Check your eligibility For This Card
Check your eligibility For This Card
The AU InstaPay Credit Card gives you value back on daily expenses with 1% cashback on UPI payments at departmental stores, dining outlets, pharmacies, and supermarkets, saving you up to ₹100 per statement cycle. It also includes basic benefits like a fuel surcharge waiver and an interest-free period. From grocery shopping to eating out, this card helps you save on everyday spends.
The AU InstaPay Credit Card is a virtual-only card that’s issued instantly for immediate use after approval. You can scan any merchant’s QR code to make quick payments, earn rewards on your purchases, and choose flexible repayment options to suit your needs. With worldwide acceptance, exclusive offers, and dedicated customer support, it makes banking easy and convenient.
| Type of Fee/ Charge | Amount |
| Joining Fee | Nil |
| Annual Fee | Nil |
| Finance Charges | 3.75% p.m. (45% p.a.) |
| Late Payment Fee | For Statement Balance: Up to Rs. 100: Nil Above Rs. 100 and up to Rs. 500: Rs. 100 Above Rs. 500 and up to Rs. 5,000: Rs. 600 Above Rs. 5,000 and up to Rs. 10,000: Rs. 700 Above Rs. 10,000 and up to Rs. 20,000: Rs. 800 Above Rs. 20,000 and up to Rs. 50,000: Rs. 1,100 Above Rs. 50,000: Rs. 1,300 |
Everything you need to know about this credit card
Yes, you can link your InstaPay credit card to UPI applications, but you must set a separate UPI PIN for security. Your credit card PIN cannot be used for UPI authentication.
No, the InstaPay credit card is entirely digital. You can access and manage it through the AU0101 app, chatbot, IVR, or AU Small Finance Bank’s website.
The InstaPay credit card shares the credit limit with your existing primary AU credit card. Any changes to your primary card limit will reflect on the InstaPay card as well.
Yes, you can earn reward points on eligible spends. However, certain transactions like EMIs, cash withdrawals, and fees may not be eligible. Points can be redeemed through the AU0101 app.
You get an interest-free period of up to 50 days on purchases, provided you pay your full statement balance by the due date.
You can immediately block your InstaPay credit card using the AU0101 app, chatbot, IVR, or by calling customer care at 1800 1200 1010. A replacement digital card can then be issued instantly.
