AU Bank InstaPay Credit Card

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The AU Bank InstaPay Credit Card lets you earn cashback while making UPI transactions. It’s a virtual card, so you don’t need to carry a physical one. You can easily make payments from your smartphone, making it a convenient choice for anyone starting their credit card journey or looking to earn cashback on UPI spends. Plus, it offers 1% cashback on UPI transactions in categories like dining, supermarkets, and groceries. This virtual credit card is perfect for first-time users and UPI regulars. You can make quick, secure transactions by scanning QR codes at malls or street vendors. With no joining or annual fees, it's a great option for those who want to save while spending. The card allows you to earn cashback on both large and small transactions, making it a practical tool for daily expenses.

The AU Bank InstaPay Credit Card is designed to make banking easier. It offers instant approval and worldwide acceptance, meaning you can use it anywhere. You also get flexible repayment options and rewards on your purchases. With extra benefits like a fuel surcharge waiver and an interest-free period, this card provides excellent value for everyday shopping and dining.

Credit Card Detail
AU Bank InstaPay Credit Card
Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Shopping
Reward Type
Cashback
Welcome Benefits
N/A
Apply Now
Rewards Rate
Get 1% cashback on UPI purchases made at department stores, restaurants, pharmacies, and grocery or supermarket stores.
Reward Redemption
The cashback will be credited to your credit statement or account.
Movie & Dining
You can get 1% cashback on UPI payments made for dining.
Travel
N/A
Golf
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Insurance Benefits
N/A
Interest Rates
3.59% per month is the same as 43.08% per year.
Spend-Based Waiver
N/A
Rewards Redemption Fee
N/A
Cash Advance Charges
N/A
Foreign Currency Markup
3.49% +GST
Fuel Surcharge
Get a 1% waiver on the fuel surcharge for fuel transactions between INR 400 and INR 5,000 at any fuel station in India, with a maximum benefit of INR 100 per billing cycle.
Card Details
  • AU Bank InstaPay Credit Card is a lifetime-free card.
  • You can make seamless UPI transactions with this virtual card.
  • Interest-free period of 48 days.
  • 1% cashback on eligible UPI spends across select categories (departmental stores, dining, pharmacy, and grocery & supermarkets), up to Rs. 100 per statement cycle.
  • 1% fuel surcharge waiver for fuel transactions between Rs. 400 and Rs. 5,000 at all fuel stations, up to Rs. 100 per statement cycle.
  • Scan and Pay: Quickly complete payments by scanning any merchant’s QR code.
  • Manage your account online anytime, from any location.
  • Worldwide acceptance at millions of merchants and ATMs.
Pros/Cons
Pros
- This lifetime-free virtual credit card has no joining or annual fees and offers great convenience for users. You can also earn cashback on your UPI spends.
Cons
- The AU Bank InstaPay Credit Card is mainly useful for UPI transactions and doesn't offer welcome benefits or lounge access. The cashback is also only 1%, which might feel low for some users.
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Frequently Asked Questions

How can I link my AU RuPay Credit Card on UPI if I changed my mobile number?

If your mobile number has changed, you need to update it on your RuPay Credit Card and UPI app, then re-register the card on UPI.

Can I authenticate UPI payments with my AU RuPay Credit Card pin?

No, you must create a separate UPI PIN to authenticate UPI transactions with your AU RuPay Credit Card.

What is the process to link my RuPay Credit Card to a UPI application?

First, download a UPI app like BHIM or Paytm, verify your mobile number, select "Link Credit Card," and follow the steps to link it.

Can I convert my UPI payment made with a RuPay Credit Card into an EMI?

Yes, eligible UPI transactions made with your RuPay Credit Card can be converted into EMI.

If I renew my AU RuPay Credit Card, do I need to link it to UPI again?

Yes, after renewing your card, you’ll need to re-link it to the UPI application.

How is the credit limit for the InstaPay Credit Card determined?

The credit limit on your InstaPay Credit Card is the same as your existing primary credit card limit.

How do I set a daily limit or disable UPI transactions on my RuPay Credit Card?

You can set or disable the daily transaction limit for UPI on your AU RuPay Credit Card in the AU 0101 app.

Can I link my AU Small Finance Bank Visa or Mastercard to the UPI app?

Only RuPay Credit Cards can be linked to UPI apps; Visa or Mastercard cannot be used.

Will I get cashback or reward points for transactions made with my RuPay Credit Card?

Yes, you can earn 1% cashback on selected merchant categories, capped at INR 100 per statement cycle.

Is there a cap on the number of UPI transactions I can make with my RuPay Credit Card?

Yes, there’s a limit on the number of transactions you can make using your RuPay Credit Card via UPI, as set by NPCI.

Can I register my RuPay Credit Card with UPI if my mobile number is not linked?

To register your RuPay Credit Card, your mobile number on both the card and UPI app must match.

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