AU Prathama Credit Card vs AU Tejas Credit Card
Calculate exact net annual returns in ₹ after fee waivers, milestone rewards, categories, and caps. Card terms verified 2026-07.
Quick Key Takeaways & Fact Summary
- Overall Winner: AU Prathama Credit Card earns higher net annual returns at standard spend tiers.
- Annual Fee: AU Prathama Credit Card (₹100/yr) vs AU Tejas Credit Card (₹500/yr).
- Base Reward Rate: AU Prathama Credit Card (1 pts/₹100) vs AU Tejas Credit Card (1 pts/₹100).
- Lounge Access: AU Prathama Credit Card (0 dom) vs AU Tejas Credit Card (0 dom).
Interactive Net Returns Calculator
Adjust spend profiles to compare total net value, annual fee waivers, category earnings, and milestone bonuses.
Your Monthly Spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
1AU Small Finance Bank · fee waived
2AU Small Finance Bank · fee waived
Smart verdict
Get the AU Prathama Credit Card — it earns you +₹90/yr over the AU Tejas Credit Card, mostly from your other / offline spend.
It flips to the AU Tejas Credit Card if that drops to about ₹0/mo.
How Your Spends Convert to Rewards
Live calculation breakdown for AU Prathama Credit Card
| Spend Category | Monthly Spend | Reward Rate | Points Earned | Monthly Value | Annual Value | Status / Caps |
|---|---|---|---|---|---|---|
Other Online Shopping | ₹6,000/mo | 1 Pts / ₹100 | 60 pts720 pts/yr | ₹15 | ₹180/yr | Active Earn |
Amazon Spends | ₹3,500/mo | 1 Pts / ₹100 | 35 pts420 pts/yr | ₹9 | ₹105/yr | Active Earn |
Flipkart Spends | ₹2,000/mo | 1 Pts / ₹100 | 20 pts240 pts/yr | ₹5 | ₹60/yr | Active Earn |
Dining & Food Delivery | ₹5,000/mo | 1 Pts / ₹100 | 50 pts600 pts/yr | ₹13 | ₹150/yr | Active Earn |
Groceries | ₹7,000/mo | 1 Pts / ₹100 | 70 pts840 pts/yr | ₹18 | ₹210/yr | Active Earn |
Fuel | ₹4,000/mo | 1 Pts / ₹100 | 40 pts480 pts/yr | ₹50(incl. ₹40 waiver) | ₹600/yr | Fuel Waiver Stacked |
Utilities & Bills | ₹4,000/mo | 1 Pts / ₹100 | 40 pts480 pts/yr | ₹10 | ₹120/yr | Active Earn |
Travel (Flights/Hotels) | ₹4,000/mo | 1 Pts / ₹100 | 40 pts480 pts/yr | ₹10 | ₹120/yr | Active Earn |
Rent | ₹10,000/mo | 1 Pts / ₹100 | 100 pts1,200 pts/yr | ₹25 | ₹300/yr | Active Earn |
Insurance | ₹1,500/mo | 1 Pts / ₹100 | 15 pts180 pts/yr | ₹4 | ₹45/yr | Active Earn |
Other / Offline | ₹3,000/mo | 2 Pts / ₹100 | 60 pts720 pts/yr | ₹15 | ₹180/yr | Active Earn |
Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
Card features side by side
Use the table for product rules; use the calculator above for value based on your actual spending.
| Feature | AU Prathama Credit CardAU Small Finance Bank | AU Tejas Credit CardAU Small Finance Bank |
|---|---|---|
| Joining fee | ₹100 | ₹500 |
| Annual fee | ₹100/yr | ₹500/yr |
| Fee waiver | Spend ₹75,000/yr | Spend ₹1,50,000/yr |
| Base reward | 1 pts / ₹100 | 1 pts / ₹100 |
| Top reward categories | 2x other | 1x other (higher rate at select merchants only) |
| Redemption friction | Moderate | Easy |
| Point expiry | Never expire | Never expire |
| Lounge access | None | None |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge | 1% waiver, up to ₹100/mo | 1% waiver, up to ₹100/mo |
| Min income · salaried | Not stated | Not stated |
| Min income · self-employed | Not stated | Not stated |
| Eligibility (as stated) | Not published by bank | Not published by bank |
| Recent devaluations | None recorded | None recorded |
| Verified against | Updated 2026-07Official AU Small Finance Bank Credit Card Page | Updated 2026-07Official AU Small Finance Bank Credit Card Page |
Verdict at a Glance
Choose AU Prathama Credit Card if your monthly spending is focused on other.
Choose AU Tejas Credit Card if you spend heavily on other.
AU Prathama Credit Card vs AU Tejas Credit Card Spend Tier Breakdown
Simulated net annual returns across typical Indian monthly spending profiles.
AU Prathama Credit Card
At ₹25,000/month, AU Prathama Credit Card nets ₹1,095/yr vs AU Tejas Credit Card at ₹1,050/yr — a ₹45 edge.
AU Prathama Credit Card
At ₹50,000/month, AU Prathama Credit Card nets ₹2,070/yr vs AU Tejas Credit Card at ₹1,980/yr — a ₹90 edge.
AU Prathama Credit Card
At ₹1,00,000/month, AU Prathama Credit Card nets ₹4,050/yr vs AU Tejas Credit Card at ₹3,720/yr — a ₹330 edge.
* Spend tier verdicts use standard category splits (cashback redemption mode). Actual net value depends on your specific spending categories.
Frequently Asked Questions
Which is better, AU Prathama Credit Card or AU Tejas Credit Card?▼
At a typical ₹50,000/month spend (cashback redemption), AU Prathama Credit Card comes out ahead by about ₹90 per year, driven mostly by other / offline spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, AU Prathama Credit Card or AU Tejas Credit Card?▼
AU Prathama Credit Card earns 1 pts/₹100 as a base, while AU Tejas Credit Card earns 1 pts/₹100. Check the accelerated online/Amazon/Flipkart rates and monthly caps in the table above, since caps often decide the winner for heavy online spenders.
What are the annual fees for AU Prathama Credit Card and AU Tejas Credit Card?▼
AU Prathama Credit Card: ₹100 + GST per year, waived on ₹75,000 annual spend. AU Tejas Credit Card: ₹500 + GST per year, waived on ₹1,50,000 annual spend.
Do AU Prathama Credit Card and AU Tejas Credit Card earn rewards on rent, fuel and utilities?▼
Like most Indian cards, several everyday categories are excluded. AU Prathama Credit Card excludes none noted; AU Tejas Credit Card excludes none noted. The calculator shows these as ₹0 earners so your net value stays honest.
Is AU Tejas Credit Card ever the better pick over AU Prathama Credit Card?▼
Yes. Holding other spends constant, AU Tejas Credit Card overtakes once your other / offline spend falls to roughly ₹0/month. Below that point the fee and base-rate maths flip in its favour.