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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Research coverage — 15/16 categories
AU

Paytm AU

Best forInsurance & Utilities
Earns2 RP/₹100 RP/₹100 on insurance
1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Network
Not recorded

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on insurance and utilities, where it earns 2 RP/₹100 RP/₹100
  • No annual fee

How you earn

Reward rates at a glance — exactly as recorded for this card.

Insurance2 RP/₹100 RP/₹100
Utilities2 RP/₹100 RP/₹100
Groceries2 RP/₹100 RP/₹100
Dining2 RP/₹100 RP/₹100
Food Delivery2 RP/₹100 RP/₹100
All 16 reward categories · 15 of 16 categories verified
CategoryRateCapCondition
RentNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Rent (MCC 6513) earns no reward points. 1% fee (min ₹99) applies.
EducationNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Education earns no reward points. Direct school/college POS/web no fee; third-party apps 1% fee (min ₹99).
Insurance2 RP/₹100 RP/₹100—Paytm AU: 1% base rewards (2 RP/₹100) on general Insurance
Details
Status
Verified
Source
SRC-AU-PAYTM
Issuer note
Paytm AU: 1% base rewards (2 RP/₹100) on general Insurance; up to 5% on Paytm app; 2% on Paytm UPI.
Utilities2 RP/₹100 RP/₹100—Paytm AU: 1% base rewards (2 RP/₹100) on general Utilities
Details
Status
Verified
Source
SRC-AU-PAYTM
Issuer note
Paytm AU: 1% base rewards (2 RP/₹100) on general Utilities; up to 5% on Paytm app; 2% on Paytm UPI.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Fuel transactions do not earn reward points. 1% surcharge waiver applies on eligible transactions.
Groceries2 RP/₹100 RP/₹100—Paytm AU: 1% base rewards (2 RP/₹100) on general Groceries
Details
Status
Verified
Source
SRC-AU-PAYTM
Issuer note
Paytm AU: 1% base rewards (2 RP/₹100) on general Groceries; up to 5% on Paytm app; 2% on Paytm UPI.
Dining2 RP/₹100 RP/₹100—Paytm AU: 1% base rewards (2 RP/₹100) on general Dining
Details
Status
Verified
Source
SRC-AU-PAYTM
Issuer note
Paytm AU: 1% base rewards (2 RP/₹100) on general Dining; up to 5% on Paytm app; 2% on Paytm UPI.
Food Delivery2 RP/₹100 RP/₹100—Paytm AU: 1% base rewards (2 RP/₹100) on general Food Delivery
Details
Status
Verified
Source
SRC-AU-PAYTM
Issuer note
Paytm AU: 1% base rewards (2 RP/₹100) on general Food Delivery; up to 5% on Paytm app; 2% on Paytm UPI.
Shopping2 RP/₹100 RP/₹100—Paytm AU: 1% base rewards (2 RP/₹100) on general Shopping
Details
Status
Verified
Source
SRC-AU-PAYTM
Issuer note
Paytm AU: 1% base rewards (2 RP/₹100) on general Shopping; up to 5% on Paytm app; 2% on Paytm UPI.
Travel2 RP/₹100 RP/₹100—Paytm AU: 1% base rewards (2 RP/₹100) on general Travel
Details
Status
Verified
Source
SRC-AU-PAYTM
Issuer note
Paytm AU: 1% base rewards (2 RP/₹100) on general Travel; up to 5% on Paytm app; 2% on Paytm UPI.
Government——Partially verified
Details
Status
Partially verified
Issuer note
PENDING: AU Credit Card Member Agreement §23.5.1 says Govt transactions earn no Reward Points, but this variant is not named in the agreement capping table or has its own program terms, and its product-page record (previously ELIGIBLE) could not be re-read. Conflict between official sources — not assumed either way.
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Wallet reload earns no reward points.
Railways2 RP/₹100 RP/₹100—Paytm AU: 1% base rewards (2 RP/₹100) on general Railways
Details
Status
Verified
Source
SRC-AU-PAYTM
Issuer note
Paytm AU: 1% base rewards (2 RP/₹100) on general Railways; up to 5% on Paytm app; 2% on Paytm UPI.
FASTag2 RP/₹100 RP/₹100—Paytm AU: 1% base rewards (2 RP/₹100) on general FASTag
Details
Status
Verified
Source
SRC-AU-PAYTM
Issuer note
Paytm AU: 1% base rewards (2 RP/₹100) on general FASTag; up to 5% on Paytm app; 2% on Paytm UPI.
Jewellery2 RP/₹100 RP/₹100—Paytm AU: 1% base rewards (2 RP/₹100) on general Jewellery
Details
Status
Verified
Source
SRC-AU-PAYTM
Issuer note
Paytm AU: 1% base rewards (2 RP/₹100) on general Jewellery; up to 5% on Paytm app; 2% on Paytm UPI.
Telecom2 RP/₹100 RP/₹100—Paytm AU: 1% base rewards (2 RP/₹100) on general Telecom
Details
Status
Verified
Source
SRC-AU-PAYTM
Issuer note
Paytm AU: 1% base rewards (2 RP/₹100) on general Telecom; up to 5% on Paytm app; 2% on Paytm UPI.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Reward caps

No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.

Key benefits

Rewards
2 RP/₹100 RP/₹100 on insurance

Important to know

Limits and exclusions that change what you earn.

  • No reward on: Rent, Education, Fuel, Wallet
  • Partially verified: Government

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in insurance, utilities, groceries
  • You want a card with no annual fee
△ Less useful if
  • Much of your spending is in rent, education, fuel, which earn nothing
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 0 caps · 4 no-reward categories
Caps

No cap recorded.

Categories with no reward or not eligible
  • Rent — No reward.
  • Education — No reward.
  • Fuel — No reward.
  • Wallet — No reward.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to AU's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: Not recorded
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 5 areas

5 areas need further verification. None of these are counted as zero.

  • • Government — partially verified
  • • Lounge benefit — not recorded; check the issuer terms
  • • Fuel surcharge waiver — not recorded; check the issuer terms
  • • Foreign-currency markup — not recorded; check the issuer terms
  • • Payment network — not recorded

Sources & verification

Verification & sources · last checked 2026-09-23

Verification coverage: 15 of 16 categories verified · 1 still being verified

Card record last checked: 2026-09-23

Documents used
AU Small Finance Bank — Paytm AU Official Product Documentation · SRC-AU-PAYTM · 2026-09-23
Paytm AULifetime free