Paytm AU Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns Reward Point

First-year fee

₹0

Lifetime free, no joining or annual fee

Annual fee

₹0

Lifetime free, no joining or annual fee

What it gives back

1 Reward Point per ₹100 · everyday spends

Read from 4 AU Small Finance Bank documents, last checked 19 Oct 2026.

How it compares

Compared with the cards we have read

No annual fee: one of 78 cards that state none, out of the 274 open cards whose annual fee we have read.

3.49% forex markup: of the 291 other open cards whose forex markup we have read, 92 state a lower one, 10 state the same and 189 state a higher one.

Fees

Rewards

Reward rate
1 Reward Point per ₹100 · everyday spends1 Reward Point per ₹100 spent on online and offline spends.

Charges

Forex markup
3.49% on foreign currency transactions.3.49% cross currency markup
Cash advance fee
2.5% of the cash withdrawal amount or ₹500, whichever is higher.
Interest on unpaid balance
3.75% per month (45% per annum)
Interest-free period
Up to 50 days (not applicable for cash withdrawal)
Late payment fee
15% of total amount due (minimum ₹10, maximum ₹1300)

Eligibility

Age the primary cardholder must be
Self Employed: 25 years to 65 years; Salaried: 21 years to 60 years.

How we know

4 documents from AU Small Finance Bank, checked 19 Oct 2026.

On these lists

₹0 for life

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