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AU Bank InstaPay Credit Card

AU Bank InstaPay Credit Card

उत्पाद विवरण
Joining Fee: 

Renewal Fee: 

Card Type:

Reward Type:

Welcome Benefits:
0

Rewards & Benefits

Welcome Benefits

 On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.

Milestone Benefits

annual fee reversal on spending inr 1,00,000 on the card.

Cashback Rate

cashback rate: 1. cashback rate: 1. cashback rate: 0.

Lounge Access

0

Movie Benefits

8

Dining Benefits

Other Benefits

reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.

दोष
  • Low cashback rate.

  • Limited value add benefits.

  • No free movie tickets.

  • No free lounge visits. 

  • Welcome Benefits: None.

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

  • Milestone Benefits: None. 

पक्ष विपक्ष
Welcome Benefits

None

पुरस्कार प्रणाली
  • Users will get 1% cashback on UPI transactions across departmental stores, dining, pharmacy, and grocery & supermarkets. (Maximum INR 100 per statement cycle). 

अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

3.5%

स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

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.

फ़ायदे
  • Cashback benefit only.

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
  • 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.

सम्पर्क करने का विवरण

Toll Free No: 1800 1200 1200
1800 26 66677
Email: customercare@aubank.in

खाता खोलने की प्रक्रिया और प्रक्रिया

विशेष विशेषता, पात्रता और लाभ

Pros:-

Change the text to include your own content. Adjust the font, size or scale to customize the style.

Cons:-

  • Welcome Benefits: None.

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

  • Milestone Benefits: None. 

  • Low cashback rate.

  • Limited value add benefits.

  • No free movie tickets.

  • No free lounge visits. 

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

AU Small Finance Bank Instapay Credit 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

उत्पाद समीक्षा
फीस एवं प्रभार
  • 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. 

ईंधन अधिशुक्ल

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.

फीस एवं प्रभार
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