AU Bank InstaPay Credit Card

Joining Fee: Nil
Renewal Fee: Nil
Best Suited For: Shopping
Reward Type: Cashback |
Welcome Benefites: N/A

Apply Now

Add to Compare

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.

New Features

Spend Based Waiver

N/A

Interest Rates

3.59% per month (43.08% annually)

Add-on Card Fee

Nil

Rewards Redemption Fee

N/A

Fuel Surcharge

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

Foreign Currency Markup

3.49%

Cash Advance Charges

N/A

Movie & Dining

1% cashback on UPI spends made on dining

Travel

N/A

International Lounge Access

N/A

Rewards Rate

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

Golf

N/A

Insurance Benefits

N/A

Reward Redemption

Cashback to your credit statement/account

Domestic Lounge Access

N/A

Zero Liability Protection

N/A

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.

Similar Cards

Add to Compare

Etihad Guest SBI Credit Card

SBI Cards launched Etihad Guest SBI Card in partnership with the UAE-based airline, Etihad Airways in 2019. It is the lower version of the more premium Etihad Guest SBI Premier Card (also launched at the same event) which offers better benefits and carries a substantially higher annual fee of Rs. 4,999 whereas this card has an annual fee of Rs. 1,499. We have already covered the Premier variant in one of our earlier posts. These cards were launched when the travel industry was at an all time high and travel-related expenses accounted for a substantial portion of the total credit card spends. The card earns you AirMiles at quite a high reward rate on Etihad Airways bookings; you earn decent reward points on other spends as well. Apart from these AirMiles benefits, you also get many other travel-related privileges with this card. To learn more about this card by SBI cards and Etihad Airways keep reading.

Add to Compare

ICICI Bank Expressions Credit Card

ICICI Bank Expressions Credit Card is an entry-level credit card by the ICICI Bank. The unique feature of this card is that you can customize its design and appearance to your liking. You can either choose one of the designs given on the ICICI bank’s website or have your own picture on the card. The card’s target customer base primarily includes students and young professionals who believe in expressing themselves through the things they own (that’s why the name “Expressions“). Expressions Credit Card comes with a nominal annual membership fee of just Rs. 500, which can be waived off on spending a minimum of Rs. 1.5 lakh in an anniversary year. Read on to learn more about this entry-level offering by ICICI.

Add to Compare

HDFC Bank Regalia First Credit Card

HDFC’s Regalia Credit card range is one of the most sought-after and best credit cards in its lineup. One such offering is the Regalia First Credit Card, which offers various travel benefits and lifestyle privileges. It offers Reward Points on every purchase, whether it is a retail purchase or paying utility bills or rent. Apart from Reward Points, it offers a premium travelling experience, allowing the user to access some of the most luxurious Airport lounges every year across the globe using Priority Pass. Not only this, but you can also avail of exciting dining benefits with the Good Food Trail Program. Bonus rewards of up to 8,500 reward points can be earned every year under the renewal and milestone benefits of the card. Also, the credit card’s annual fee is eligible for a waiver based on your annual spends in the previous year. To know more about this credit card, look at its detailed specifications.

1 OFFER

Benefites of SBI Credit Card Total Benefits...

View Offers

Other Cards

View all