Paytm and AU Small Finance Bank have introduced a lifetime-free RuPay credit card that offers rewards on eligible Paytm UPI transactions, travel bookings and Paytm Gold purchases. The card also includes complimentary airport lounge access for families travelling on eligible flights booked through Paytm.
The card comes with no joining fee or annual fee. Its benefits combine everyday payment rewards with travel-related perks, allowing eligible customers to earn rewards on selected transactions and redeem points for Paytm Gold, vouchers, bill payments and other benefits.
Yogesh Jain, Deputy CEO of AU Small Finance Bank, said the card aims to provide value through rewards on UPI payments, travel and gold purchases, along with features such as family lounge access.
Paytm AU SFB Credit Card: Key Benefits and Rewards
The new credit card offers different reward rates depending on the type of eligible transaction.
- Paytm UPI payments: Up to 2% rewards on eligible spending, including groceries and cab rides.
- Paytm Travel bookings: 5% rewards.
- Paytm Gold purchases: 5% rewards.
- Joining and annual fees: None; the card is lifetime free.
- Card network: RuPay.
Reward points can be redeemed for Paytm Gold at a rate of ₹1 per point. Customers can also use their points for vouchers, bill payments and other available redemption options.
The rewards offered may depend on transaction eligibility and the card’s applicable terms and conditions.
Family Airport Lounge Access: Up to 12 Visits Annually
One of the card’s main features is complimentary airport lounge access for families. According to Paytm’s announcement, the card allows up to four family members to access lounges together on eligible round-trip flights booked through Paytm.
Cardholders can receive up to 12 complimentary lounge visits per year, subject to the applicable eligibility requirements. Entry is QR-based, so customers do not need to present a physical credit card for lounge access.
Paytm said the family-oriented feature is intended to make travel benefits more useful for people travelling together. A company spokesperson also highlighted the combination of lounge access and rewards on everyday Paytm UPI transactions.
Paytm AU SFB Credit Card Benefits at a Glance
| Feature | Details |
|---|---|
| Card network | RuPay |
| Joining fee | None |
| Annual fee | None |
| Eligible Paytm UPI spending | Up to 2% rewards |
| Paytm Travel bookings | 5% rewards |
| Paytm Gold purchases | 5% rewards |
| Reward redemption | Paytm Gold at ₹1 per point, vouchers, bill payments and other benefits |
| Family lounge access | Up to four family members on eligible round-trip flights booked through Paytm |
| Complimentary lounge visits | Up to 12 per year |
| Lounge entry | QR-based |
How to Apply for the Paytm AU SFB Credit Card
Customers can apply through the Paytm app by following these steps:
- Open the Paytm app and search for “Credit Card.”
- Select the “Get Credit Card” option.
- Find and choose the Paytm AU SFB Credit Card from the available options.
- Tap “Apply Now” and enter the required details.
- Complete the KYC and verification process.
- Submit the application and track its status through the app.
Applicants should review the eligibility criteria, reward conditions, lounge-access rules and other terms before submitting their application.
Disclaimer: This article is intended for general informational purposes only and should not be considered financial advice or an endorsement of any credit product. Benefits, reward rates, eligibility criteria and redemption conditions may change. Please check the official Paytm and AU Small Finance Bank terms before applying for the card or making financial decisions.