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AU InstaPay Credit Card

Home Credit Card AU Small Finance Bank Credit Card InstaPay Credit Card
Updated: 12-11-2025 08:37:27 AM

AU InstaPay Credit Card is designed to offer value back on everyday spends, offering 1% cashback on UPI transactions across essential categories like departmental stores, dining, pharmacies, and supermarkets, with savings of up to Rs. 100 per statement cycle. Additionally, the card also offers other basic benefits, such as fuel surcharge waiver, interest -free period, and much more. Whether you’re shopping for groceries or dining out, the AU InstaPay Credit Card allows you to save on your everyday expenses. Read on to know about the credit card’s features and benefits in detail and determine if it’s the right fit for your lifestyle.

Key Highlights of AU InstaPay Credit Card
Joining Fee Nil
Annual Fee Nil
Cashback Benefit 1% cashback on UPI spends
Fuel Benefits 1% fuel surcharge waiver across all fuel stations

Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit AU Bank’s website.

AU InstaPay Credit Card: Features & Benefits
AU InstaPay Credit Card: Fees & Charges
AU InstaPay Credit Card: Eligibility & Documentation
AU InstaPay Credit Card: Features & Benefits

Cardholders can avail below-mentioned benefits through this credit card:

  • 1% cashback on UPI spends across select categories, such as departmental stores, dining, pharmacy, and grocery & supermarkets, up to Rs. 100 per statement cycle
  • 1% fuel surcharge waiver for fuel transactions between Rs. 400 and Rs. 5,000 at all fuel stations, up to Rs. 100 in a statement cycle
  • Interest free period of up to 48 days
AU InstaPay Credit Card: Fees & Charges
Type of Fee/ Charge Amount
Joining Fee Nil
Annual Fee Nil
Finance Charges 3.75% p.m. (45% p.a.)
Late Payment Fee For Statement Balance:

Up to Rs. 100: Nil

Above Rs. 100 and up to Rs. 500: Rs. 100

Above Rs. 500 and up to Rs. 5,000: Rs. 600

Above Rs. 5,000 and up to Rs. 10,000: Rs. 700

Above Rs. 10,000 and up to Rs. 20,000: Rs. 800

Above Rs. 20,000 and up to Rs. 50,000: Rs. 1,100

Above Rs. 50,000: Rs. 1,300

Click here <add no follow link> to view other fees & charges and terms & conditions. 

AU InstaPay Credit Card: Eligibility & Documentation

The applicant must fulfill the below mentioned eligibility criteria to apply for this credit card:

  • Minimum Age Requirement: 18 years
  • Employment Type: Salaried or Self-employed
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