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AU InstaPay RuPay Credit Card
UPI paymentsLIFETIME FREE

AU InstaPay RuPay Credit Card

AU Small Finance Bank★★★★★4.2Findisha Rating
✦1% cashback on eligible UPI merchant categoriesRewards ◎3.49% + applicable taxesForex Markup ♧Not specified as a core InstaPay benefit on the official product pageLounge ◈1% cashback on eligible UPI transactions at departmental stores, dining, pharmacy, grocery & supermarketsCashback
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🎁  Welcome BenefitLifetime Free; virtual-only RuPay credit card
KEY BENEFITS
✦
Rewards1% cashback on eligible UPI merchant categories
◈
Cashback1% cashback on eligible UPI transactions at departmental stores, dining, pharmacy, grocery & supermarkets
♢
WelcomeLifetime Free; virtual-only RuPay credit card
♧
Airport LoungeNot specified as a core InstaPay benefit on the official product page
◎
Forex Markup3.49% + applicable taxes
REWARDS STRUCTURE

How you earn

Online Shopping0% value-back
Travel0% value-back
Dining1% value-back
Grocery1% value-back
UPI1% value-back
Other Spends0% value-back
Reward Rate1% cashback on eligible UPI merchant categories
Headline Cashback1% cashback on eligible UPI transactions at departmental stores, dining, pharmacy, grocery & supermarkets
Reward Point Value₹1 cashback = ₹1
Reward/Cashback Cap₹100 per statement cycle
Minimum Spend₹200 per eligible transaction
MilestonesNo separate milestone benefit identified on the current official product page
FEES & CHARGES

Cost of the card

Joining Fee₹0
Annual / Renewal Fee₹0
Fee WaiverLifetime Free
Finance Charge / APRUp to 50 days interest-free period, subject to applicable billing/payment terms
Cash Advance2.5% of cash withdrawal amount or ₹500, whichever is higher, subject to applicable AU charges
Over-limitAs per applicable AU Small Finance Bank schedule of charges
Foreign Currency Markup3.49% + applicable taxes
Fuel Benefit1% fuel surcharge waiver on eligible fuel transactions of ₹400–₹5,000
✓ Lifetime FreeNo joining fee. No annual fee.
KEY BENEFITS & FEATURES

What you get

  • ✓ 1% cashback on eligible UPI transactions; Lifetime Free; 1% fuel surcharge waiver on eligible fuel transactions; up to 50-day interest-free period; RuPay UPI Scan & Pay; virtual-only card; separate statement from primary card; eligible RuPay transactions can be converted to EMI subject to bank terms.

Pros

  • ✓ Lifetime Free; UPI-enabled RuPay card; 1% cashback on selected UPI categories; ₹200 minimum eligible transaction; fuel surcharge waiver; virtual-only convenience.

Cons

  • • Available only to selected existing AU Small Finance Bank credit-card customers; cashback capped at ₹100 per statement cycle; 1% cashback applies only to eligible MCCs; no physical card; UPI use is for domestic merchants.
ELIGIBILITY & DOCUMENTS

Who can apply?

EligibilityExclusively available to existing AU Small Finance Bank credit-card holders; currently applicable to a select base only.
Documents RequiredExisting AU credit-card relationship is required. Complete application/verification as requested by AU Small Finance Bank.
Suggested Credit ScoreNot specified on the official InstaPay product page
IMPORTANT INFORMATION

Terms & extra benefits

Exclusions & Caps

Cashback applies only to eligible MCCs for departmental stores, grocery stores, supermarkets, restaurants/eating places and pharmacy stores. Eligible transaction amount must be at least ₹200. Total cashback is capped at ₹100 per statement cycle. UPI transactions are for domestic merchants.

Insurance / Protection

Not specified as a core InstaPay benefit on the current official product page.

Memberships / Lifestyle

Not specified as a core InstaPay benefit on the current official product page.

FINDISHA VALUE CALCULATOR

What could this card be worth to you?

Enter typical monthly spending. This is an estimate based on the rates stored in the card profile and does not guarantee actual rewards.

Estimated yearly rewards₹0
Effective value-back0%
Estimated net value after annual fee₹0
FREQUENTLY ASKED QUESTIONS

Credit Card FAQs

Yes. The AU InstaPay RuPay Credit Card can be linked to supported UPI applications; the mobile number on the UPI application must match the number linked to the RuPay card.

No. InstaPay is a virtual-only credit card accessible through AU digital channels.

1% cashback on eligible UPI transactions in departmental stores, dining, pharmacy, grocery and supermarkets, subject to a ₹100 statement-cycle cap.

₹200 per eligible transaction.

Existing AU Small Finance Bank credit-card holders; currently applicable to a select base.

No. The InstaPay credit limit is shared with the existing primary card.

No. InstaPay is virtual only.

AU states UPI transactions are available for domestic merchants only.

Last verified: 2026-08-30 · Verify current issuer terms before applying.
AU InstaPay RuPay Credit CardAU Small Finance Bank RuPay
1% cashback on eligible UPI merchant categoriesRewards
3.49% + applicable taxesForex
Lifetime Free; virtual-only RuPay credit cardWelcome
Apply Now
AU InstaPay RuPay Credit Card
Annual fee: ₹0 · Rewards: 1% cashback on eligible UPI merchant categories
Apply Now