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AU Bank InstaPay Credit Card
Rewards & Benefits
Welcome Benefits
Milestone Benefits
Cashback Rate
Users will get 1% cashback on UPI transactions across departmental stores, dining, pharmacy, and grocery & supermarkets. (Maximum INR 100 per statement cycle).
Movie Benefits
Dining Benefits
Reward System: Users will receive 1% cashback on UPI transactions across departmental stores, dining, pharmacy, and grocery & supermarkets. (Maximum Rs 100 per statement cycle).
Other Benefits
Lounge Access
Rewards & Benefits
Welcome Benefits
Milestone Benefits
Cashback Rate
Users will get 1% cashback on UPI transactions across departmental stores, dining, pharmacy, and grocery & supermarkets. (Maximum INR 100 per statement cycle).
Movie Benefits
Dining Benefits
Reward System: Users will receive 1% cashback on UPI transactions across departmental stores, dining, pharmacy, and grocery & supermarkets. (Maximum Rs 100 per statement cycle).
Other Benefits
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Lounge Access
Fees & Charges
Joining Fee
s/ Annual membership fee: Lifetime free credit card.
Annual Fee
0
Cash Advance Fee
Cash Advance fee: 2.5% of amount withdrawn, subject to a minimum of INR 100.
Interest rate
Interest Rate: 3.49% per month (41.88% annually)
Late Payment Fee
Late Payment fees: Rs 0 to INR 1100 for outstanding amount ranging from INR 0 to INR 50,000 + amount.
Foreign Currency Transactions Fee
Foreign Currency Mark up Fees: 3.5%
Other Fees
EMI Conversion charges: 1% of the transaction value, subject to min Rs 99. | Fuel Surcharge: 1%, waived upto INR 250 per statement cycle.
Fees & Charges
Joining Fee
s/ Annual membership fee: Lifetime free credit card.
Annual Fee
0
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 3.49% per month (41.88% annually)
Late Payment Fee
Late Payment fees: Rs 0 to INR 1100 for outstanding amount ranging from INR 0 to INR 50,000 + amount.
Foreign Currency Transactions Fee
Foreign Currency Mark up Fees: 3.5%
Other Fees
EMI Conversion charges: 1% of the transaction value, subject to min Rs 99. | Fuel Surcharge: 1%, waived upto INR 250 per statement cycle.
Special Features
None.
Eligibility Criteria
Primary cardholder between the age of 21 years and 60 years.
Add-on cardholder should be over 18 years.
Indian citizen.
Applicant needs to be an existing credit card holder of AU Bank.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Here are the steps on how to apply for the AU Finance Bank Instapay Credit Card:
Go to the AU Finance Bank website and click on the "Apply for Credit Card" link.
Select the "Instapay Credit Card" from the list of credit cards.
Enter your personal details, such as your name, address, and contact information.
Upload a copy of your PAN card and recent salary slip.
Submit your application.
AU Finance Bank representative will contact you to verify your details and approve your application. Once your application is approved, you will receive your credit card in the mail within 7-10 working days.
Contact Details
Toll Free No: 1800 1200 1200
1800 26 66677
Email: customercare@aubank.in
Account Opening and Procedure
Card has just one feature that is cashback. Even that is capped at INR 100. Totally avoidable card
Card has just one feature that is cashback. Even that is capped at INR 100. Totally avoidable card
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai