- Joining fee
Lifetime Free
- Annual fee
Lifetime Free
- Best suited for
Travel, Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
5 Reward Points Per ₹100 on Paytm Travel and Paytm Gold Spends. 1 Reward Point per ₹100 Spent Online and Offline
- Reward redemption
1 Reward Point = ₹1 (When Redeemed for Paytm Gold) and 1 Reward Point = ₹0.5 (When Redeemed at AU Rewardz)
Benefits
- Domestic lounge
12 Complimentary Domestic Airport Lounge Visits on Booking Return Flight Tickets Worth ₹5,000 or More Via Paytm Travel on the Paytm App
Fees & charges
- Rewards redemption fee
₹99 + GST
- Foreign currency markup
3.49%
- Interest rates
3.75% Per Month (45% Per Annum)
- Fuel surcharge waiver
1% Fuel Surcharge Waiver for All Fuel Transactions in India Between ₹400 and ₹4,000.
- Cash advance charges
2.5%
Product highlights
- Lifetime free credit card with no joining or annual fee.
- Earn reward points on Paytm UPI transactions, Paytm app spends, and online and offline purchases.
- Get up to 12 complimentary domestic airport lounge visits on eligible Paytm Travel bookings.
- Enjoy a 1% fuel surcharge waiver on eligible fuel transactions across India.
- Redeem reward points for Paytm Gold or through the AU Rewardz portal.
Pros & cons
Pros
- It’s a lifetime-free credit card with no joining or annual fee, making it a great choice for everyday use.
Cons
- It has limited lifestyle benefits, as the card does not offer movie, dining, insurance, or international lounge access.
FAQs
Is the Paytm AU Credit Card lifetime free?
Yes, the Paytm AU Credit Card is a lifetime free credit card. It does not charge any joining or annual fee.
How can I earn reward points with the Paytm AU Credit Card?
You can earn reward points on Paytm UPI transactions, Paytm Travel bookings, Paytm Gold purchases, and regular online and offline purchases.
How can I redeem the reward points?
Reward points can be redeemed on the Paytm app for Paytm Gold or through the AU Rewardz portal. The redemption value is ₹1 per point for Paytm Gold and ₹0.50 per point for other redemption options.
Does the Paytm AU Credit Card offer airport lounge access?
Yes, the card offers up to 12 complimentary domestic airport lounge visits on eligible return flight bookings made through Paytm Travel on the Paytm app.
Does the card offer a fuel surcharge waiver?
Yes, you get a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000, with a maximum benefit of ₹100 per month.