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Comparison · हिन्दी

Paytm AU vs Paytm SBI

Both cards compared on real rupee returns for Paytm AU vs Paytm SBI credit card which better Paytm credit card UPI India. We ran the numbers so you can make the right call.

Last updated: · Based on current card terms
AU SMALL F
PAYTM AU
ASHOK KUMAR
VS
SBI
PAYTM SBI
ASHOK KUMAR
Our verdict
Paytm AU Credit Card wins for most people
Paytm AU wins with ₹1,680 annual benefits versus Paytm SBI's ₹1,421, primarily due to its lifetime-free status and superior rewards on Paytm UPI payments despite a lower overall earning rate.
Side-by-side comparison
Paytm AU Credit Card ✓ Paytm SBI Credit Card
Annual benefit ₹1,680 ₹1,421
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free ₹499 + taxes (waived on ₹1,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 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 3% cashback on Paytm Mall, movies and travel via Paytm; 2% on other Paytm app spends; 1% on all other spends
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) 4 domestic visits/year (1 per quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.49% 3.5%
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 Paytm app users wanting cashback on travel, movies and online shopping via Paytm
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) ₹20,000/month (salaried)
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) 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
Paytm AU Credit Card
Paytm AU excels for users heavily reliant on Paytm UPI payments and the Paytm app ecosystem. Its lifetime-free structure and 2% back on Paytm UPI (₹100–₹2,000 range) maximize value without annual fees.
Paytm SBI Credit Card
Paytm SBI suits high-spend users exceeding ₹1,00,000 annually who want fee waiver benefits and value 3% cashback on Paytm Mall and travel bookings, offsetting the ₹499 annual fee.
Who should get which card
Get Paytm AU if you…
· Lifetime-free card with no annual fee burden
· 2% rewards on frequent Paytm UPI payments
· Better for moderate spenders (₹14,000/month range)
Get Paytm SBI if you…
· 3% cashback on Paytm shopping and travel bookings
· Fee waiver at ₹1,00,000+ annual spend
· Higher earning on Paytm Mall purchases
Partner offer
Axis Bank Select Credit Card
Higher 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 spends
Apply now →
AXIS
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, Paytm AU Credit Card offers better annual returns for most spend profiles.
Paytm AU Credit Card has an annual fee of Lifetime free. Paytm SBI Credit Card has an annual fee of ₹499 + taxes (waived on ₹1,00,000/year spend).
Paytm AU Credit Card offers 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 SBI Credit Card offers 3% cashback on Paytm Mall, movies and travel via Paytm; 2% on other Paytm app spends; 1% on all other spends.
Paytm AU Credit Card lounge access: 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 SBI Credit Card lounge access: 4 domestic visits/year (1 per quarter).
Paytm AU Credit Card charges 3.49% forex markup. Paytm SBI Credit Card charges 3.5% forex markup.