The Paytm AU Small Finance Bank RuPay Credit Card comes with no joining or annual fee, up to 2% rewards on eligible Paytm UPI payments, and 5% rewards on Paytm Travel bookings and Paytm Gold purchases. The co-branded card also offers family airport lounge access linked to eligible round-trip flight bookings through Paytm.
The lifetime-free credit card combines rewards on everyday payments with a travel benefit that can be used by family members travelling together. Its reward points have different redemption values: ₹1 per point for Paytm Gold and ₹0.50 per point for other categories.
Table of contents
Paytm AU Credit Card: Key Features
| Feature | Details |
|---|---|
| Issuing bank | AU Small Finance Bank |
| Card network | RuPay |
| Joining and annual fees | Nil |
| Eligible Paytm UPI payments | Up to 2% rewards |
| Paytm Travel bookings | 5% rewards |
| Paytm Gold purchases | 5% rewards |
| Eligible Paytm recharges and bill payments | 1% rewards |
| Family lounge access | Up to 12 complimentary visits a year, subject to eligible flight bookings |
| Lounge entry | QR-based access |
UPI Rewards and Monthly Limits
The card’s Paytm UPI rewards are tiered. Eligible transactions up to ₹2,000 earn 2% rewards, while transactions above ₹2,000 earn 1%. The higher rate therefore does not apply to every UPI payment.
Paytm Travel bookings and Paytm Gold purchases earn 5% rewards. Eligible recharges and bill payments made through the Paytm app earn 1%.
Rewards are subject to monthly category limits:
- UPI spending: Up to 1,000 reward points.
- Paytm and e-commerce spending: Up to 1,000 reward points.
- Offline/POS spending: Up to 1,000 reward points.
These are reward points, not automatic cash credits to a bank account. The value received depends on how the points are redeemed.
Reward Points Can Be Redeemed for Paytm Gold
Reward points can be redeemed for Paytm Gold through the Paytm app, or through AU Small Finance Bank’s rewards portal for other available benefits.
For Paytm Gold redemption, 100 points have a value of ₹100. At the bank’s listed rate for other redemption categories, the same 100 points have a value of ₹50, before any applicable redemption charges.
That difference matters when reading the advertised reward rates: the ₹1-per-point value applies to Paytm Gold, not every redemption option.
Family Lounge Access Requires an Eligible Flight Booking
The family airport lounge benefit is linked to a round-trip flight booking worth ₹5,000 or more, made through Paytm Travel on the Paytm app using the card.
Up to four family members can access lounges together. The programme allows up to four lounge visits per eligible booking and up to 12 complimentary visits in a year. Entry is through a QR code, rather than requiring the physical credit card at the lounge.
The annual allowance is not unlimited access, and the benefit is not unlocked simply by holding the card. The qualifying flight booking and the programme’s visit limits apply.
Lifetime-Free Membership, Separate Usage Charges
The Paytm AU RuPay card has no joining or annual membership fee. Interest, late-payment charges, cash-withdrawal charges and other applicable usage fees are separate from the lifetime-free membership benefit.
The card is offered through the Paytm app, with issuance subject to AU Small Finance Bank’s eligibility checks and approval.
Related reading: Paytm Visa offer for metro tickets and bill payments and WhatsApp bill payments in India.