- Joining fee
Nil
- Annual fee
Nil
- Best suited for
Shopping
- Reward type
Cashback
Rewards
- Rewards rate
1% direct cashback on UPI spends across departmental stores, groceries, pharmacies, and supermarkets
- Reward redemption
Cashback to your credit statement/account
Benefits
- Movie & dining
1% cashback on UPI spends made on dining
Fees & charges
- Foreign currency markup
3.49%
- Interest rates
3.59% per month (43.08% annually)
- Fuel surcharge waiver
1% fuel surcharge waiver on fuel transactions made between Rs. 400 to Rs 5,000
Product highlights
- 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.
Pros & cons
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.
FAQs
What are the annual charges for AU Bank InstaPay Credit Card?
There are no annual charges for this credit card as it is a lifetime-free credit card.
How can I contact customer care for my AU Bank InstaPay Credit Card?
You can contact the 24/7 customer care for AU Bank InstaPay Credit Card at 1800 1200 1500 (Toll Free). You can also address your queries at creditcard.support@aubank.in
Do I get any international or domestic lounge access with the InstaPay Credit Card?
No, with this credit card, you won’t get complimentary lounge access.