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Paytm AU Credit Card
Rewards & Benefits
Welcome Benefits
None
Milestone Benefits
None
Cashback Rate
Value of 1 reward point is INR 1 when redeemed as Paytm Gold on the Paytm app.
Users will get 2 reward points on spends of every INR 100 on Paytm UPI Scan & Pay for transaction values between INR 100 and INR 2,000.
Paytm UPI Cashback Rate: 2%.
Users will get 1 reward point per INR 100 on Paytm UPI Scan & Pay for transaction values above INR 2,000.
Paytm UPI (above INR 2,000) Cashback Rate: 1%.
Users will get 1 reward point on spends of every INR 400 on UPI transactions via other (non-Paytm) UPI apps.
Other UPI Apps Cashback Rate: 0.25%.
Users will get 5 reward points on spends of every INR 100 on Paytm Travel and Paytm Gold.
Paytm Travel & Gold Cashback Rate: 5%.
Users will get 1 reward point on all online spends per INR 100.
Online Cashback Rate: 1%.
Users will get 1 reward point on all offline spends per INR 100.
Offline Cashback Rate: 1%.
Users will get 1 reward point on Paytm utility bill payments per INR 100 via the Paytm app.
Utility Cashback Rate: 1%.
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).
Lifetime free credit card.
Lounge Access
12 Free domestic airport lounge visits if the cardholder has booked round trip using Paytm, value of round trip should be atleast INR 5,000.
Rewards & Benefits
Welcome Benefits
None
Milestone Benefits
None
Cashback Rate
Value of 1 reward point is INR 1 when redeemed as Paytm Gold on the Paytm app.
Users will get 2 reward points on spends of every INR 100 on Paytm UPI Scan & Pay for transaction values between INR 100 and INR 2,000.
Paytm UPI Cashback Rate: 2%.
Users will get 1 reward point per INR 100 on Paytm UPI Scan & Pay for transaction values above INR 2,000.
Paytm UPI (above INR 2,000) Cashback Rate: 1%.
Users will get 1 reward point on spends of every INR 400 on UPI transactions via other (non-Paytm) UPI apps.
Other UPI Apps Cashback Rate: 0.25%.
Users will get 5 reward points on spends of every INR 100 on Paytm Travel and Paytm Gold.
Paytm Travel & Gold Cashback Rate: 5%.
Users will get 1 reward point on all online spends per INR 100.
Online Cashback Rate: 1%.
Users will get 1 reward point on all offline spends per INR 100.
Offline Cashback Rate: 1%.
Users will get 1 reward point on Paytm utility bill payments per INR 100 via the Paytm app.
Utility Cashback Rate: 1%.
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).
Lifetime free credit card.
Lounge Access
12 Free domestic airport lounge visits if the cardholder has booked round trip using Paytm, value of round trip should be atleast INR 5,000.
Fees & Charges of
Paytm AU Credit Card
Joining Fee
INR 0
Annual Fee
INR 0
Cash Advance Fee
2.5% of amount withdrawn, subject to a minimum of INR 100.
Interest rate
3.49% per month (41.88% annually)
Late Payment Fee
15% of the due amount ranging from INR 0 to INR 1300 for outstanding amount.
Foreign Currency Transactions Fee
3.49% per month
Other Fees
None.
Joining Fee
INR 0
Annual Fee
INR 0
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
3.49% per month (41.88% annually)
Late Payment Fee
15% of the due amount ranging from INR 0 to INR 1300 for outstanding amount.
Foreign Currency Transactions Fee
3.49% per month
Other Fees
None.
Fee and Charges of
Paytm AU Credit Card
Special Features
None.
Eligibility Criteria
Age: age over 21.
Residence: reside in an AU Bank serviceable area.
Speical Feature, Eligibility and Benefits of
Paytm AU Credit Card
How to apply for Credit Card?
Here are the steps on how to apply for an Paytm AU Credit Card:
Go to the AU Bank website and click on the "Apply for Credit Card" tab.
Select the Paytm AU 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
Paytm AU Credit Card
Product Review of
Paytm AU 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
Paytm AU 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
