lifetime-free
AU Prathama Credit Card
AU Bank's lowest-fee starter card, built for first-time credit users with milestone-based rewards.
Annual Fee
₹100+GST (exact waiver threshold not yet published — verify)
Rewards
Standard rate on all eligible spends including contactless tap-and-pay
Lounge Access
No
Fuel Waiver
Standard AU fuel surcharge waiver applies
Milestone
Monthly milestone benefits (increases as spend grows)
Best For
First-time credit users
Welcome Offer
Bonus points on recurring transaction (utility/subscription/recharge) setup
Type
Lifetime-Free
Description
AU Bank's most accessible credit card, purpose-built for first-time credit users at a nominal ₹100+GST annual fee. Earns reward points on all eligible spends including contactless payments, with monthly milestone benefits that scale up as spending increases. Bonus points are awarded for every successful recurring transaction setup (utility bills, subscriptions, mobile recharges). Includes a fuel surcharge waiver and low-threshold EMI conversion.
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