By Kartik Kanwar
Updated On October 13, 2023

Digital payments are now frequent for us all and getting more and more important each day. With this, RuPay Credit Cards are getting a lot of attention. AU Bank presents us with two such cards -Insta Pay Virtual Credit Card and Business Cashback Credit Card. You can make UPI spends with these two cards and earn cashback. Loaded with features, these cards provide extreme convenience in today’s time, as all you have to do to make a payment is scan a QR code.

Both of these credit cards were launched in 2023 and offer a range of rewards and benefits. With low joining fees and great cashback rewards, these cards are an attractive option. They are on the domestic RuPay network, which ensures the safety and security of all transactions. Currently, only RuPay Credit Cards can be added to UPI apps, making these cards even more essential in today’s world. Read on to learn more about the AU Bank RuPay Credit Cards.

AU-Bank-RuPay-Credit-Cards
Table of Contents

List of All AU Bank RuPay Credit Cards

AU-Bank-InstaPay-Credit-Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

N/A

AU Bank Business Cashback Rupay Credit Card

(4.5/5)

Fees

Joining Fee

Rs. 99 per month

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

NA

Compare Top Features of AU Bank RuPay Credit Cards

Features AU Bank InstaPay Credit Card AU Bank Business Cashback Rupay Credit Card
Joining Fee Nil Rs. 99 Per Month
Renewal Fee Nil N/A
Best Suited For Shopping Shopping
Reward Type Cashback Cashback
Movie & Dining 1% Cashback on UPI Spends Made on Dining Up to 30% Off With the Silver Spoon Dining Program
Rewards Rate 1% Direct Cashback on UPI Spends 1% Cashback, Up to Rs. 1000 Per Statement Cycle
Rewards Redemption Fee N/A N/A
Fuel Surcharge Waiver N/A On UPI Spends 1% Fuel Surcharge Waiver on Transactions Between 400 and 5,000.
Railway Lounge Access N/A 8 Per Annum

More Information About AU Bank RuPay Credit Cards

Here is some detailed information about the RuPay Credit Cards by AU Bank.

AU Bank InstaPay Virtual Credit Card

Earn cashback on UPI transactions with AU Bank InstaPay Virtual Credit Card. This credit card lets you make UPI transactions with ease without having to physically carry your credit card. You can now pay for your expenses from your smartphone. Being a lifetime free credit card, this is a must-have for those who are looking to start their credit card journey or for cardholders who want to earn instant cashback on their UPI spends. With UPI transactions becoming the norm, this credit card is highly beneficial as it offers 1% cashback on UPI spends made on dining, supermarkets, departmental stores, and groceries. The AU Bank InstaPay Credit Card allows you to make payments effortlessly through a QR code wherever you are. This is a lifetime free credit card. 

AU Bank Business Cashback Rupay Credit Card

AU Small Finance Bank has recently launched a new credit card in partnership with RuPay, exclusively designed for self-employed individuals and MSMEs (micro, small, and medium enterprises) called the Business Cashback RuPay credit card. This credit card is an ideal solution for businesses as it charges only Rs. 99 per month as a membership fee and offers many benefits such as 1% cashback, instant loans, fire, housebreaking, burglary insurance, and more. Although it is meant for business spending and not personal use, it still provides many travel, cashback, and lifestyle privileges. You also get complimentary railway lounge access with this card. AU Bank aims to simplify business processes and provide cash flow to grow businesses for its customers. Using this card, MSMEs can conveniently manage recurring monthly expenses, urgent spends, etc., while earning cashback. This credit card is one of the best choices for self-employed individuals and small businesses to meet their needs and requirements.

Benefits of AU Bank RuPay Credit Cards

From ease of making transactions to earning cashback, there are many benefits of linking your RuPay Credit Card to UPI. Here are a few benefits of AU Bank RuPay Credit Cards.

You can link your RuPay Credit Card to the choice of your UPI App and easily make expenditures through your mobile phones.

Make Transactions 24/7

By linking your AU Bank RuPay Credit Card to your UPI, you can make transactions anytime, anywhere, unlike traditional banking methods.

Instant & Secure Payments

You can make instant and secure payments with your AU Bank RuPay Credit Cards. 

Cashback and Rewards

Earn great cashback with your AU Bank RuPay Credit Cards. This is also applicable to UPI spends.

Eligibility for AU Bank RuPay Credit Cards

Only those individuals who fulfil the following criteria are eligible for an AU Bank RuPay Credit Card.

  • Must be a citizen of India,
  • A good credit score is needed,
  • A stable monthly income,
  • Should be above the age of 21 and below the age of 65.

How to Apply for AU Bank RuPay Credit Cards?

Now that you have been acquainted with all the fees, features and benefits of both the AU Bank RuPay Credit Card, you can apply for the card of your choice. To apply for an AU Bank RuPay Credit Card, follow these steps-

  • Select the card most suited to your needs.
  • Click on the Apply Now button on your screen.
  • Fill in a few of your particulars like name, mobile number, etc.
  • After completing the steps mentioned above, your application will have been successfully submitted for consideration.

Bottom Line

AU Bank currently has two credit cards on the RuPay network. While the AU Bank InstaPay Credit Card is suited most for personal use, the AU Bank Business Cashback Credit Card is designed for business use. Opt for one of these RuPay Credit Cards and start making UPI spends simply by scanning a QR code. Making payments has been made very convenient with the linking of your Rupay Credit Card to UPI.

Tell us your views about the RuPay Credit Card offerings by AU Banks in the comments below.

FAQs:

AU Bank has two RuPay Credit Cards – the InstaPay RuPay Credit Card and the Business Cashback RuPay Credit Card.

Simply open the UPI application of your choice and link your AU Bank RuPay Card to it. You can then set your UPI pin and start making spends with it.