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AU Bank InstaPay Credit Card

Earn cashback while making UPI transactions. With the AU Bank InstaPay Virtual Credit Card, you can easily make UPI transactions. Forget physically carrying your credit card. With the InstaPay Credit Card, you can pay for your spends from your smartphone. Being a lifetime free credit card, this card is a must for all those looking to begin their credit card journey or for cardholders looking to earn instant cashback on their UPI spends.

With UPI transactions a norm, this 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 would allow you to make payments easily through a QR card wherever you go. In today’s time, QR payments can easily be made across malls and street vendors alike. In such a scenario, the InstaPay RuPay Credit Card is instrumental.

Keep reading to learn more about this dynamic virtual credit card from AU Small Finance Bank.

AU Bank InstaPay Credit Card

( 4.5 / 5 )
AU Bank InstaPay Credit Card
  • Joining FeeNil
  • Annual FeeNil
  • Best Suited ForShopping
  • Reward TypeCashback

Rewards Rate

1% direct cashback on UPI spends across departmental stores, groceries, pharmacies, and supermarkets

Welcome Benefits

N/A

Movie & Dining

1% cashback on UPI spends made on dining

Rewards Rate

1% direct cashback on UPI spends across departmental stores, groceries, pharmacies, and supermarkets

Reward Redemption

Cashback to your credit statement/account

Travel

N/A

Domestic Lounge Access

N/A

International Lounge Access

N/A

Golf

N/A

Insurance Benefits

N/A

  • Spend-Based Waiver

    N/A

    Rewards Redemption Fee

    N/A

    Foreign Currency Markup

    3.49%

    Interest Rates

    3.59% per month (43.08% annually)

    Fuel Surcharge Waiver

    1% fuel surcharge waiver on fuel transactions made between Rs. 400 to Rs 5,000

    Cash Advance Charges

    N/A

    • AU Bank Insta Pay Credit Card is a lifetime free card.
    • You can make seamless UPI transactions with this card.
    • This is a virtual credit card which provides a lot of convenience and comfort to its customers.
    • Interest-free period of 48 days.
    • 1% cashback on eligible UPI spends.

    Pros

    • This is a lifetime free credit card, i.e. there are no joining or annual charges.
    • As a virtual credit card, this card offers a lot of convenience to users.
    • Get cashback on UPI spends.

    Cons

    • The AU Bank InstaPay Credit Card is only useful for spends made on UPI transactions.
    • There are no welcome benefits or lounge access provided with this credit card.
    • The cashback received is just 1% which is quite less.

  • AU Bank InstaPay Credit Card Features and Benefits

    Below are the features and benefits of InstaPay Credit Card-

    Life Time-Free Credit Card

    The AU Bank InstaPay Credit Card is a lifetime free credit card. You wouldn’t have to pay any joining or annual fees for this card.

    Fast & Secure Virtual Payments

    Make easy UPI transactions with the AU Bank InstaPay Credit Card. Get rewarded on your UPI spends with this RuPay Credit Card. Check out other popular RuPay credit cards.

    Fuel Surcharge Waiver

    With the AU Bank InstaPay Credit Card, you get a 1% fuel surcharge waiver on fuel transactions made between Rs. 400 and Rs. 5,000. You can get a fuel surcharge waiver of up to Rs. 100 in a statement cycle with this card.

    AU Bank InstaPay Credit Card Cashback

    Get 1% direct cashback on UPI (Unified Payments Interface) transactions made with the AU Bank InstaPay Credit Card. Here are the eligible categories for cashback-

    • Departmental Stores
    • Dining, Pharmacy
    • Grocery
    • Supermarkets

    Maximum cashback of Rs. 100 can be availed in a statement cycle.

    AU Bank InstaPay Credit Card Fees and Charges

    Annual Fees/Joining Fees

    There are no annual or joining fees with the AU Bank InstaPay Credit Card. This is a lifetime free credit card.

    Late Payment Charges

    Total Amount Due Late Payment Charges
    Less Than Rs. 100 Nil
    More Than Rs. 100 Up To Rs. 500 Rs. 100
    More Than Rs. 500 Up To 5,000 Rs. 500
    More Than Rs. 5,000 Up To Rs. 10,000 Rs. 700
    More Than Rs. 10,000  Up To Rs. 20,000 Rs. 800
    More Than Rs. 20,000 Up To Rs. 50,000 Rs. 900
    Above Rs. 50,000 Rs. 1,100

    Have a look at the detailed view of AU Small Finance Bank Credit Card charges.

    Foreign Currency Markup Fee

    The AU Bank InstaPay Credit Card charges a foreign currency markup fee of 3.49% of the transaction.

    Eligibility Criteria for AU Bank InstaPay Credit Card

    AU Small Finance Bank offers a wide range of credit cards in India. With the InstaPay Rupay Credit Card, you can make fast and easy UPI transactions and be rewarded at the same time. Currently, this credit card is exclusively available to existing credit card holders at AU Small Finance Bank.

    Some essential eligibility criteria for AU Bank Insta Pay Credit Card-

    • Must be an Indian citizen,
    • Minimum age of 21,
    • A good/decent credit score is also required for applying for a credit card,
    • Should have a stable source of income.

    Review of AU Bank InstaPay Credit Card

    The AU Bank InstaPay Credit Card is a beginner’s credit card. Offering primary rewards at no joining or annual charges, this credit card is excellent for first-time card users and avid UPI users. One of the main attractive points of the AU Bank InstaPay Credit Card is that it is a virtual credit card. You would no longer need to physically carry your credit card. Make fast, secure and easy transactions with the AU Bank InstaPay Credit Card through your smartphone.

    Although there are other cards which offer greater cashback and benefits, this card is essential for people who regularly use UPI. While making transactions, no matter how large or small, you can earn cashback.

    What are your views on the AU Bank InstaPay Credit Card? Tell us below in the comments.

    FAQs:

    There are no annual charges for this credit card as it is a lifetime-free credit card.

    You can contact the 24/7 customer care for AU Bank InstaPay Credit Card at 1800 1200 1500  (Toll Free). You can also address your queries at creditcard.support@aubank.in

    No, with this credit card, you won’t get complimentary lounge access.

    8 comments

    • Kishore Kiran

      1 year ago Reply

      Minimum transaction value of Rs.200, cashback of max 100 per statement cycle. Just a gimmick by the AU SFB

    • Shrey garg

      2 years ago Reply

      Is there any minimum transaction restriction to get 1% cash back (eg. 100 or 200) or would you get flat 1% as cashback for total monthly spends?

    • Ankit Chawla

      3 years ago Reply

      1% cashback is very low compared to other lifetime free credit cards

    • Rahul

      3 years ago Reply

      What is the minimum income required for a salaried or self-employed person?

    • Sarthak

      3 years ago Reply

      Could you please provide me information on the fees and interest rates for the AU Bank InstaPay Credit Card so that I can make an informed choice?

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