AU Prathama Credit Card – 5X Rewards, BOGO Movies & Lounge Access

Best For

Shopping

Online Food Ordering

Grocery Shopping

Joining/Annual Fees

Joining Fees

₹117 ( ₹99 + GST )

Not Applicable

Annual Fees

₹118 ( ₹100 + GST )

Spend ₹10,000 within first 90 days of card setup to get 1st year annual fee waived

Eligibility

Age Criteria

21-60 years

Salary Criteria

3 LPA

Credit Rating*

720+

See if you are eligible for this card

How to redeem?

Rewards Conversion Rate

₹0.25

Redemption Options

Vouchers
Flights & Hotel Booking
Merchandise

To check redemption catalogue

All Card Benefits

All Benefits

Earn 5 RP / ₹100 on grocery, departmental stores & contactless spends
2 RP / ₹100 on all other eligible spends
up to 15% off on Amazon Grocery/Now and Zomato
monthly BOGO movie via District
8 domestic lounge visits/year on quarterly spend milestone

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Fuel

Rent

Wallet

Cash advance

EMI

Government Spends

Insurance

For Spends Waiver

Fuel

Rent

Wallet

Cash advance

EMI

Government Spends

Insurance

Bank Fee Structure

Structure	Details
Forex Markups 3.49% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.49 ₹1,000 → ₹34.90 ₹10,000 → ₹349 ₹1,00,000 → ₹3,490	3.49%
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid	3.75%
ATM Withdrawl 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)	2.5%
Reward Redemption Fees ₹99 redemption fee per redemption	₹99
Link for all T&Cs	Click Here
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets	1%
Rent Payment Fees No fee is levied on domestic rental transactions made using the credit card. International rental transactions attract 1% of the transaction value, subject to a minimum of ₹99 per transaction	1%
Cheque Payment Fees A fee of 2% of the payment amount or ₹500	2%
Cash Payment Fees No fee is charged for credit card bill payment through Cash Deposit mode	Not Applicable

Late Payment Fees Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared	Amount Due
₹0 - ₹500	₹0
₹501 - ₹1,000	₹400
₹1,001 - ₹10,000	₹750
₹10,001 - ₹25,000	₹950
₹25,001 - ₹50,000	₹1100
Above ₹50,000	₹1300