AU Prathama Credit Card: Turn Everyday Expenses into the Most Rewarding Experiences

Taking your first step into the world of credit cards is a big decision — and it deserves a card that genuinely works in your favour from day one. The AU Prathama Credit Card is designed exactly for this moment. With its promise of making "your first move and each spend work harder for you," this AU Credit Card by AU Small Finance Bank is a thoughtfully built entry-level credit card that rewards every transaction, simplifies your finances, and sets the foundation for a strong credit future.

Whether you are stepping into credit for the very first time or looking for a low-cost card that delivers consistent everyday value, the AU Prathama Credit Card is a smart, rewarding, and accessible choice.

What Is the AU Prathama Credit Card?

The Prathama Credit Card is an entry-level AU Credit Card from AU Small Finance Bank, designed for individuals who are beginning their credit journey. The word "Prathama" means "first" — and the card lives up to this by offering a seamless, rewarding, and low-cost first credit card experience.

With a nominal annual fee plus applicable taxes — among the lowest in its category — and a well-structured rewards programme that benefits everyday spenders, this AU Credit Card delivers strong value relative to its cost.

Who Is the AU Prathama Credit Card For?

The Prathama Credit Card by AU Small Finance Bank is the ideal choice for:

• First-time credit card applicants looking for a simple, low-cost entry into credit
• Salaried individuals within eligible age criteria beginning their credit profile journey
• Self-employed individuals within defined age criteria seeking an affordable credit card
• Anyone who wants to earn rewards on everyday spending without a high annual fee
• Families who want to extend credit card benefits to loved ones through lifetime-free add-on cards
• Utility bill payers, contactless payment users, and recurring payment users who want to earn bonus rewards on routine payments

Key Features and Benefits of the AU Prathama Credit Card

1. Accelerated Rewards — Consistent Reward Earning on Spends

The Prathama Credit Card offers reward points on every eligible spend across transactions. Whether you are shopping, paying bills, or making everyday purchases, your spending consistently earns you rewards that can be redeemed for a wide range of benefits through the bank’s loyalty programme.

2. Monthly Milestone Lift

One of the standout features of this AU Credit Card is the Monthly Milestone benefit. You earn enhanced reward points on incremental spends once you cross a defined monthly spend threshold within a billing cycle. This means the more you spend in a month beyond the threshold, the better your reward rate gets — encouraging smart, goal-oriented spending.

3. Contactless Payments with Reward Points

The AU Prathama Credit Card supports contactless tap-and-pay transactions within permitted limits — so you can make quick, secure payments without entering your PIN. Every eligible contactless transaction also earns reward points, combining speed, security, and value in a single tap.

4. Utility Made Easy — Bonus Reward Points on Recurring Transactions

Managing utility bills and recurring payments becomes more rewarding. The Prathama Credit Card gives you bonus reward points on successful recurring transaction setups. Whether it is electricity bills, mobile recharges, or subscriptions, every setup helps you accumulate additional rewards.

5. Fuel Surcharge Waiver

Save on fuel expenses with a fuel surcharge waiver on eligible transactions across petrol stations in India. This is a practical, recurring benefit that contributes to consistent savings over time.

6. Flexible EMI Conversion

Large expenses need not weigh heavily on your monthly budget. This AU Credit Card offers an EMI conversion facility that allows you to convert eligible transactions into easy and manageable monthly instalments, helping you maintain better financial control.

7. Rewards Programme — Redeem for Multiple Benefits

All reward points earned on the AU Prathama Credit Card are part of the bank’s loyalty programme. You can redeem them for a wide range of options — including vouchers, merchandise, travel bookings, and more — through the AU Small Finance Bank platform.

8. Lifetime-Free Add-on Cards

The AU Prathama Credit Card lets you share your benefits with family members through lifetime-free add-on cards. Your loved ones can enjoy the same rewards and payment features at no additional cost.

Fees and Charges

Fee TypeDetailsAnnual Card Membership FeeRs. 100 annual fee plus applicable taxesAnnual Fee Waiver (2nd year onwards)Waived upon achieving defined retail spend criteria in the previous card anniversary year

The AU Prathama Credit Card is one of the most cost-effective options available, with a nominal annual fee that can be waived from the second year onwards by meeting defined spend criteria — making it highly economical for regular users.

Eligibility Criteria

To apply for this AU Credit Card, you must meet the following criteria:

Primary Cardholder:

• Self-employed individuals within defined age criteria
• Salaried individuals within eligible age criteria
• Must be a Resident Indian

Add-on Cardholder:

• Should be above 18 years of age

Please note: These eligibility criteria are indicative. AU Small Finance Bank reserves the right to approve or decline applications.

Summary of Benefits at a Glance

FeatureDetailsReward PointsEarn reward points on all eligible spendsContactless TransactionsSeamless tap-and-pay with accelerated reward earningMonthly Milestone BenefitEnhanced rewards on incremental monthly spendsRecurring Transaction BonusBonus reward points on recurring payment setupsFuel Surcharge WaiverWaiver on eligible fuel transactions across IndiaEMI ConversionFlexible EMI options on eligible spendsAdd-on CardsLifetime-free for family membersRewards ProgrammeRedeem for vouchers, travel, merchandise & moreAnnual FeeNominal annual fee plus applicable taxesAnnual Fee WaiverWaived on achieving defined annual spend criteria

How to Apply for the AU Prathama Credit Card

Step 1: Check Your Eligibility

Confirm you meet the age and residency requirements applicable for this AU Credit Card.

