AU Small Finance Bank
AU Bank InstaPay Credit Card
Annual Fee
Lifetime FreeBase Reward
1% cashback
Foreign Markup
3.49%
Welcome Benefits
N/A
Product Highlights
- Lifetime free credit card
- Fast & secure virtual payments
- 1% cashback on eligible UPI spends
Category Rewards
dining
1% cashback on accelerated categories
1%
grocery
1% cashback on accelerated categories
1%
Specialty
1% cashback on accelerated categories
1%
Specialty
1% cashback on accelerated categories
1%
Reward Calculator
Earns ₹1,560/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
₹1.6K
direct cashback
₹1.6K
via direct credit
Effective rate
1.00%
Annual fee
FREE
Year 1 net
+₹1,560
Year 2+ net
+₹1,560
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.49%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, rent, cash, emi, government, education
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
1% direct cashback on UPI spends across departmental stores, groceries, pharmacies, and supermarkets.
Redemption
Cashback to your credit statement/account
Benefits & Features
1% cashback on UPI spends made on dining
Pros & Cons
Pros
- Lifetime free credit card with no joining or annual charges
- Convenience of a virtual credit card
- Cashback on UPI spends
Cons
- Only useful for UPI transactions
- No welcome benefits or lounge access
- Cashback rate of 1% is relatively low
Additional Info
Maximum cashback of ₹100 can be availed in a statement cycle.
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Networks