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AU Bank InstaPay Credit Card

Product Details
Credit Card Name : 

AU Bank InstaPay Credit Card

Bank Name :

AU Small Finance Bank

Type :

Rewards Credit Card

Interest Rate : 

3.49% per month (41.88% annually)

Eligibility :

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.

AU Bank InstaPay Credit Card
Pros
  • Welcome Benefits: None.

  • Reward System: Get 1% cashback on UPI transactions across departmental stores, dining, pharmacy, and grocery & supermarkets. (Maximum INR 100 per statement cycle). 

  • Milestone Benefits: None. 

Cons
  • Low cashback rate.

  • Limited value add benefits.

  • No free movie tickets.

  • No free lounge visits. 

Pros & Cons
Welcome Benefits

Welcome Benefits: None.

Rewards System

Reward System: Get 1% cashback on UPI transactions across departmental stores, dining, pharmacy, and grocery & supermarkets. (Maximum INR 100 per statement cycle). 

International Forex Markup

3.5%

Welcome Benefits and Reward System
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.

Benefits
  • Cashback benefit only.

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
AU Small Finance Bank Instapay Credit Card

Card has just one feature that is cashback. Even that is capped at INR 100. Totally avoidable card

Abhijeet Saxena

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

Product Review
Fees & Charges
  • Joining fees/ Annual membership fee: Lifetime free credit card.

  • Cash Advance fee: 2.5% of amount withdrawn, subject to a minimum of INR 100.

  • Late Payment fees: Rs 0 to INR 1100 for outstanding amount ranging from INR 0 to INR 50,000 + amount.

  • Interest Rate: 3.49% per month (41.88% annually)

  • Foreign Currency Mark up Fees: 3.5%

  • EMI Conversion charges: 1% of the transaction value, subject to min Rs 99.

  • Fuel Surcharge: 1%, waived upto INR 250 per statement cycle. 

Fuel Surcharge

1% Fuel Surcharge Waiver for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (Maximum INR 100 per statement cycle)

Billing Cycle

30 days.

Fees & Charges
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