AU InstaPay Credit Card
AU InstaPay isn't a standalone product — it's a lifetime-free, entirely virtual RuPay card that AU Small Finance Bank issues only to people who already hold one of its credit cards; the bank's own FAQ describes it as "exclusively available to our existing Credit cardholders at AU Small Finance Bank" (currently rolled out to a select base). Rather than opening a fresh credit line, it draws on the limit already attached to your primary AU card, though it generates its own separate statement. Because it's virtual and instant-issuance, there's no physical card to wait on — you activate it straight from the AU 0101 app, ChatBot, IVR or website. As a RuPay card it plugs into UPI, and it pays 1% cashback on UPI transactions of ₹200 and above at departmental stores, dining, pharmacy and grocery/supermarket outlets, capped at ₹100 per statement cycle, alongside a 1% fuel surcharge waiver. Think of it less as a credit card in its own right and more as a UPI-spending add-on for an AU relationship you already have.
Key features
A quick rundown of what actually makes this card worth carrying.
1% on Other
1% cashback on UPI txns ≥₹200 at departmental stores, dining, pharmacy and grocery (min transaction ₹200, capped ₹100/cycle) — UPI txns ≥₹200 in eligible categories only
Lifetime Free
No annual fee — ever. Keep this card long-term without any recurring cost.
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹100/month
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | cashback | 1% | ₹100 |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | Lifetime free |
| Joining fee (incl. 18% GST) | Free |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹100 |
Perks & benefits
Non-reward perks add up to roughly ₹500/yr in estimated value.
fuel waiver ~ ₹500 /yr
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹100 per cycle
Should you get it?
Best for: Existing AU Small Finance Bank credit cardholders, AU cardholders who want a UPI-linked companion card for everyday scan-and-pay spends
Sits in the entry tier — well suited to first-time and lower-spend users.
You'll get the most value here if Other is a big part of your budget ( 1% back).
✓ Pros
- Entirely digital — get it instantly via the AU 0101 app, ChatBot, IVR or website with no wait for a physical card
- Costs nothing to hold and links to RuPay/UPI
- 1% cashback on UPI spends plus a fuel surcharge waiver
✕ Cons
- Only available to people who already hold another AU Small Finance Bank credit card — not a route to your first card
- Draws from the same credit limit as your existing AU card rather than adding fresh credit
- The 1% UPI cashback needs a ₹200 minimum transaction and caps out at ₹100 per statement cycle
- AU doesn't publish a specific forex markup for this virtual, domestic-UPI-only card — the 3.5% shown reflects AU's standard retail rate, not one confirmed for InstaPay specifically
Eligibility & documents
Age
18 –70 years
Min. income
₹12,000 /mo
Employment
Salaried · Self-employed · Other
Documents required
- PAN card
- Aadhaar / valid address proof
- Existing AU Small Finance Bank credit card
How to redeem rewards
The main routes for turning earned cashback into usable value.
🎁 Statement credit / cashback adjustment
🎁 Online rewards catalogue (vouchers, merchandise)
What your Cashback are worth
What each point is actually worth depending on how you redeem it — this gap is where most cardholders lose value without realising it.
Statement credit Direct cash adjustment — no conversion
The concern This isn't a standalone or first-card product — per AU's own FAQ it's reserved for existing AU Small Finance Bank credit cardholders (currently a select base only), and it shares its limit with that existing card instead of adding new credit capacity.
The bottom line
Best thought of as a convenience add-on rather than a way to start building credit. Since it rides on an AU relationship you've already established, there's no fresh income or CIBIL bar to clear — that happened when you got your primary card. What it actually adds is a virtual, instantly issued UPI link at zero cost; the ₹100 monthly cashback ceiling keeps the rewards modest, so it's best used alongside your main AU card rather than as an earning engine on its own.
Sources & verification
Fees, reward rates, and benefits for the AU InstaPay Credit Card are compiled from AU Small Finance Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 7 Aug 2026 . Reviewed by the SarvCred Editorial Team . Always confirm current details on the issuer's site before applying. How we research →
Independence. SarvCred is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for AU Small Finance Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Frequently asked questions
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