AU Bank InstaPay Credit Card

Card Details

AU Bank InstaPay Credit Card
Issuer
AU Small Finance Bank
Card type
Entry-level
Joining fee
Nil
Annual fee
Nil
Rewards currency
Reward Points

Highlights

  • Lifetime free virtual credit card for UPI
  • 1% cashback on eligible UPI spends (cap ₹100 per statement cycle)
  • Minimum transaction amount ₹200 for cashback eligibility
  • Fuel surcharge waiver: 1% up to ₹100 per statement cycle

Welcome, annual & renewal benefits

  • Joining/Annual Fee: Nil (Lifetime Free).
  • Eligibility: currently available to existing AU credit card holders.

Reward earning

Spend typeBenefit
UPI spends on departmental stores, dining, pharmacy, grocery & supermarkets1% cashback (max ₹100 per statement cycle)
  • Minimum transaction amount for cashback: ₹200.
  • Forex markup: 3.49%.

Additional Benefits

  • Fuel surcharge waiver: 1% on ₹400–₹5,000 (max ₹100 per statement cycle).
  • Virtual-only card; payments via QR/UPI from phone.

Review

Simple entry level UPI card. Go for it if you want a free UPI card