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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Verified — 16/16 categories
AU

Prathama

Best forInsurance & Utilities
Earns1 RP/₹100 RP/₹100 on insurance
1st Year / Joining Fee
₹500 + taxes
Renewal Fee
Not recorded
Fee waiver
₹1,50,000
annual spend
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 1 RP/₹100 RP/₹100
  • Annual fee is waived at ₹1,50,000 yearly spend

How you earn

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

Insurance1 RP/₹100 RP/₹100
Utilities1 RP/₹100 RP/₹100
Groceries1 RP/₹100 RP/₹100
Dining1 RP/₹100 RP/₹100
Food Delivery1 RP/₹100 RP/₹100
All 16 reward categories · 16 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).
Insurance1 RP/₹100 RP/₹10025,000 RP per statementAU Prathama: 1 RP/₹100 base retail
Details
Status
Verified
Source
SRC-AU-04
Issuer note
AU Prathama: 1 RP/₹100 base retail; 2 RP/₹100 contactless or incremental above ₹5k spend.
Utilities1 RP/₹100 RP/₹10025,000 RP per statementAU Prathama: 1 RP/₹100 base retail
Details
Status
Verified
Source
SRC-AU-04
Issuer note
AU Prathama: 1 RP/₹100 base retail; 2 RP/₹100 contactless or incremental above ₹5k spend.
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.
Groceries1 RP/₹100 RP/₹10025,000 RP per statementAU Prathama: 1 RP/₹100 base retail
Details
Status
Verified
Source
SRC-AU-04
Issuer note
AU Prathama: 1 RP/₹100 base retail; 2 RP/₹100 contactless or incremental above ₹5k spend.
Dining1 RP/₹100 RP/₹10025,000 RP per statementAU Prathama: 1 RP/₹100 base retail
Details
Status
Verified
Source
SRC-AU-04
Issuer note
AU Prathama: 1 RP/₹100 base retail; 2 RP/₹100 contactless or incremental above ₹5k spend.
Food Delivery1 RP/₹100 RP/₹10025,000 RP per statementAU Prathama: 1 RP/₹100 base retail
Details
Status
Verified
Source
SRC-AU-04
Issuer note
AU Prathama: 1 RP/₹100 base retail; 2 RP/₹100 contactless or incremental above ₹5k spend.
Shopping1 RP/₹100 RP/₹10025,000 RP per statementAU Prathama: 1 RP/₹100 base retail
Details
Status
Verified
Source
SRC-AU-04
Issuer note
AU Prathama: 1 RP/₹100 base retail; 2 RP/₹100 contactless or incremental above ₹5k spend.
Travel1 RP/₹100 RP/₹10025,000 RP per statementAU Prathama: 1 RP/₹100 base retail
Details
Status
Verified
Source
SRC-AU-04
Issuer note
AU Prathama: 1 RP/₹100 base retail; 2 RP/₹100 contactless or incremental above ₹5k spend.
GovernmentNot eligible—AU Credit Card Member Agreement §23.5.1: "Rent, Education & Govt and BBPS transactions will not be eligible for Reward Points" (card family named in the §23.5 capping table with no Government category allowance)
Details
Status
Verified — not eligible
Issuer note
AU Credit Card Member Agreement §23.5.1: "Rent, Education & Govt and BBPS transactions will not be eligible for Reward Points" (card family named in the §23.5 capping table with no Government category allowance). Product-page V8 record previously showed 1 RP/₹100.
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Wallet reload earns no reward points.
Railways1 RP/₹100 RP/₹10025,000 RP per statementAU Prathama: 1 RP/₹100 base retail
Details
Status
Verified
Source
SRC-AU-04
Issuer note
AU Prathama: 1 RP/₹100 base retail; 2 RP/₹100 contactless or incremental above ₹5k spend.
FASTag1 RP/₹100 RP/₹10025,000 RP per statementAU Prathama: 1 RP/₹100 base retail
Details
Status
Verified
Source
SRC-AU-04
Issuer note
AU Prathama: 1 RP/₹100 base retail; 2 RP/₹100 contactless or incremental above ₹5k spend.
Jewellery1 RP/₹100 RP/₹10025,000 RP per statementAU Prathama: 1 RP/₹100 base retail
Details
Status
Verified
Source
SRC-AU-04
Issuer note
AU Prathama: 1 RP/₹100 base retail; 2 RP/₹100 contactless or incremental above ₹5k spend.
Telecom1 RP/₹100 RP/₹10025,000 RP per statementAU Prathama: 1 RP/₹100 base retail
Details
Status
Verified
Source
SRC-AU-04
Issuer note
AU Prathama: 1 RP/₹100 base retail; 2 RP/₹100 contactless or incremental above ₹5k spend.

“—” 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
₹500 + taxes
Renewal Fee
Not recorded
Fee waiver
₹1,50,000
annual spend
Reward caps
  • All — 25,000 RP / statement (aggregate (all categories))

Key benefits

Rewards
1 RP/₹100 RP/₹100 on insurance
Milestone benefit
Incremental 2 RP/₹100 on statement spend exceeding ₹5,000 (max 1,000 RP)
Fee waiver
Annual fee waived on ₹1,50,000 annual spend

Important to know

Limits and exclusions that change what you earn.

  • All rewards are capped at 25,000 RP / statement (aggregate (all categories))
  • No reward on: Rent, Education, Fuel, Wallet
  • Not eligible: Government

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in insurance, utilities, groceries
  • You can reach the ₹1,50,000 annual spend that waives the fee
△ Less useful if
  • Much of your spending is in rent, education, fuel, which earn nothing
  • You cannot reach the fee-waiver spend and would pay the annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 5 no-reward categories
Caps
  • All — 25,000 RP / statement (aggregate (all categories))
Categories with no reward or not eligible
  • Rent — No reward.
  • Education — No reward.
  • Fuel — No reward.
  • Government — Not eligible. AU Credit Card Member Agreement §23.5.1: "Rent, Education & Govt and BBPS transactions will not be eligible for Reward Points" (card family named in the §23.5 capping table with no Government category allowance).
  • Wallet — No reward.
Milestones · 1 recorded
  • Milestone — Incremental 2 RP/₹100 on statement spend exceeding ₹5,000 (max 1,000 RP).
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 · 4 areas

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

  • • 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: All 16 categories verified

Card record last checked: 2026-09-23

Documents used
AU Small Finance Bank — Prathama Official Product Documentation · SRC-AU-04 · 2026-09-23
Current May 2026 cardmember agreement; Zenith+ special-category caps/rules · SRC-24
Prathama₹500 1st year