Paytm AU RuPay Credit Card: Rewards, Lounge Access and Fees Explained

Paytm AU RuPay Credit Card: With this partnership, Paytm and AU Small Finance Bank are introducing their newest offering, ‘Paytm AU SFB Credit Card’. This lifetime-free (RuPay) credit card provides rewards on your every-day UPI payments as well as travel perks and complimentary airport lounge facilities for you & your family.

This Paytm Credit Card has been announced on Oct-21-2026 having no joining/annual fee on board. You can also get up to 2% rewards on all eligible Paytm UPI transactions & 5% rewards on eligible Paytm Travel bookings & Paytm Gold purchases on this credit card. So if you’re a regular user of Paytm Ecosystem, then this may be the best credit card option for you.

Paytm AU RuPay Credit Card: Key Benefits

This credit card mainly focuses on the day-to-day expenses of consumers instead of some perks that are exclusive to a premium lifestyle. Let us go through its key features below:

• Zero joining & annual fee: As you have already guessed by now, this is a lifetime-free card, there won’t be any joining or annual fee.
• Up to 2% rewards on Paytm UPI: Every transaction at Paytm (including those at everyday merchants) is eligible for reward points.
• Earn 5% on travel and gold: You will earn faster when you book with Paytm via Paytm Travel, pay using Paytm Gold or make Gold purchases.
• Get up to 12 complimentary lounge visits per year: Up to 4 family members who are traveling together get free access to participating airline lounges annually if they fly on qualifying flights booked on Paytm.
• Access participating lounges by simply scanning your QR code: To enter lounge facilities of partner airlines easily, you’ll be able to scan your QR code instead of physically holding your credit card at the point-of-entry.

You may choose to redeem your points towards Paytm Gold (rate-₹1 per point) and also explore your other option of reward redemptions.

What Makes This Feature Unique Regarding Family Lounge Access?

Airport lounges are one of the most sought-after benefits among credit cards. However, they come with some constraints too such as limited number of visits or guest or minimum spend requirements.

The Paytm AU SFB Credit Card puts family travel at the centre of its proposition. It allows up to four family members to access participating airport lounges together, with a total allowance of up to 12 complimentary visits per year.

The benefit is linked to eligible round-trip flight bookings made through Paytm. Therefore, travellers should verify the booking conditions and lounge eligibility before assuming that every flight or visit will qualify.

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How Much Reward Can Cardholders Earn?

Rewards vary depending upon where you spend:

• Paytm UPI transactions: Up to 2% rewards for eligible spends.
• Paytm Travel bookings: 5% rewards for eligible bookings.
• Gold Purchases: Get 5% rewards on Paytm Gold Purchases for all your eligible purchases.

How to Apply for the Paytm AU Small Finance Bank Credit Card?

To know about availability of this card and book it please download the Paytm App and search for ‘Credit Card’

1. Open your Paytm app

2. Search “Credit Card”

3. Select ‘Get Credit Card’.

4. Choose Paytm AU SFB Credit Card if available.

5. Tap Apply Now and fill in your details.

6. Complete the KYC and verification process

7. Submit your application & track its status using our App

Your approval depends on AU Small Finance Bank’s eligibility criteria & verification process.

Should You Consider?

This credit card would be ideal for those who do many of these things making UPI transactions on Paytm regularly, buying Paytm Gold, booking flights via Paytm Travel etc.

Those with family members traveling together might appreciate the benefit of having lounge access as well.

But if you mostly use other UPI applications or only book flights from other platforms, then this can get complicated since there could be multiple options available to consider.

Finally, it’s important to understand that the term “lifetime free” doesn’t necessarily imply anything and all your transactions will have their own charges irrespective of being mandatory or optional.