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AU Small Finance Bank
AU InstaPay RuPay Credit Card
RuPay
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.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
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
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
Benefits
- 1% fuel surcharge waiver on fuel transactions of ₹400–₹5,000
- 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