AU Prathama
AU Small Finance Bank · Checked 2026-10-09
AU Prathama is a paid card focused on shopping rewards and reward points, charging ₹100 annually before GST.
CardIQ editorial view
Our take
AU Prathama is a paid card focused on shopping rewards and reward points, charging ₹100 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise reward points.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 2 reward points per ₹100 on eligible contactless purchases.
- 1% fuel surcharge waiver on ₹400–₹5,000 transactions, capped at ₹100 per statement month under the current KFS.
Trade-offs to understand
- 1 point per ₹100 on other eligible spending; incremental eligible spending beyond ₹5,000 per statement cycle earns 2 points per ₹100.
- 1% fuel surcharge waiver on ₹400–₹5,000 transactions, capped at ₹100 per statement month under the current KFS.
- The ₹100 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 2 reward points per ₹100 on eligible contactless purchases valuable enough to clear the fee. Factor in this condition: 1 point per ₹100 on other eligible spending; incremental eligible spending beyond ₹5,000 per statement cycle earns 2 points per ₹100.
Compare before deciding
- RBL Bank QuickPay — A lower-fee way to compare similar strengths in shopping rewards and reward points.
- Axis Bank KWIK — A lower-fee way to compare similar strengths in shopping rewards and reward points.
This CardIQ editorial assessment is maintained separately from issuer facts and commercial links. CardIQ may earn a commission from some applications. Verify current terms before applying.
Benefits, limits and conditions
- 1 point per ₹100 on other eligible spending; incremental eligible spending beyond ₹5,000 per statement cycle earns 2 points per ₹100.
- 500 bonus points for a qualifying recurring-payment setup, once per merchant.
- 1% fuel surcharge waiver on ₹400–₹5,000 transactions, capped at ₹100 per statement month under the current KFS.