AU Small Finance Bank
AU InstaPay Rupay Credit Card
LIFETIME FREE Card
This is an invite only card
Top Benefits
Earn 1% Cashback on UPI Spends at Departmental Stores
grocery stores and supermarkets on transactions of ₹200 or more capped at ₹100 per statement cycle
Get 1% Cashback on UPI Payments at Restaurants
& eating places and pharmacy stores on transactions of ₹200 or more within the ₹100 monthly cashback cap
Best For
Dining
Grocery Shopping
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- Lifetime-free virtual RuPay credit card that links to any UPI app for scan-and-pay at merchant QR codes no physical card is issued
- Earn 1% cashback on UPI transactions at eligible merchant categories Departmental Stores, Grocery Stores & Supermarkets, Restaurants & eating places / Dining, and Pharmacy on transactions of ₹200 or more, capped at ₹100 per statement cycle
- Up to 50 days interest-free credit period
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
N/A
Redemption Options
This is a cashback card, and the earned cashback is adjusted directly in your monthly statement
To check redemption catalogue
N/A
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
any transaction below ₹200
non-UPI transactions
For Spends Waiver
any transaction below ₹200
non-UPI transactions
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  This is a virtual card for domestic UPI / QR transactions only and cannot be used for international or foreigncurrency spends | Not Applicable |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal Finance charges of 3.75% per month 45% per annum apply on unpaid outstanding balances until the amount is fully repaid | 2.5% |
Reward Redemption Fees No fee is charged, cashback is auto-adjusted in the monthly statement | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees No Rent payment fee is charged | Not Applicable |
cheque Payment Fees A fee of 2% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or autodebit reversal | 2% |
Cash Payment Fees This is a virtual card managed through digital channels and does not offer a cash bill-payment facility | Not Applicable |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1,000 | ₹400 |
| ₹1,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1100 |
| Above ₹50,000 | ₹1300 |
That’s the full story of this credit card
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Top Benefits
Top Benefits
Earn 1% Cashback on UPI Spends at Departmental Stores
grocery stores and supermarkets on transactions of ₹200 or more capped at ₹100 per statement cycle
Get 1% Cashback on UPI Payments at Restaurants
& eating places and pharmacy stores on transactions of ₹200 or more within the ₹100 monthly cashback cap
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