All cards / AU Small Finance Bank
AU InstaPay RuPay Credit Card
A lifetime-free, virtual-only RuPay card built specifically for UPI/QR payments, giving 1% cashback on everyday UPI spends at groceries, dining and pharmacies — but only issuable as an add-on to an existing AU credit card.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in groceries, dining. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
1% reward rate (capped ₹100/monthly)
- 🛒 Groceries
1% reward rate (capped ₹100/monthly)
- ⛽ Fuel
1% fuel surcharge waiver on fuel transactions of ₹400–₹5,000, capped at ₹100 per statement month
- 🌍 Forex / international spend
3.49% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
Fees & charges
- Rewards redemption fee: ₹99 + GST per redemption request
- Foreign currency markup: 3.49%
- Interest rate: 45% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel transactions between ₹400–₹5,000, capped at ₹100 per statement month
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction
Benefits
- 1% fuel surcharge waiver on fuel transactions of ₹400–₹5,000, capped at ₹100 per statement month
- Virtual-only RuPay card that links to UPI apps for QR/UPI payments
Pros
- + Lifetime free, no physical plastic to manage
- + 1% cashback on everyday UPI spends via linked apps
- + Fuel surcharge waiver on UPI-linked fuel payments
Cons
- − Not available to new-to-AU customers — add-on for existing primary AU cardholders only
- − Cashback capped at a low ₹100/month per category
- − No lounge access or travel benefits
Best for