AU Bank InstaPay Credit Cards

Live Apply Process

Welcome Benefits :- ​N/A

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Rewards & Benefits :- 

Movie & Dining

1% cashback on UPI spends made on dining

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Rewards Rate

1% direct cashback on UPI spends across departmental stores, groceries, pharmacies, and supermarkets

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Reward Redemption

Cashback to your credit statement/account

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Travel 

N/A

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Domestic Lounge Access

N/A

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International Lounge Access

N/A

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Fees & Charges :- 

Spend-Based Waiver

NA

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Rewards Redemption Fee

N/A

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Foreign Currency Markup

3.49% on all foreign currency spends.

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Interest Rates

3.49% per month

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Fuel Surcharge

1% fuel surcharge waiver for fuel transactions between Rs. 400 and Rs. 5,000.

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Cash Advance Charges

2.5% of the transaction amount (subject to a minimum charge of Rs. 100)

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Product Details :- 

• AU Bank Insta Pay Credit Card is a lifetime free card.

• You can make seamless UPI transactions with this card.

• This is a virtual credit card which provides a lot of convenience and comfort to its customers.

• Interest-free period of 48 days.

• 1% cashback on eligible UPI spends.

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Pros/Cons :-

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Pros

• This is a lifetime free credit card, i.e. there are no joining or annual charges.

• As a virtual credit card, this card offers a lot of convenience to users.

• Get cashback on UPI spends.

Cons

• The AU Bank InstaPay Credit Card is only useful for spends made on UPI transactions.

• There are no welcome benefits or lounge access provided with this credit card.

• The cashback received is just 1% which is quite less.