AU Small Finance Bank
AU Bank InstaPay Credit Card
rupaybasiccreditshoppingonline
Annual Fee
FREE
Base Reward
1% cashback
Foreign Markup
3.49%
4.5/5
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 UPI spends made on dining
1%
grocery
1% CashBack on UPI spends across groceries
1%
shopping
1% CashBack on UPI spends across departmental stores
1%
other
1% CashBack on UPI spends across pharmacies and supermarkets
1%
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.
Fees & Charges
Annual FeeFREE
Joining FeeNil
Foreign Markup3.49%
Interest Rate3.59% per month
Eligibility
Min Age
21 yrs
Networks
rupay