AU Bank InstaPay RuPay Credit Card
Updated 3 Jul 2026Source-linked
The AU Bank InstaPay RuPay Credit Card is a entry credit card from AU Small Finance Bank, with a joining fee of ₹0 + GST.
It earns up to 1% on dining grocery upi spends in the form of cashback.
AU Bank InstaPay RuPay Credit Card
- Joining FeeFree
- Annual FeeFree
- Best Suited ForCashback
- Reward TypeCashback
Rewards Rate
- 1% on dining grocery upi
- Base 1.00% on other spends
Welcome Benefits
- Not applicable
Data verified 3 Jul 2026 — see our methodology
AUplatinumentryLifetime freeRewards and Benefits
Rewards Rate
1% on dining grocery upi
Base 1.00% on other spends.
Reward Redemption
Cashback: Redeem at ₹1 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Groceries₹80/mo
You spend ₹8,000 · earns 1.0% = ₹80 uncapped
- Dining & food delivery₹80/mo
You spend ₹8,000 · earns 1.0% = ₹80 uncapped
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 1.0% = ₹150/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.0% = ₹100/mo
- Utilities & bills₹5,000 · 1.0% = ₹50/mo
Est.net rewards for this spend, realistic
₹5,520/yr₹5,520 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.49%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)
Product Details
- entry card issued by AU Small Finance Bank.
- Lifetime free — no joining or annual fee.
- Available on the RuPay network.
Pros & Cons
Pros
- Lifetime-free — no joining or annual fee.
Cons
- No rewards on fuel spends.
- No complimentary airport lounge access.
Accelerated rewards
- 1% on dining grocery upi1% cashback on dining, grocery and UPI transactions.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000.
Sources
- : www.au.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 720+
- Income (salaried)
- ₹3,00,000 p.a.
- Income (self-employed)
- ₹3,00,000 p.a.