AU Prathama Credit Card – Benefits, Fees & Eligibility

Introduction

The Prathama Credit Card, issued by AU Small Finance Bank, is designed to make everyday spending more rewarding. It offers up to 2 Reward Points on contactless transactions, provides 500 bonus reward points for setting up each recurring payment, and includes a 1% fuel surcharge waiver, making it a suitable option for individuals looking to maximize benefits on their daily expenses and utility payments.

Fees

• Annual Card Membership Fee: ₹100 + applicable taxes.
• Annual Fee Waiver Condition: The annual fee for the 2nd year onwards is waived if retail spends of ₹75,000 are made in the previous card anniversary year.
• Fuel Surcharge Waiver: 1% surcharge waiver on fuel spends between ₹400 and ₹5,000 across India, with a maximum waiver of ₹100 per statement cycle.

Rewards

• Accelerated Rewards: Earn up to 2 Reward Points on every ₹100 spent.
• Contactless Payments: Earn 2 Reward Points on every ₹100 spent for quick, secure contactless payments up to ₹5,000 without entering a PIN.
• Monthly Milestone Lift: Earn an additional 2 Reward Points per ₹100 on incremental spends when you cross ₹5,000 in a statement cycle.
• Utility Made Easy: Receive 500 Bonus Reward Points on each successful recurring transaction setup.
• Fuel Surcharge Waiver: Save 1% surcharge on fuel spends between ₹400 and ₹5,000 across India, up to a maximum of ₹100 per statement cycle.
• Xpress EMI: Manage credit card bills by converting transactions of ₹500 and above, with a minimum total value of ₹2,000, into EMIs.
• Add-on Cards: Offer credit card benefits to loved ones through lifetime-free add-on cards.

Rewards Redemption Guide

• AU Rewardz: Redeem your accumulated Reward Points for a range of amazing benefits through the AU Rewardz program.

Card Eligibility Criteria

• Primary Cardholder Age Group:
  • Self-Employed: 25 years to 65 years
  • Salaried: 21 years to 60 years
• Add-on Cardholder Age: Should be over 18 years.
• Residency: Must be a Resident Indian.
• Discretionary Approval: These criteria are indicative, and AU Small Finance Bank reserves the right to approve or decline applications.

Important Product Details

• Positive Highlights:
  • Earn up to 2 Reward Points on every ₹100 spent, including contactless transactions.
  • Receive 500 Bonus Reward Points for each successful recurring transaction setup.
  • Benefit from a 1% fuel surcharge waiver (up to ₹100 per cycle).
  • Get additional 2 Reward Points per ₹100 on incremental spends after crossing ₹5,000 in a cycle.
  • Lifetime-free add-on cards are available for family members.
  • Option to convert transactions of ₹500 and above into EMIs (Xpress EMI).
• Negative Highlights:
  • An annual card membership fee of ₹100 + applicable taxes applies, though it is waivable based on annual spending.

Other Details

• Quick Links: Access to track application status, customer support, make payments, Most Important Terms and Conditions, and Card Member Agreement.
• AU Small Finance Bank Advantages:
  • National presence with 1042 branches & ATMs.
  • Offers quality services at competitive rates.
  • Ample touchpoints ensure convenient customer service.
  • Superfast AU 0101 App for managing and tracking transactions.
  • Sustained growth with a balance sheet of over ₹1 lakh crore.
• AU 0101 Mobile App Features:
  • View balance and transactions.
  • Download account statements.
  • Request cheque books.
• Customer Support: 24x7 help is available.
• Referral Program: Opportunity to refer the account to friends and family.
• Legal Disclaimers: Eligibility criteria are indicative, and the bank retains the right to approve or decline applications.