Digital payments are now frequent for us all and are getting more and more important and common each day. With this, RuPay Credit Cards are getting a lot of attention. AU Bank presents us with many cards that can be linked to various UPI applications like GooglePay, PhonePe, etc. You can make UPI spends with these 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 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.
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Here are some of the top RuPay Credit Cards offered by AU Bank.
5 Reward Points Per ₹200 On Online, Offline & UPI Transactions (Reward Rate – 1.25%)
1,000 RPs and ₹1,000 ixigo Money Voucher on First Transaction Within 30 Days of Card Issuance
1% direct cashback on UPI spends across departmental stores, groceries, pharmacies, and supermarkets
N/A
1% Cashback on All UPI Spends (Up to Rs. 500)
N/A
2 Reward Points per ₹200 Spent on Dining, Travel, and International Transactions, Offering a Reward Rate of Up to 2%. Other Eligible Spends Earn 1 Reward Point per ₹100 Spent, Offering a 1% Reward Rate
Luxury Gift Vouchers or Reward Points Worth ₹5,000
Here is a comparison of some of the top features of an AU RuPay Credit Card.
| Features | AU Bank InstaPay Credit Card | ixigo AU Credit Card |
| Joining/Renewal Fee | Nil | Nil |
| Best Suited For | Shopping | Travel |
| Reward Type | Cashback | Reward Points |
| Movie & Dining | 1% Cashback on UPI Spends Made on Dining | N/A |
| Rewards Redemption Fee | N/A | ₹99 + GST |
| Railway Lounge Access | N/A | 8 Complimentary Visits Each Year |
Here is some detailed information about the RuPay Credit Cards by AU Bank.
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 carry your credit card physically. 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 Small Finance Bank, in partnership with ixigo, launched its first co-branded travel credit card, the ixigo AU Credit Card. Specially made for travelers, this card offers a variety of perks, including complimentary domestic and international airport lounge access, as well as railway lounge access. With the ability to earn accelerated Reward Points on train bookings and discounts on flights, hotels, and buses, the ixigo AU Credit Card is designed to help frequent travelers maximize their savings and enhance their travel experience. For a limited time, it is available with no joining fee, making it an attractive option for budget-conscious travelers.
The AU Spont Credit Card is a budget-friendly option for people looking for small, everyday spending benefits, especially through UPI payments. It offers 1% cashback on UPI transactions, capped at ₹500 per month, meaning you need to spend ₹50,000 in a month to get the full cashback. The card also gives users 2 free railway lounge visits every quarter and free airport lounge access after spending ₹30,000 in the previous quarter. With a low joining fee of ₹299, this card is suitable for individuals with a monthly income of over ₹10,000 and is a solid choice for those new to 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 UPI app of your choice and easily make expenditures through your mobile phones.
By linking your AU Bank RuPay Credit Card to your UPI, you can make transactions anytime, anywhere, unlike traditional banking methods.
You can make instant and secure payments with your AU Bank RuPay Credit Cards.
Earn great cashback with your AU Bank RuPay Credit Cards. This is also applicable to UPI spends.
Only those individuals who fulfill the following criteria are eligible for an AU Bank RuPay Credit Card.
Now that you have been acquainted with all the fees, features, and benefits of 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-
AU Bank currently offers multiple cards on the RuPay network. While the AU Bank InstaPay Credit Card is best suited for personal use, the AU ixigo is designed for travel spending. Opt for one of these RuPay Credit Cards and start making UPI spends simply by scanning a QR code. Payments have been made very convenient by linking your Rupay Credit Card to UPI. Remember, you can only make merchant payments on the UPI applications, and you cannot send money to individuals. Tell us your views about the RuPay Credit Card offerings by AU Banks in the comments below.
AU Bank offers a few RuPay Credit Cards: the InstaPay RuPay, ixigo AU, 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.