AU Bank InstaPay Credit Card

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

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