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AU Bank InstaPay Credit Card – Benefits, Fees & Eligibility

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Last updated: 18 July 2026
The AU Bank InstaPay Credit Card is a lifetime free, entry-level virtual credit card designed for individuals looking to begin their credit journey or for existing cardholders seeking instant cashback on UPI transactions. It offers 1% cashback on eligible UPI spends and has no joining or annual fees. Its virtual nature provides significant convenience, allowing users to make fast, secure, and easy transactions directly from their smartphone without needing to carry a physical card. It's an excellent beginner's card, particularly for first-time users and those who frequently use UPI.
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Is the AU Bank InstaPay Credit Card Right for You?

A quick look at who this card is best for, key costs, and things to consider.

The AU Bank InstaPay Credit Card is best suited for users who prioritize Shopping, Dining, Utilities. With a joining fee of Lifetime Free and a renewal fee of Lifetime Free, this card offers free entry for new applicants. It offers Cashback as its primary reward mechanism, with a rewards rate of 1% direct cashback on UPI transactions, max Rs. 100 per cycle..

Verified
Last updated: 18 July 2026

Key Card Details

Joining Fee

Lifetime Free

Renewal Fee

Lifetime Free

Reward Type

Cashback

Foreign Currency Markup

3.49% of the transaction amount

Rewards Rate

1% direct cashback on UPI transactions, max Rs. 100 per cycle.

Interest Rates

3.59% per month (equivalent to 43.08% annually)

Notable Perks

Spend-Based Waiver

Not applicable as the card is lifetime free.

Dining Benefits

1% cashback on UPI spends made on dining.

Fuel Surcharge Waiver

1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000, max Rs. 100 per cycle.

Things to Consider

The card's utility is primarily limited to UPI transactions.

It does not offer welcome benefits or complimentary lounge access.

The 1% cashback rate is modest compared to other market offerings.

Last updated: 18 July 2026

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Rewards Rate

1% direct cashback on UPI transactions, max Rs. 100 per cycle.

Reward Type

Cashback

Reward Redemption

Cashback is credited directly to your credit statement/account.

Dining Benefits

1% cashback on UPI spends made on dining.

Fees & Charges

Know the costs before applying to avoid surprises later

Joining Fee

Lifetime Free

Renewal Fee

Lifetime Free

Spend-Based Waiver

Not applicable as the card is lifetime free.

Foreign Currency Markup

3.49% of the transaction amount

Interest Rates

3.59% per month (equivalent to 43.08% annually)

Fuel Surcharge Waiver

1% fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000, max Rs. 100 per cycle.

Cash Advance Charges

Not applicable

Rewards Redemption Fee

Not applicable

Pros & Cons

Weigh the advantages and limitations

Pros

Key benefits and features of this card.

Lifetime free credit card with no joining or annual charges.

Offers convenience as a virtual credit card for seamless payments.

Provides cashback on UPI spends across various essential categories.

Cons

Key drawbacks and limitations of this card.

The card's utility is primarily limited to UPI transactions.

It does not offer welcome benefits or complimentary lounge access.

The 1% cashback rate is modest compared to other market offerings.

Product Details

Comprehensive information about this credit card

Lifetime free virtual credit card for instant UPI payments.

Offers an interest-free period of up to 48 days.

Earn 1% cashback on eligible UPI spends, capped at Rs. 100 monthly.

Enjoy a 1% fuel surcharge waiver on transactions between Rs. 400-5,000.

Designed for seamless, convenient, and secure smartphone transactions.

What matters, explained clearly

Detailed evaluation to help you make the right decision

Introduction

The AU Bank InstaPay Credit Card, issued by AU Small Finance Bank, is positioned as a lifetime free, entry-level virtual credit card designed for individuals looking to begin their credit journey or for existing cardholders seeking instant cashback on UPI transactions. Its primary differentiating benefits include being a virtual card for seamless UPI payments, offering 1% cashback on eligible UPI spends, and having no joining or annual fees.

Fees

  • Joining Fee: Nil
  • Renewal Fee: Nil
  • Spend-Based Waiver: Not applicable as the card is lifetime free.
  • Rewards Redemption Fee: Not applicable
  • Foreign Currency Markup: 3.49% of the transaction amount
  • Interest Rates: 3.59% per month (equivalent to 43.08% annually)
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver on fuel transactions made between Rs. 400 and Rs. 5,000. A maximum fuel surcharge waiver of up to Rs. 100 can be availed in a statement cycle.
  • Cash Advance Charges: Not applicable
  • Late Payment Charges:
    • Less Than Rs. 100: Nil
    • More Than Rs. 100 Up To Rs. 500: Rs. 100
    • More Than Rs. 500 Up To Rs. 5,000: Rs. 500
    • More Than Rs. 5,000 Up To Rs. 10,000: Rs. 700
    • More Than Rs. 10,000 Up To Rs. 20,000: Rs. 800
    • More Than Rs. 20,000 Up To Rs. 50,000: Rs. 900
    • Above Rs. 50,000: Rs. 1,100

Rewards

  • Rewards Rate: 1% direct cashback on UPI (Unified Payments Interface) transactions.
    • Eligible Categories for Cashback: Departmental Stores, Dining, Pharmacy, Grocery, Supermarkets.
    • Maximum Cashback: Up to Rs. 100 can be availed in a statement cycle.
  • Movie & Dining: 1% cashback on UPI spends made on dining.

Rewards Redemption Guide

  • Cashback is credited directly to your credit statement/account.

Card Eligibility Criteria

  • Must be an Indian citizen.
  • Minimum age of 21 years.
  • A good/decent credit score is required.
  • Should have a stable source of income.
  • Currently, this credit card is exclusively available to existing credit card holders at AU Small Finance Bank.

Card Review

The AU Bank InstaPay Credit Card is an excellent beginner's credit card, particularly for first-time card users and individuals who frequently use UPI for transactions. It offers primary rewards without any joining or annual charges, making it a lifetime free option. Its virtual nature provides significant convenience, allowing users to make fast, secure, and easy transactions directly from their smartphone without needing to carry a physical card.

Pros:

  • Lifetime free credit card with no joining or annual charges.
  • Offers convenience as a virtual credit card for seamless payments.
  • Provides cashback on UPI spends across various essential categories.

Cons:

  • The card's utility is primarily limited to UPI transactions.
  • It does not offer welcome benefits or complimentary lounge access.
  • The 1% cashback rate is considered modest compared to some other credit cards available in the market.

Important Product Details

  • The AU Bank InstaPay Credit Card is a lifetime free card.
  • It facilitates seamless UPI transactions.
  • As a virtual credit card, it offers significant convenience and comfort.
  • An interest-free period of 48 days is provided.
  • Earn 1% cashback on eligible UPI spends, with a maximum of Rs. 100 per statement cycle.
  • Enjoy a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000, capped at Rs. 100 per statement cycle.

Other Details

  • Customer Care: You can contact the 24/7 customer care for AU Bank InstaPay Credit Card at 1800 1200 1500 (Toll Free) or address queries via email at creditcard.support@aubank.in.
  • No complimentary domestic or international lounge access is provided with this credit card.

Frequently Asked Questions

Clear, concise answers to help you understand this card better.