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


Interest Rates

3.59% per month (43.08% annually)

Add-on Card Fee


Rewards Redemption Fee


Fuel Surcharge

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

Foreign Currency Markup


Cash Advance Charges


Movie & Dining

1% cashback on UPI spends made on dining



International Lounge Access


Rewards Rate

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



Insurance Benefits


Reward Redemption

Cashback to your credit statement/account

Domestic Lounge Access


Zero Liability Protection



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.


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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