- Joining fee
₹100 + GST
- Annual fee
₹100 + GST
- Best suited for
Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
2 Reward Points/₹100 on Contactless Transactions and 1 Reward Point/₹100 on all Other Spends
- Reward redemption
Redeem Reward Points E-vouchers, Merchandise, and Flight/Hotel Bookings. 1 RP= ₹0.25
Fees & charges
- Spend-based waiver
Annual Charges Waived on Spends of ₹75,000
- Rewards redemption fee
₹99 + GST
- Foreign currency markup
3.49%
- Interest rates
3.75% per month (45% per annum)
- Fuel surcharge waiver
1% Surcharge on Fuel Spends Between ₹400 – ₹5,000 (Maximum ₹100 per statement cycle)
- Cash advance charges
2.5%
Product highlights
- Low annual fee of ₹100 + GST, making it an affordable option for everyday use.
- Earn 1 reward point for every ₹100 spent on regular purchases.
- Get accelerated rewards with 2 Reward Points for every ₹100 spent on contactless or Tap & Pay transactions.
- Earn 2X Reward Points on spends above ₹5,000 in a statement cycle.
- Receive 500 bonus Reward Points on successfully setting up a standing instruction or recurring payment with the card.
- Get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 across India, capped at ₹100 per statement cycle.
Pros & cons
Pros
- The card comes with an affordable fee of ₹100 + GST, which makes it a decent choice for new credit card users.
Cons
- The reward structure of the AU Prathama Credit Card is not very attractive, as the card offers a low reward rate compared to many other entry-level and lifetime free credit cards.
FAQs
Who should apply for the AU Prathama Credit Card?
This card is best suited for first-time credit card users and individuals looking for a low-fee card with simple rewards on daily spending.
What is the annual fee for the AU Prathama Credit Card?
The card comes with a joining fee of ₹100 + GST and an annual fee of ₹100 + GST, making it an affordable option for everyday use.
What are the standing instruction bonus Reward Points?
You receive 500 bonus Reward Points when you set up a recurring payment or standing instruction for the first time with a merchant. The benefit is applicable only once per merchant.
Is there any fuel surcharge waiver benefit?
Yes, cardholders get a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 across India. The maximum waiver is capped at ₹100 per statement cycle.
Is there any reward redemption fee?
Yes, a redemption fee of ₹99 + GST is charged whenever Reward Points are redeemed.