India's most rewarding UPI Credit Card
Spend like always. Earn like never before.
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5% rewardson Paytm Travel Bookings
5% rewardson Paytm Gold purchase
Up to 2% rewardson Paytm UPI spends
1% rewardson recharges, bill payments & more
From chai to check-ins.Earn 24K Gold everywhere.
- 5% rewardson Paytm Travel Bookings
- 5% rewardson Paytm Gold purchase
- Up to 2% rewardson Paytm UPI spends
- 1% rewardson recharges, bill payments & more
Frequently Asked Questions
It's India’s Best UPI co-branded credit card issued by AU Small Finance Bank in partnership with Paytm, built around UPI spending and everyday transactions, with extra rewards on Paytm Travel and Paytm Gold purchases plus airport lounge access.
You can apply directly from the Paytm app. Go to the Credit Card section, check your eligibility instantly, and complete your application online. If additional verification is needed, you may be asked to upload documents in the app.
Primary applicants should be 21–60 years old, a resident of India, and have a stable source of income (salaried or self-employed). Add-on cardholders must be at least 18 years old.
To be eligible, a minimum monthly income of ₹25,000 is required.
Yes — credit score and employment status both factor into the approval decision. A score of 720 or above is generally considered strong for approval odds, though it isn't a stated hard cutoff for this specific card.
No - the Paytm AU Credit Card is a lifetime-free card, with no joining fee and no annual/renewal fee.
Cash Advance Fee: 2.5% of the withdrawal amount or a minimum of ₹500
Late Payment Charges: 15% of the total amount due, ranging from a minimum of ₹10 to a maximum of ₹1,300
Overlimit Fee: 2.5% of the overlimit amount (minimum ₹500)
Foreign Currency Markup: Up to 3.5% plus applicable taxes on international transactions
You earn up to 2% reward points on UPI Payments via Paytm app, 5% reward points on travel bookings (bus, train & flight) and 5% reward points on buying digital gold via Paytm app. 1 Rewards Point = ₹1
Yes. You get complimentary airport lounge access with every eligible flight booking. This is a family lounge program, so your family members traveling with you can enjoy the lounge too, with up to 4 lounge visits per booking.
To qualify, book a round-trip flight worth ₹5,000 or more through Paytm Travel on the Paytm app. You can get up to 12 complimentary lounge visits in a year.
Yes - a 1% fuel surcharge waiver at fuel stations across India.
You can convert your reward points into 24K digital gold on the Paytm app in a single tap. Every reward point is worth ₹1 of 24K digital gold, so 100 points gets you ₹100 worth of 24K gold.
To apply, only your Aadhaar and PAN cards are required; however, the bank may ask for income verification documents in select cases.
The entire application is digital, so you can apply in minutes on the Paytm app and know your eligibility instantly. Once you apply, the bank verifies your details before approving your card. Most applications are processed within 7 to 10 days.
Within the Credit Card section of the Paytm app.
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