cashback

AU InstaPay RuPay Credit Card

A lifetime-free companion card for existing AU cardholders who want cashback on RuPay credit-card UPI payments.

Annual Fee
Lifetime Free
Rewards
1% cashback on eligible UPI spends at departmental stores, dining, pharmacies, grocery stores and supermarkets; minimum ₹200 transaction; capped at ₹100/statement cycle
Lounge Access
No
Fuel Waiver
1% on fuel transactions between ₹400 and ₹5,000; current product page does not specify a monetary cap
Milestone
Not confirmed
Best For
Existing AU cardholders who frequently make merchant UPI payments
Welcome Offer
Not confirmed
Type
Cashback
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Description

The AU InstaPay RuPay Credit Card is a lifetime-free virtual credit card primarily designed as a UPI companion for existing AU Small Finance Bank credit-card customers. It earns 1% cashback on eligible UPI transactions at departmental stores, restaurants, pharmacies, grocery stores and supermarkets, provided the transaction is at least ₹200, with cashback capped at ₹100 per statement cycle. As a RuPay card it can be linked to compatible UPI applications for merchant QR payments. AU also advertises a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 and an interest-free period of up to 50 days. The card is currently available only to a select base of existing AU credit-card holders.

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