Cards / AU Small Finance

AU Small FinancePrathama

Prathama Credit Card

AU Small Finance Bank · Entry level

Reviewed by Chandan Kumar Dash

2 reward points per ₹100 on contactless spends; 1 per ₹100 on other spends.

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Joining fee

₹100

Annual fee

₹100

Waiver spend

₹75,000

Forex markup

3.49%

Fee waiver

Spend ₹75,000 in a card year and the next annual fee is waived. Spends on education, fuel, rent do not count.

That is about ₹6,250 a month.

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How the app counts rewards

• 1 point per ₹100 (2 per ₹100 on contactless and above ₹5,000 a cycle)

No rewards on education, fuel, rent.

Points

Reward Points, worth about ₹0.2 each on the usual redemption.

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Who can apply

• Age 21 to 65

Salaried: 21 to 60 years. Self-employed: 25 to 65 years.

Published minimums. Approval is the bank's decision. See every card you qualify for.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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