What is the AU Bank InstaPay Credit Card?

The AU Bank InstaPay Credit Card is a virtual, lifetime-free RuPay credit card designed for seamless UPI transactions directly from your smartphone.

Are there any joining or annual fees for the AU Bank InstaPay Credit Card?

No, the AU Bank InstaPay Credit Card is a lifetime-free card with Nil joining and renewal fees, making it a cost-effective option.

What kind of rewards can I earn with the AU Bank InstaPay Credit Card?

You can earn 1% cashback on UPI transactions across Departmental Stores, Dining, Pharmacy, and Grocery & Supermarkets, up to INR 100 per statement cycle.

How can I redeem cashback earned with the InstaPay Credit Card?

The cashback earned with your AU Bank InstaPay Credit Card is credited directly to your credit statement/account.

Does the AU Bank InstaPay Credit Card offer lounge access?

No, the AU Bank InstaPay Credit Card does not provide any domestic or international airport lounge access benefits.

What are the foreign currency markup charges for the InstaPay Credit Card?

The foreign currency markup for the AU Bank InstaPay Credit Card is 3.49% of the transaction amount for international spends.

Is the AU Bank InstaPay Credit Card a physical card?

No, the AU Bank InstaPay Credit Card is a virtual credit card, eliminating the need to physically carry a card for payments.

What is the interest-free period offered by the AU Bank InstaPay Credit Card?

The AU Bank InstaPay Credit Card offers an interest-free period of up to 48 days on your transactions.

What are the eligibility criteria for the AU Bank InstaPay Credit Card?

Eligibility for the AU Bank InstaPay Credit Card includes being an existing AU Small Finance Bank credit cardholder, an Indian citizen aged 21+, with a good credit score and stable income.

Can I get a fuel surcharge waiver with the AU Bank InstaPay Credit Card?

Yes, you receive a 1% fuel surcharge waiver on transactions between INR 400 and INR 5,000, with a maximum waiver of INR 100 per statement cycle using the InstaPay Credit Card.

AU Small Finance Bank

AU Bank InstaPay Credit Card

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Last updated: 16 November 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Not Applicable

Rewards Rate

Earn 1% cashback on UPI transactions in specific categories.

Reward Type

Cashback

Reward Redemption

Cashback is credited directly to your credit statement/account.

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Not Applicable

Movie

Not Applicable

Dining

1% cashback on UPI spends made on dining.

Travel Benefits

Not Applicable

What matters, explained clearly

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Frequently Asked Questions

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