First card
AU Prathama Credit Card
AU’s entry-level RuPay card for first-time users: a ₹100 fee, easy waiver and UPI payments on credit. Rewards are small.
Joining fee₹100 + GST
Annual fee₹100 + GST
Fee waiverOn ₹75,000 spend a year
Top reward2 points per ₹100 on tap-to-pay
LoungeNone
Forex markup3.49%
Best for: First-time card users who want a cheap card to build a credit score.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Tap-to-pay and spends above ₹5,000 a cycle | 2 points per ₹100 (about 0.5%) | – |
| Other spends | 1 point per ₹100 (about 0.25%) | – |
| Fuel, rent, education, government, EMI, transport | Nothing | – |
- 1 point = about ₹0.25.
Benefits
Welcome benefit
- 500 bonus points for each merchant where you set up your first standing instruction.
Milestones
- Annual fee waived on ₹75,000 spend.
Travel and lounges
- No lounge access.
Fuel and forex
- 1% fuel surcharge waiver up to ₹100 a month.
- Forex markup 3.49%.
Other perks
- Works on UPI
Fees and charges
| Joining fee | ₹100 + GST (₹118) |
|---|---|
| Annual fee | ₹100 + GST, waived on ₹75,000 yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3.49% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried: age 21 to 60
- Self-employed: age 25 to 65
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Very low fee
- Works on UPI
- Good starter card
Watch out for
- Very low rewards
- No lounges or perks
- High forex markup
Recent changes
- 1 Jul 2026Fuel fair-usage rules tightened.
- 4 May 2026Card launched.
Frequently asked questions
Is AU Prathama good for beginners?
Yes, the fee is only ₹100 + GST and it works on UPI, but rewards are small.
Ready to apply for the AU Prathama Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.