About AU Bank InstaPay Credit 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.
Other Features and Benefits
- 1% Cashback on UPI Transactions – Earn 1% cashback on UPI spends across categories like departmental stores, dining, pharmacies, groceries, and supermarkets (max ₹100 per statement cycle).
- 1% Fuel Surcharge Waiver – Save 1% on fuel transactions of ₹400–₹5,000 at all fuel stations, up to ₹100 per statement cycle.
- Scan & Pay Convenience – Make quick payments by scanning any merchant’s QR code through your preferred UPI app.
- Lifetime Free Card – Virtual-only credit card with no annual or joining fee.
- Interest-Free Credit – Enjoy up to 48 days of interest-free credit on purchases.
- Online Account Management – Track spends, manage transactions, and pay bills anytime, anywhere through online banking.
- Worldwide Acceptance – Use the card at millions of merchants and ATMs globally.
Fees and Charges
| 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 |
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Document Required For AU Bank InstaPay Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
AU Bank InstaPay Credit Card Highlights
What do we like about this card?
- 1% cashback on UPI spends in key categories like dining, groceries, pharmacies & departmental stores (max ₹100 per cycle).
- 1% fuel surcharge waiver on ₹400–₹5,000 transactions (up to ₹100 per cycle).
- Scan & pay instantly via any merchant QR code using your preferred UPI app.
- Lifetime free, virtual-only credit card.
- Up to 48 days interest-free credit period.
- Accepted worldwide at millions of merchants and ATMs.
Things to Know Before you apply
Get this card if:
- You want a lifetime free entry-level credit card.
- You frequently use UPI for everyday spends like dining, groceries, and pharmacies.
- You want instant virtual card issuance for quick use.
- You prefer simple, capped cashback over complex rewards systems.
Pros
- 1% cashback on everyday UPI spends in essential categories.
- 1% fuel surcharge waiver at all fuel stations.
- Lifetime free with no joining or annual fee.
- Instant virtual card issuance for immediate use.
Cons
- Cashback capped at ₹100 per statement cycle.
- No airport or railway lounge access.
- Limited to UPI transactions for cashback rewards.
Au Bank Credit Card Contact Details
- Contact Address: AU Small Finance Bank Ltd., Head Office: 5th Floor, Metro Plaza, New Sanganer Road, Mansarovar, Jaipur – 302020, Rajasthan, India
- Helpline:1800 1200 1500 (Toll-Free, 24x7), creditcard.support@aubank.in
- Simply SMS: SMS ZENITH to 5676766 to get a callback or apply
Apply for a Credit Card & Get Instant Approval
Frequently Asked Questions
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.
