Card Details
InstaPay RuPay Credit Card
Card Issuer
AU Bank
Joining Fee
Zero
Annual Fee
Zero
Reward Type
Cashback
Card Access
Standard
Offers from AU Bank
See allEarn Points
1% Cashback
On upi at departmental stores, dining, pharmacy, grocery & supermarkets (max ₹100 per statement cycle)
1% Cashback
On upi at grocery stores & supermarkets (shared ₹100 limit)
1% Cashback
On upi at restaurants (shared ₹100 limit)
1% Cashback
On upi at pharmacies (shared ₹100 limit)
Benefits
Virtual RuPay card that can be linked to UPI…
- Virtual RuPay card that can be linked to UPI applications
- Link the virtual RuPay card to UPI applications for domestic merchant QR payments
- 1% cashback on selected grocery, dining, pharmacy and departmental-store categories
- 1% cashback on selected eligible merchant categories
1% fuel surcharge waiver
- 1% fuel surcharge waiver on eligible fuel transactions
- 1% fuel surcharge waiver on fuel transactions between INR 400 and INR 5,000
Things to Keep in Mind
Cashback applies only to selected MCC categories.
Minimum transaction amount for cashback is ₹200.
Cashback capped at ₹100 per statement cycle.
UPI transactions are for domestic merchants only.
UPI app mobile number must match number linked to RuPay credit card.
Separate UPI PIN is required; card PIN cannot be used for UPI authentication.
Card insights
Alternatives
If you spend…
Recommendation
Frequently Asked Questions
Yes. The joining and annual fees are both ₹0, confirmed on AU's product page in October 2026.
Who InstaPay is really for
InstaPay is for people who already hold an AU Small Finance Bank credit card and want to pay shop QR codes on credit at no cost. It is a free, virtual RuPay card that borrows its limit from your main AU card and pays a small cashback on everyday merchant UPI.
If you do not have an AU card, this is not really a card you can pick on its own. AU's terms say the InstaPay limit is shared with your existing primary AU card.
Where the 1% stops: ₹10,000 a cycle
InstaPay pays 1% cashback on selected merchant categories: grocery stores and supermarkets, restaurants, pharmacies and departmental stores. Three rules shape what you actually get:
- Each transaction must be ₹200 or more to earn.
- Cashback is capped at ₹100 per statement cycle.
- Other merchant categories and person-to-person transfers earn nothing.
So the 1% runs out at ₹10,000 of eligible spend in a cycle. Spend ₹6,000 a month on groceries and medicines and you earn ₹60. Spend ₹15,000 and you still earn ₹100. The most you can make in a year is about ₹1,200. A ₹180 chemist bill earns nothing; a ₹250 one earns ₹2.50.
There is also a 1% fuel surcharge waiver on fuel transactions of ₹400 to ₹5,000.
A second card, a second bill
The shared limit has two side effects users run into. Every rupee you spend on InstaPay comes out of your main AU card's limit. And InstaPay has its own statement and its own payment, so you can miss its due date even while your main card is paid on time. Set a separate reminder or auto-debit.
Some existing AU cardholders also report application loops or rejections when adding a second AU card, tied to AU's multiple-card rules. Apply from inside the AU app and call AU if it fails, rather than re-applying.
Linking it to UPI
- Use a UPI app whose mobile number matches the one on your AU card. AU names BHIM, Paytm and MobiKwik.
- Set a new UPI PIN; your card PIN does not work for UPI.
- If AU renews or reissues the card, link it again.
- Payments work for domestic merchants only.
Worth adding to your AU wallet?
Yes, if you already hold an AU card and spend under ₹10,000 a month on grocery, pharmacy and dining QR payments. It costs nothing and turns that spend into a little cashback.
If your UPI spend is higher, or you do not bank with AU, a free card like Kiwi pays more on Scan & Pay. Read more about the bank in our AU Bank issuer guide.
Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva
