AU Prathama

1 point/₹100 eligible spend, valued at ₹0.20 as a voucher. Confirm your actual channel, merchant code and eligibility.

Where it pays

Issuer says one point per ₹100 ordinary eligible spend; Tap & Pay earns two points/₹100, and incremental eligible spend over ₹5,000 in a cycle earns two points/₹100. Generic input does not establish contactless use or transaction eligibility, so model uses the one-point base rate and omits the accelerators and recurring-payment setup bonus. AU issuer reward policy values each point at ₹0.20 on gift-card/voucher redemption, with a minimum 200 points and ₹99 + GST per successful redemption. The score assumes one voucher redemption after 12 months, subtracting that fee; value is a voucher, not cash. Fuel, rent, education, government, EMI, BBPS, transportation, cash and quasi-cash do not earn points; generic Utilities route is left unscored. ₹100 joining and annual fee plus GST; ₹75,000 prior anniversary-year spend can waive renewal, omitted in first-year model. Reward value: https://www.au.bank.in/ausfb-reward-points-ausfb-credit-card-reward-points-usage-tnc_2ndjune23.pdf ; fee: https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf .

Issuer source

https://www.au.bank.in/personal-banking/credit-cards/prathama-credit-card

Checked 27 Sep 2026. One category repeated monthly; not an account-wide return. Conditional welcome and milestone benefits are omitted. Check current issuer terms before applying.