AU InstaPay RuPay Credit Card
AU Small Finance Bank · Open to apply
A lifetime-free virtual RuPay card for existing AU cardholders, linked to UPI. It pays 1% cashback (up to ₹100 a statement) on UPI payments of ₹200 or more at grocery, department, restaurant and pharmacy merchants, and shares its credit limit with the holder's main card.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- Other spends, no reward stated: 0% cashback (about 0% at cash value)
- Lounges
- None on record
- Forex markup
- 3.49%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- UPI payments at grocery, department, restaurant and pharmacy merchants, 1% cashback (up to ₹100 a statement): 1% cashback (about 1% at cash value)
Earns nothing on
- Other spends, no reward stated
Where the sources disagree
- Fuel surcharge waiver: The MITC (2.23) lists InstaPay among the cards with a fuel surcharge waiver of up to ₹100 a statement; the KFS table (V-1.9) leaves InstaPay out of its fuel waiver list. The page also advertises the waiver. We enter the waiver, as the MITC and the page state it.
Terms the calculator does not value
- Cashback applies to department stores, grocery stores, supermarkets, restaurants and pharmacies. Department stores have no category, and "health" also includes clinics and hospitals that the page does not name.
Sources
- AU Small Finance Bank: InstaPay RuPay credit card page and FAQ (Product page, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank MITC with schedule of charges, version 2.23 (2 Nov 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- AU Small Finance Bank Key Fact Statement V-1.9 (2 Nov 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank Credit Card Member Agreement, section 22 Rewards program (16 May 2026) (Reward terms, the bank's own, read 6 Nov 2026)