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AU Bank Pratham Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
Annual Fee waived on spending INR 75,000 or more in a year.
Cashback Rate
Users will get 2 reward points of spend of every INR 100 on contactless tap and pay transaction.
Value of 1 reward point is INR 0.25.
Contactless Cashback Rate: 0.5%.
User will get 1 reward point on all other retail spends on spending INR 100.
General Cashback Rate: .25%.
Get 2 extra reward points on incremental spends above INR 5,000 in a month.
Special Cashback Rate: 0.5%
Movie Benefits
None
Dining Benefits
None.
Other Benefits
Fuel Surcharge: 1%, waived for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (Maximum cashback INR 100 per statement cycle).
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
Annual Fee waived on spending INR 75,000 or more in a year.
Cashback Rate
Users will get 2 reward points of spend of every INR 100 on contactless tap and pay transaction.
Value of 1 reward point is INR 0.25.
Contactless Cashback Rate: 0.5%.
User will get 1 reward point on all other retail spends on spending INR 100.
General Cashback Rate: .25%.
Get 2 extra reward points on incremental spends above INR 5,000 in a month.
Special Cashback Rate: 0.5%
Movie Benefits
None
Dining Benefits
None.
Other Benefits
Fuel Surcharge: 1%, waived for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (Maximum cashback INR 100 per statement cycle).
Lounge Access
None.
Fees & Charges of
AU Bank Pratham Credit Card
Joining Fee
INR 100
Annual Fee
INR 100
Cash Advance Fee
Cash Advance Charges: 2.5% of amount withdrawn, subject to a minimum of INR 100.
Interest rate
Interest Rate: 3.49% per month (41.88% annually)
Late Payment Fee
Late Payment fees: 15% of the due amount ranging from INR 0 to INR 1300 for outstanding amount.
Foreign Currency Transactions Fee
Foreign Currency Mark up Fees: 3.49%
Other Fees
Reward Point Redemption Fee: INR 99.
Joining Fee
INR 100
Annual Fee
INR 100
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 3.49% per month (41.88% annually)
Late Payment Fee
Late Payment fees: 15% of the due amount ranging from INR 0 to INR 1300 for outstanding amount.
Foreign Currency Transactions Fee
Foreign Currency Mark up Fees: 3.49%
Other Fees
Reward Point Redemption Fee: INR 99.
Fee and Charges of
AU Bank Pratham Credit Card
Special Features
None.
Eligibility Criteria
Age: age over 21.
Income: monthly income of INR 25,000+ (salaried or self-employed),
Residence: reside in an AU Bank serviceable area.
Speical Feature, Eligibility and Benefits of
AU Bank Pratham Credit Card
How to apply for Credit Card?
Here are the steps on how to apply for an AU Pratham Credit Card:
Go to the AU Bank website and click on the "Apply for Credit Card" tab.
Select the Pratham Credit Card from the list of credit cards.
Enter your personal information, such as your name, address, and contact details.
Enter your employment information, such as your employer's name and your income.
Upload a copy of your PAN card and a recent passport-sized photograph.
Read and agree to the terms and conditions of the credit card.
Click on the "Submit" button.
An AU Bank representative will contact you to verify your information and to complete the application process.
Contact Details
24/7 toll-free helpline number 1800 1200 1500, non-toll number 0141-7141100, or email at creditcard.support@aubank.in
Account Opening and Procedure of
AU Bank Pratham Credit Card
Product Review of
AU Bank Pratham Credit Card
The card is packed with all kind of benefits. 10% cashback on PhonePe spends is a solid plus point. Overall it is one of the best credit cards in India.
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review of
AU Bank Pratham Credit Card
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
