AU Bank InstaPay Credit Card

Name: AU Bank InstaPay Credit Card
Brand: AU Bank
Availability: InStock
Rating: 2 (1 reviews)

Overview

The AU Bank InstaPay Credit Card occupies a unique position in AU Small Finance Bank's lineup as a virtual-only RuPay card built for UPI payments. Unlike standard credit cards, there is no physical plastic. You access and manage the card through the AU 0101 app, chatbot, IVR, or the bank's website.The primary benefit is 1% cashback on UPI transactions at departmental stores, grocery stores, supermarkets, restaurants, and pharmacies. However, cashback is capped at ₹100 per statement cycle. That ceiling is reached at just ₹10,000 in monthly UPI spending across eligible categories. For anyone spending beyond that amount on UPI, the additional transactions earn nothing back.A 1% fuel surcharge waiver covers all fuel stations nationwide on transactions between ₹400 and ₹5,000, also capped at ₹100 per cycle. This is slightly more flexible than cards that restrict the waiver to specific fuel brands like HPCL or Indian Oil.The card is available only to existing AU Bank primary credit card customers who meet internal credit criteria. It shares the overall credit limit with your existing AU Bank card rather than providing a separate line. With up to 48 days of interest-free credit and zero fees, it works as a supplementary payment tool for UPI-heavy users. The ₹100 monthly cashback cap limits its value significantly, and the lack of lounge access, insurance, or reward points makes it one of the most basic cards in AU Bank's range.

Pros

↑Lifetime free with no joining fee and no annual fee, making it completely cost-free to hold even with zero spending
↑Instant digital issuance through the AU 0101 app means you can start using the card within minutes of approval
↑1% fuel surcharge waiver at all fuel stations nationwide, broader coverage than many entry-level cards that limit the waiver to specific brands
↑Direct cashback credited to statement rather than reward points, avoiding the complexity and potential devaluation of points-based systems

Cons

↓Cashback capped at just ₹100 per statement cycle, which means the benefit maxes out at only ₹10,000 in monthly UPI spending across eligible categories
↓Only available to existing AU Bank primary credit card holders, not open to new customers or those without an existing AU Bank card
↓No airport or railway lounge access, no insurance coverage, and no reward points, making it one of the most feature-limited cards in AU Bank's lineup
↓Virtual-only card with no physical plastic, which means it cannot be used at merchants that only accept card swipe or chip insertion

Key Highlights

Welcome Offer
No welcome offer
No welcome bonus or joining gift
Card issued free to existing AU Bank customers
No vouchers or bonus cashback on activation

Reward Rate
1% cashback on UPI payments
1% cashback on UPI at select categories
Categories: grocery, dining, pharmacy, departmental stores
Capped at ₹100 per statement cycle
No cashback on non-UPI transactions

Minimum Salary
Existing AU Bank card customer
Must be existing AU Bank primary credit card holder
Internal credit criteria apply
Age: 21 to 60 years
Credit score: 750+

Joining Fee
No joining fee
No joining fee
Lifetime free card
No charges to activate

Annual Fee
No annual fee
No annual fee
No renewal fee ever
Lifetime free, no spend condition required

Why Choose?
Virtual-only UPI card with fuel waiver
Virtual-only RuPay card, no physical plastic
1% cashback on UPI at select merchants
1% fuel surcharge waiver at all fuel stations
Up to 48 days interest-free credit
Shared credit limit with primary AU card

Key Benefits

Cashback

★2.0

▼

1% cashback on UPI transactions at select categories
Eligible categories: departmental stores, grocery, supermarkets, dining, pharmacy
Capped at ₹100 per statement cycle
No cashback on non-UPI transactions or categories outside the eligible list

Fuel

★3.0

▼

1% fuel surcharge waiver on ₹400 to ₹5,000 transactions
Available at all fuel stations nationwide
Capped at ₹100 per statement cycle
Broader coverage than cards limited to specific fuel brands

Liability Protection

▼

Zero liability on unauthorized transactions
Must report unauthorized use promptly
Standard RBI guidelines on limited liability apply

No Annual Fee

▼

No joining fee
No annual fee
Lifetime free with no spend condition
No renewal charges

Detailed Information

Joining Fee	No joining fee
Annual Fee	No annual fee
Annual Fee Waiver	Lifetime free, no waiver condition needed
Monthly Percentage Rate	3.49%
Annual Percentage Rate	41.88%
Minimum Monthly Payment	5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup	3.49%
Late Payment Charges	₹100 to ₹1,300 based on outstanding
Overlimit Charges	2.5% of overlimit amount or ₹500 + GST, whichever is higher
Cash Advance Fee	2.5% of amount (min ₹500)
Balance Transfer Fee	Not applicable
Fee For Supplementary Card	Not applicable (virtual-only card)
Card Replacement Fee	Not applicable (virtual-only card)
Fee For Duplicate Statement	₹50 per statement
Fee For Cheque Bounce	₹500

