tehat 20% TCS deduction rule bhi trigger hota hai.
redeemReward Liquidity & Expiry
Reward points ko bank ke official rewards portal par product catalog ya merchant brand vouchers me redeem kiya ja sakta hai.
AU Prathama Credit Card RuPay UPI Transactions, QR Scan Limits & Merchant Rules
Seamless UPI Integration: RuPay protocol ke through yeh card aapke favorite UPI application me seamlessly bind ho jata hai, jisse offline QR scans par instant payment processing milti hai.
P2M Commercial Merchant Rules: QR payment sirf verified merchant barcodes (P2M) par valid hota hai. Kisi personal phone number ya friend ke QR (P2P) par transaction allowed nahi hai.
AU Prathama Credit Card Eligibility Criteria: Minimum Salary, Age Limit, Credit Limit & CIBIL Score
₹15,000 / month
Regular net bank credit statement.
₹20,000
Verified latest ITR copy.
680+ Score
Zero defaults in last 24 months.
21 to 60 Years
Indian resident citizen.
Salaried professionals ke liye minimum net monthly in-hand income ₹15,000/month aur minimum bureau score 680+ maintain karna expected hota hai. Self-employed applicants ke liye verified ₹0.2 Lakhs+ ITR mandatory rehti hai. Bank ke underwriting criteria me minimum monthly salary requirement aur bureau score sabse aham role play karte hain. Hard credit inquiry se bachne ke liye aap pehle hamare Credit Card Eligibility Checker par apni approval suitability evaluate karein aur CIBIL Simulator Tool se apna credit health score improve karein.
- ✓Salaried professionals jinki monthly income ₹25,000+ hai aur jo ek reliable secondary card dhoondh rahe hain.
- ✓Online shoppers jo e-commerce checkout par instant discounts aur reward multipliers ka fayda uthana chahte hain.
- ✓Card users jo apne bill payments aur regular grocery expenses par structured cashback return banana chahte hain.
- ✗Users jo bill payment cycle miss kar dete hain (kyunki 40%+ annual interest charges saari bachat ko khatam kar dete hain).
- ✗International online shoppers jo cross-border portal checkouts par foreign exchange fees pay nahi karna chahte.
- ✗Budget conscious spenders jinka saalana kharcha ₹1 Lakh se kam rehta hai aur jinhe fee waiver ka fayda nahi milega.
AU Prathama Credit Card vs Top Competitors: Side-by-Side Comparison
Bina marketing bias ke apne kharche ke anuroop right card choose karne ke liye Kotak Mojo Platinum Credit Card aur RBL Bank Easysaver Credit Card ke comparison metrics par ek nazar daalein:
| Comparison Metric | AU Prathama Credit Card (Current) | Kotak Mojo Platinum Credit Card | RBL Bank Easysaver Credit Card |
|---|---|---|---|
| Annual Renewal Fee | ₹100 (Waived at ₹75,000) | ₹1000 (Waived at ₹1,00,000) | ₹499 (Waived at ₹50,000) |
| Top Reward Rate | 0.5% | 1% | 1% |
| Category Tier | FLEXIBLE REWARDS & MILESTONES | FLEXIBLE REWARDS & MILESTONES | FLEXIBLE REWARDS & MILESTONES |
| Direct Action | Current Review | View Review → | View Review → |
Not sure if AU Prathama Credit Card matches your exact salary & spending habits?
Compare your real savings potential against all top Indian credit cards in 60 seconds with zero telemarketing calls. Agar aap multiple options me confuse hain ki aapke monthly spends ke mutabiq konsa card sabse zyada net profit dega, toh hamare algorithmic EQUIS 60-Second Credit Card Recommendation Engine se instant unbiased analysis payein.
Frequently Asked Questions (AU Prathama Credit Card FAQs)
What is the annual fee of AU Prathama Credit Card and how can it be waived?expand_more
What are the underwriting income cutoffs and credit score requirements for AU Prathama Credit Card?expand_more
What are the hidden charges, forex markup, and cash advance fees?expand_more
Head-to-Head Comparison: Why choose AU Prathama Credit Card over Kotak Mojo Platinum Credit Card?expand_more
Are rent payments, fuel, and wallet reloads eligible for rewards on AU Prathama Credit Card?expand_more
Can AU Prathama Credit Card be linked to Google Pay or PhonePe for UPI QR code scanning?expand_more
• Transparency Standard: Verified against latest published AU Small Finance Bank schedule of retail charges • Regulatory Source: RBI Master Directions on Credit Card Operations • Consumer Protection: Zero Commercial Bias Policy by EQUIS.