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Paytm AU Credit Card
AU Small Finance Bank
Joining FeeLifetime FreeRenewal FeeLifetime Free
Last verified: 26 Sept 2026
Reward Program
Paytm AU Reward Points1 point = ₹1.00
Redemption fee: 0
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Managed via Paytm app, AU Rewardz
Transfer partners
1 Reward Point = ₹1 when redeemed as Paytm Gold on the Paytm app — the strict Rule 5 maximum, and the rate AU's own '2% Rewards on Paytm UPI' headline is computed from.1 Reward Point = ₹0.50 when redeemed on AU Rewardz — a SEPARATE and worse channel, half the Paytm Gold rate.
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Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹100 per statement month. AU sets this cap per variant across the range, from ₹100 on the entry cards to ₹1,000 on Zenith and Zenith+. The surcharge is levied by the acquiring bank, so the charge slip and the statement will differ; the waiver excludes GST, which is not reversed.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | Lifetime Free |
| Renewal Fee | Lifetime Free |
| Forex Markup | 3.49% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Reward Redemption Fee | 0 |
