Paytm AU
AU Small Finance Bank · Checked 2026-10-09
Paytm AU is a no-annual-fee option centred on shopping rewards, online spending and travel benefits.
CardIQ editorial view
Our take
Paytm AU is a no-annual-fee option centred on shopping rewards, online spending and travel benefits.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise online spending.
- People who prefer keeping a card without an annual membership cost.
Key strengths
- 2 reward points per ₹100 on eligible Paytm UPI purchases of ₹100–₹2,000.
- Lounge access requires qualifying round-trip Paytm Travel bookings; it is not unconditional airport access.
Trade-offs to understand
- Paytm UPI purchases over ₹2,000 earn 1 point per ₹100; other UPI apps earn 1 point per ₹400 on eligible transactions.
- 5 points per ₹100 on eligible Paytm-app online/travel merchant transactions; 1 per ₹100 on other eligible online/offline purchases.
- All eligible earn is capped at 3,000 points per statement cycle. 1 point = ₹1 for Paytm Gold or ₹0.50 in other redemption categories.
CardIQ verdict
A sensible long-term choice when you want shopping rewards, online spending and travel benefits without a recurring membership charge. Check this condition before applying: Paytm UPI purchases over ₹2,000 earn 1 point per ₹100; other UPI apps earn 1 point per ₹400 on eligible transactions.
Compare before deciding
- IndusInd Bank Pinnacle — A similarly priced alternative for comparing shopping rewards and reward points.
- CRED IndusInd Bank RuPay — A higher-fee option to compare for broader benefits around shopping rewards and reward points.
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Benefits, limits and conditions
- Paytm UPI purchases over ₹2,000 earn 1 point per ₹100; other UPI apps earn 1 point per ₹400 on eligible transactions.
- 5 points per ₹100 on eligible Paytm-app online/travel merchant transactions; 1 per ₹100 on other eligible online/offline purchases.
- All eligible earn is capped at 3,000 points per statement cycle. 1 point = ₹1 for Paytm Gold or ₹0.50 in other redemption categories.
- Lounge access requires qualifying round-trip Paytm Travel bookings; it is not unconditional airport access.