Age Requirement Salaried	21-60 years
Age Requirement Self Employed	21-60 years
Minimum Annual Income Salaried	Existing AU Bank credit card customer (no separate income proof needed)
Minimum Annual Income Self Employed	Existing AU Bank credit card customer (no separate income proof needed)
Minimum Credit Score	750+

Identity Proof	PAN Card (already on file with AU Bank) Aadhaar Card (already on file with AU Bank)
Address Proof	Already on file with AU Bank No fresh documents needed
Income Proof Salaried	Not required (existing customer verification)
Income Proof Self Employed	Not required (existing customer verification)

Frequently Asked Questions

The AU Bank InstaPay Credit Card is a virtual-only RuPay credit card issued by AU Small Finance Bank. It exists purely in digital form with no physical plastic card. The card is meant for UPI and QR code payments and can be managed through the AU 0101 app, chatbot, IVR, or the bank's website.

No. The InstaPay is a virtual-only credit card. You will not receive a physical plastic card in the mail. Card details are accessible through the AU 0101 app and other digital channels. You can use it for UPI payments, QR code transactions, and online purchases where card details can be entered manually.

No. The AU Bank InstaPay Credit Card is lifetime free. There is no joining fee and no annual fee. You are not required to meet any spending threshold to keep the card free.

You earn 1% cashback on UPI transactions made at eligible merchant categories including departmental stores, grocery stores, supermarkets, restaurants, and pharmacies. The cashback is capped at ₹100 per statement cycle. That means the benefit maxes out at ₹10,000 in eligible UPI spending per month. Cashback is credited directly to your statement.

Cashback applies on UPI transactions at departmental stores, grocery stores, supermarkets, restaurants, and pharmacies. Other merchant categories and non-UPI transactions do not qualify for cashback. The merchant must fall under the correct MCC (Merchant Category Code) for the cashback to apply.

The maximum cashback is ₹100 per statement cycle. At 1% cashback, this cap is reached when your UPI spending at eligible merchants hits ₹10,000 in a billing cycle. Any eligible UPI spending beyond ₹10,000 in a cycle earns no additional cashback.

A 1% fuel surcharge waiver applies on transactions between ₹400 and ₹5,000 at all fuel stations across India. The waiver is capped at ₹100 per statement cycle. Unlike many entry-level cards that restrict the waiver to specific fuel brands, the InstaPay covers all petrol pumps nationwide.

The InstaPay is exclusively available to existing AU Small Finance Bank primary credit card holders who meet the bank's internal eligibility and credit criteria. You cannot apply for this card as a new AU Bank customer. You must already hold a primary AU Bank credit card, be an Indian resident aged 21 to 60 years, and have a credit score of 750 or above.

The AU Bank InstaPay Credit Card is issued on the RuPay network. RuPay cards are widely accepted across India for UPI transactions, online payments, and at most domestic merchants. International acceptance is more limited compared to Visa or Mastercard.

The InstaPay card shares the overall credit limit with your existing primary AU Bank credit card. It does not provide a separate or additional credit line. Any spending on the InstaPay card reduces the available limit on your primary card and vice versa. You can set daily UPI transaction limits through the AU 0101 app.

Yes. You can use the virtual card details for online purchases on websites and apps that accept RuPay cards. However, the 1% cashback only applies to UPI transactions at eligible merchant categories. Online shopping transactions made via card number entry (not UPI) do not earn cashback.

The finance charge is 3.49% per month, which works out to 41.88% per year. This applies to any outstanding balance carried past the payment due date. Paying the full statement balance by the due date each month avoids interest charges entirely.

The interest-free period is up to 48 days from the date of purchase, provided you pay the full statement balance by the due date. If you carry any balance forward, interest applies from the transaction date. Cash advances and balance transfers do not receive an interest-free period.

The minimum payment is 5% of the total outstanding balance or ₹200, whichever is higher. Paying only the minimum avoids late payment fees but triggers the 3.49% monthly finance charge on the remaining balance. Always aim to pay the full amount to avoid interest.

Late payment fees range from ₹100 to ₹1,300 depending on the total outstanding amount, plus 18% GST. These charges apply when you fail to pay at least the minimum amount due by the statement due date. Repeated late payments can also affect your credit score.

Since the InstaPay is a virtual-only card, you cannot use it at ATMs for physical cash withdrawal. Cash advance fees of 2.5% of the amount (minimum ₹500) apply to any cash-equivalent transactions. Interest of 3.49% per month starts from the date of the advance with no interest-free period.

The foreign currency markup is 3.49% on all international transactions. Since this is a RuPay card, international acceptance is limited compared to Visa or Mastercard. If you regularly make international purchases, a card on the Visa or Mastercard network with lower forex markup would be more practical.

You can view your card details, set transaction limits, and manage your InstaPay card through the AU 0101 mobile app. Other access channels include the AU Bank chatbot, IVR (phone banking), and the bank's website. You can set daily UPI transaction limits directly within the AU 0101 app under POS Usage settings.