Step 2: Apply Online

Visit the official AU Small Finance Bank website and navigate to the Credit Cards section. You can also apply through the AU 0101 mobile banking app.

Step 3: Submit KYC Documents

Keep your documents ready — identity proof, address proof, PAN card, and income documents as applicable.

Step 4: Verification and Approval

AU Small Finance Bank will review your application and credit profile and notify you via SMS or email.

Step 5: Card Delivery and Activation

Once approved, your AU Credit Card will be delivered and can be activated through the mobile app or customer care.

Why the AU Prathama Credit Card Is the Smart First Choice

Genuinely Affordable

With a nominal annual fee and a waiver option from the second year onwards, this AU Credit Card offers real rewards and benefits without a significant financial commitment.

Rewards That Grow With Your Spending

The monthly milestone structure ensures that your reward earning improves as your spending increases within a billing cycle — making it more valuable for consistent users.

Built for Everyday Life

From fuel savings to utility bill rewards, contactless payments to EMI flexibility, the Prathama Credit Card is designed around everyday financial needs .

Family-Friendly

Lifetime-free add-on cards allow your entire family to benefit from the card’s features without additional cost — a strong value proposition for an entry-level card.

Backed by AU Small Finance Bank

As a scheduled commercial bank regulated by the Reserve Bank of India, AU Small Finance Bank offers trust, security, and a strong digital banking ecosystem — making this AU Credit Card a reliable first step into credit.

Tips to Get Maximum Value from the AU Prathama Credit Card

Set Up Recurring Payments

Enable recurring payments for utilities and subscriptions to earn bonus reward points consistently.

Cross Monthly Spend Thresholds

Aim to reach the defined monthly spend threshold to unlock enhanced reward earning on incremental spends.

Use Contactless Payments Frequently

Tap-and-pay transactions are fast, secure, and reward-earning — use them wherever possible.

Use the Card for Fuel Transactions

Fuel payments using this AU Credit Card help you benefit from surcharge waivers over time.

Pay Your Bill in Full Every Month

Always clear your outstanding balance to avoid high interest charges and ensure all rewards remain actual savings.

Meet Annual Spend Criteria for Fee Waiver

Achieving defined annual spend thresholds can waive the annual fee, making the card highly cost-effective.

Frequently Asked Questions (FAQs)

Q1. What is the annual fee for the AU Prathama Credit Card?

The card comes with a Rs. 100 annual fee plus applicable taxes, which can be waived from the second year onwards upon meeting defined spend criteria.

Q2. How many Reward Points do I earn on this AU Credit Card?

You earn reward points on all eligible transactions, with enhanced earning potential through milestone and category-based benefits.

Q3. What is the Monthly Milestone benefit?

It is a feature that provides enhanced reward earning on incremental spends once you cross a Rs. 5,000 monthly spend threshold within a billing cycle.

Q4. How do I earn bonus reward points on recurring transactions?

You earn bonus reward points by setting up recurring payments such as utility bills, subscriptions, or other automated transactions using this AU Credit Card.

Q5. Is there a fuel surcharge waiver?

Yes, the card offers a fuel surcharge waiver on eligible fuel transactions across India.

Q6. What is the EMI conversion feature?

You can convert eligible transactions into easy monthly instalments, helping you manage large expenses more efficiently.

Q7. Are add-on cards available?

Yes, lifetime-free add-on cards are available for family members above 18 years of age.

Q8. Who is eligible to apply?

Salaried and self-employed individuals within defined age criteria who are resident Indians can apply. Add-on cardholders must be above 18 years of age.

Q9. How do I redeem my Reward Points?

Reward points can be redeemed through the bank’s loyalty programme for vouchers, merchandise, travel bookings, and more.

Q10. How do I apply for the AU Prathama Credit Card?

You can apply online via the AU Small Finance Bank website or mobile app, or visit a branch to apply in person.

Conclusion

The AU Prathama Credit Card proves that your first AU Credit Card does not have to be a compromise. With a low annual fee, consistent reward earning, milestone-based benefits, bonus rewards on recurring transactions, fuel surcharge waivers, EMI flexibility, and lifetime-free add-on cards — it delivers a comprehensive and rewarding experience tailored for beginners.

It is the kind of first credit card that builds good financial habits, rewards everyday spending, and sets you up for a stronger credit future — all in one simple, accessible package.

Apply for the AU Prathama Credit Card today — and make every spend work harder for you.

Disclaimer: All features, fees, eligibility criteria, and benefit details mentioned above are subject to change at the discretion of AU Small Finance Bank. Please refer to the official website or contact customer care for the most accurate and updated information before applying. Reward earning and redemption are subject to programme terms and conditions.