# AU Prathama Credit Card

AU Small Finance Bank · Visa. ₹100 fee · 3.49% forex · 1 RP/₹100 up to ₹5,000/cycle · utilities and telecom capped at 100 pts/txn · 2 RP/₹100 on contactless.

✓ official · checked 1 September 2026 · Source: https://www.au.bank.in/personal-banking/credit-cards/prathama-credit-card

## How it earns (2)

- 2 RP/₹100 on incremental spend above ₹5,000 in a statement cycle, cap 1,000 RP/cycle · cap 1,000 points per statement cycle · above ₹5,000 per statement cycle · ✓ official · checked 2 October 2026
- 1 RP/₹100 up to ₹5,000/cycle · utilities and telecom capped at 100 pts/txn · 2 RP/₹100 on contactless · ✓ official · checked 1 September 2026

## On gift vouchers

- ₹20 back on a ₹10,000 voucher bought direct. · 1 RP/₹100 up to ₹5,000/cycle · utilities and telecom capped at 100 pts/txn · 2 RP/₹100 on contactless
- Vouchers for ACT Fibernet, Bharat Petroleum (BPCL), Uber, Airtel (Thanks app) and 32 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (1)

- No RP: Cash, Rent, Education & Govt, EMI, Fuel, BBPS, Transportation, Quasi-Cash

## Fees

- Annual fee: ₹100 + GST
  Waived at ₹75,000 spend per card year
- Forex markup: 3.49%
- DCC markup: Not published
- Earns: AU Rewardz Points · ₹0.25 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/au-prathama