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Premium Decision Grade Catalog
AU SMALL FINANCE BANK LIMITED
AU Bank InstaPay Credit Card
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Verified Catalog
Source: AU SMALL FINANCE BANK LIMITED Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Virtual RuPay credit card designed specifically for UPI payments directly from smartphone without physical card
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Lifetime free virtual credit card for UPI transactions
Highlight 2
1% direct cashback on UPI spends at stores, groceries, pharmacies
Highlight 3
1% fuel surcharge waiver (Rs. 4005,000, up to Rs. 100/cycle)
Highlight 4
3.49% foreign currency markup fee
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
Free
The front-loaded charge when you apply.
Annual fee
Free
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: Free100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"16 visits"
Hotel Privileges
"Priority Pass for primary and add-on cardholders; Club Vistara Silver Tier; MMT Black Elite Membership"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Income proof ₹12L+"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"More affordable option compared to the metal variant with the same benefits; good value for those who don't prioritize the metal construction"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Base Rate: 0.5% cashback on transactions through other UPI apps, insurance, utility bills, and e-commerce
- RP to Rupees: ₹0.20/pt
- Accelerated Rewards Program: No daily capping on rewards
- 10X rewards on SmartBuy
Cons
- Welcome Offer: 4,000 reward points within 60 days of fee realization
- Domestic Airport: 16 visits
- Club Vistara Silver Tier
- MMT Black Elite Membership
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Customer Reviews
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