Find my best card →
faayda.com › cards › Paytm AU Credit Card
AU Small Finance Bank · RuPay / Visa · हिन्दी

Paytm AU Credit Card: full review

The Paytm AU Credit Card is a lifetime-free card that pays 1% on most spends and up to 2% on small Paytm UPI payments, as long as you take your points as Paytm Gold at ₹1 each. Its family lounge access is unusual for a free card, but it only unlocks when you book round-trip flights through Paytm. It suits people who already pay and book through Paytm; others will find a flat 1% card simpler.

Apply now ↗Annual fee: Lifetime free
Last updated: October 2026 · Current terms verified
AU SMALL FINANCE
VISA
)))
PAYTM
ASHOK KUMAR
12/28
Lifetime freeAnnual fee
1 reward point per ₹100 on online and offline card spends (1% at ₹1 a point when redeemed as Paytm Gold, or ₹0.50 on AU Rewardz); 2 points per ₹100 on Paytm UPI payments of ₹100 to ₹2,000; 5 points per ₹100 on Paytm Travel and Paytm Gold; 1 point per ₹100 on bill payments through the Paytm app; 1 point per ₹400 on UPI in other apps; capped at 3,000 points a statement cycle; no points on fuel, rent, wallets, insurance, education, government, transport or utility bills paid outside PaytmReward structure
Up to 12 domestic airport lounge visits a year, unlocked by round-trip flights of ₹5,000 or more booked through Paytm Travel (up to 4 family members per booking)Lounge access

Key benefits of the Paytm AU Credit Card

1 reward point per ₹100 on online and offline card spends, worth ₹1 when redeemed as Paytm Gold2 reward points per ₹100 on Paytm UPI payments between ₹100 and ₹2,000 (1 point above ₹2,000)5 reward points per ₹100 on Paytm Travel bookings and Paytm Gold purchases1 reward point per ₹100 on utility bills paid through the Paytm appUp to 12 domestic lounge visits a year with round-trip flights of ₹5,000+ booked on Paytm, for up to 4 family members per booking, using a lounge QR code1% fuel surcharge waiver at fuel stations across IndiaLifetime free, with no joining or annual feeRuPay variant works for UPI payments in any app
Apply now ↗ Min. income: ₹25,000/month (salaried or self-employed) · Credit score: 720+ (Paytm's guide, not a hard cutoff)
Pros and cons
Pros
✓ Lifetime free with no spend conditions
✓ 1% back on most card spends, and up to 2% on Paytm UPI
✓ Family lounge access, rare on a free card
✓ Points are worth ₹1 each as Paytm Gold
Cons
✗ Points are worth only ₹0.50 if you redeem them for anything other than Paytm Gold
✗ UPI in apps other than Paytm earns just 0.25%
✗ Lounge visits need a round-trip flight of ₹5,000+ booked on Paytm, not just a card swipe
✗ Total rewards capped at 3,000 points a statement cycle
✗ No points on fuel, rent, insurance, education, transport or utility bills paid outside Paytm
✗ 3.5% forex markup
Quick facts
Issuer AU Small Finance Bank
Network RuPay / Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Up to 12 domestic airport lounge visits a year, unlocked by round-trip flights of ₹5,000 or more booked through Paytm Travel (up to 4 family members per booking)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Interest rate 3.75% per month (45% a year)
Fee waiver No joining or annual fee
Add-on cards Add-on cards available for family members aged 18 and over
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried or self-employed)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 720+ (Paytm's guide, not a hard cutoff)
SourceAU Small Finance Bank's Paytm AU card page, reward point terms and MITC · Last checked October 2026
Calculate your annual benefit

Enter your typical monthly spend to see exactly how much you'd earn with this card.

₹
₹
₹
₹
₹
₹
Enter your monthly spend above to see your benefit
Frequently asked questions
The annual fee for Paytm AU Credit Card is Lifetime free. This card is lifetime free with no annual fee. Fee waiver: No joining or annual fee.
The main benefits of the Paytm AU Credit Card are: 1 reward point per ₹100 on online and offline card spends, worth ₹1 when redeemed as Paytm Gold; 2 reward points per ₹100 on Paytm UPI payments between ₹100 and ₹2,000 (1 point above ₹2,000); 5 reward points per ₹100 on Paytm Travel bookings and Paytm Gold purchases; 1 reward point per ₹100 on utility bills paid through the Paytm app; Up to 12 domestic lounge visits a year with round-trip flights of ₹5,000+ booked on Paytm, for up to 4 family members per booking, using a lounge QR code; 1% fuel surcharge waiver at fuel stations across India; Lifetime free, with no joining or annual fee; RuPay variant works for UPI payments in any app.
1 reward point per ₹100 on online and offline card spends (1% at ₹1 a point when redeemed as Paytm Gold, or ₹0.50 on AU Rewardz); 2 points per ₹100 on Paytm UPI payments of ₹100 to ₹2,000; 5 points per ₹100 on Paytm Travel and Paytm Gold; 1 point per ₹100 on bill payments through the Paytm app; 1 point per ₹400 on UPI in other apps; capped at 3,000 points a statement cycle; no points on fuel, rent, wallets, insurance, education, government, transport or utility bills paid outside Paytm
Paytm AU Credit Card is best for Paytm users wanting a lifetime-free RuPay card with up to 2% back on Paytm UPI and family lounge access on flights booked through Paytm. The Paytm AU Credit Card is a lifetime-free card that pays 1% on most spends and up to 2% on small Paytm UPI payments, as long as you take your points as Paytm Gold at ₹1 each. Its family lounge access is unusual for a free card, but it only unlocks when you book round-trip flights through Paytm. It suits people who already pay and book through Paytm; others will find a flat 1% card simpler.
The minimum income requirement for Paytm AU Credit Card is ₹25,000/month (salaried or self-employed). A minimum credit score of 720+ (Paytm's guide, not a hard cutoff) is also recommended.
Yes, Paytm AU Credit Card offers Up to 12 domestic airport lounge visits a year, unlocked by round-trip flights of ₹5,000 or more booked through Paytm Travel (up to 4 family members per booking).
Paytm AU Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Shopping Credit Cards →Best Lifetime Free Credit Cards →Best Credit Cards for Amazon and Flipkart →Best Credit Cards for Students →Best Credit Cards for Self-Employed →
Card reviews
Roarbank RuPay Credit CardNew-to-credit users who want a lifetime-free RuPay UPI card with a built-in savings account, and who will actively pick and track their monthly cashback categoriesIDFC FIRST Quantum+ Credit CardFirst credit card for anyone with no credit history who wants a lifetime-free, FD-backed card with a flat 1% cashback and a very small depositAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categories
Embed this card
Add this widget to your site
Writing a review or comparison for the Paytm AU Credit Card? Embed this live widget. It always shows our current, verified fee and reward rate, so it never goes stale.
Live preview
<iframe src="https://faayda.com/embed/paytm-au"
  width="420" height="260"
  frameborder="0"></iframe>
No sign-up · Free to use
Paytm AULifetime free
Apply now ↗