AU Bank InstaPay Credit Card
AU Bank InstaPay Credit Card
Lifetime free virtual credit card for UPI transactions
1% direct cashback on UPI spends at stores, groceries, pharmacies
1% fuel surcharge waiver (Rs. 4005,000, up to Rs. 100/cycle)
Personalized Match by CredHunt • credhunt.com
Virtual RuPay credit card designed specifically for UPI payments directly from smartphone without physical card
Joining Fee
₹0
Annual Fee
₹0
Rating
5.0/5.0(0 reviews)
Key Features
Lifetime free virtual credit card for UPI transactions
1% direct cashback on UPI spends at stores, groceries, pharmacies
1% fuel surcharge waiver (Rs. 4005,000, up to Rs. 100/cycle)
3.49% foreign currency markup fee
Interest rate of 3.59% per month
Rewards Program
Base Rewards
Reward Type
N/A
Base Reward Rate
0.5% cashback on transactions through other UPI apps, insurance, utility bills, and e-commerce
Point Value
₹0.20/pt
Points Expiry
N/A
Bonus Rewards
Welcome Offer
4,000 reward points within 60 days of fee realization
Accelerated Rewards
No daily capping on rewards; 10X rewards on SmartBuy
Card Benefits
Travel Benefits
16 visits
Priority Pass for primary and add-on cardholders; Club Vistara Silver Tier; MMT Black Elite Membership
Dining & Entertainment
Special dining privileges with complimentary Zomato Gold membership on spending ₹75,000 within first 3 months
2 PVR tickets/month
Lifestyle & Protection
IndianOil offers
Fuel-related insurance
N/A
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | N/A |
| Foreign Currency Markup | N/A |
| Cash Advance Fee | N/A |
| APR | N/A |
| Late Payment Fee | N/A |
| Fuel Surcharge | Waiver up to ₹250 on fuel transactions |
| Balance Transfer Charges | N/A |
Additional Charges
Statement & Processing
Duplicate Statement Charges
N/A
Dynamic Currency Conversion Fee
N/A
EMI Charges
N/A
Loan Processing Fee
N/A
Outstation Processing Charge
N/A
Additional Fees
Overlimit Fees
N/A
Payment Return Charges
N/A
Railway Ticket Purchase Fee
N/A
Card Reissue Fee
N/A
Rent Pay Transactions
N/A
Rewards Redemption Fee
N/A
Fee Waiver Conditions
First-year membership free by spending ₹15,000 within the first 90 days. Renew your membership free by spending ₹75,000 in a year
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
Income proof ₹12L+
Expert Opinion
More affordable option compared to the metal variant with the same benefits; good value for those who don't prioritize the metal construction
Customer Reviews
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Experience the premium benefits of the AU Bank InstaPay Credit Card today.