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InstaPay RuPay Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
AU Small Finance Bank RuPay Entry

Annual Fee

₹0

Base Rate

0.0%

Reward Type

Cashback

Overview

The InstaPay RuPay Credit Card is a Entry credit card issued by AU Small Finance Bank on the RuPay network. It offers a base reward rate of 0.0% on all spends, with rewards issued as Cashback.

Annual Fee: Lifetime Free
Eligibility: Exclusively for existing AU Bank primary credit cardholders, age 21-60, CIBIL ≥ 750.

Reward Rates & Cashback Rules

  • CATEGORY – Departmental Stores: 1.0% cashback | monthly cap ₹100.0 ⚠️ Cap of ₹100 is shared across all eligible UPI categories (Grocery, Dining, Pharmacy, Departmental Stores).
  • CATEGORY – Grocery: 1.0% cashback | monthly cap ₹100.0 ⚠️ Cap of ₹100 is shared across all eligible UPI categories (Grocery, Dining, Pharmacy, Departmental Stores).
  • CATEGORY – Dining: 1.0% cashback | monthly cap ₹100.0 ⚠️ Cap of ₹100 is shared across all eligible UPI categories (Grocery, Dining, Pharmacy, Departmental Stores).
  • CATEGORY – Pharmacies: 1.0% cashback | monthly cap ₹100.0 ⚠️ Cap of ₹100 is shared across all eligible UPI categories (Grocery, Dining, Pharmacy, Departmental Stores).
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback

Key Features & Benefits

  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000. Capped at ₹100 per statement cycle.
  • Virtual Card for UPI 📱: A virtual-only card designed for secure UPI and QR code payments, managed through the AU 0101 app.
  • Lifetime Free 🎉: This card has no joining fee and no annual renewal fee.

Eligibility Criteria

Exclusively for existing AU Bank primary credit cardholders, age 21-60, CIBIL ≥ 750.

Features & Benefits

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000. Capped at ₹100 per statement cycle.

📱

Virtual Card for UPI

A virtual-only card designed for secure UPI and QR code payments, managed through the AU 0101 app.

🎉

Lifetime Free

This card has no joining fee and no annual renewal fee.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Departmental Stores
Reward: 1.0% Monthly Cap: ₹100.0 Min Spend: ₹200.0
⚠️ Exceptions: Cap of ₹100 is shared across all eligible UPI categories (Grocery, Dining, Pharmacy, Departmental Stores).
1%
Grocery
Reward: 1.0% Monthly Cap: ₹100.0 Min Spend: ₹200.0
⚠️ Exceptions: Cap of ₹100 is shared across all eligible UPI categories (Grocery, Dining, Pharmacy, Departmental Stores).
1%
Dining
Reward: 1.0% Monthly Cap: ₹100.0 Min Spend: ₹200.0
⚠️ Exceptions: Cap of ₹100 is shared across all eligible UPI categories (Grocery, Dining, Pharmacy, Departmental Stores).
1%
Pharmacies
Reward: 1.0% Monthly Cap: ₹100.0 Min Spend: ₹200.0
⚠️ Exceptions: Cap of ₹100 is shared across all eligible UPI categories (Grocery, Dining, Pharmacy, Departmental Stores).
1%
Fuel Exclusion
Rent Exclusion
Wallet Load Exclusion
EMI Exclusion

Value Chart

Assuming basic spends for InstaPay RuPay Credit Card

Category InstaPay RuPay Credit Card Axis Bank Neo Credit Card LIC Axis Bank Platinum Credit Card Axis Bank Kwik Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹0 ₹250 ₹0 ₹0
🌍
Forex Markup 		3.49% 3.5% 3.5% 3.5%
%
Base Rate 		0.0% 0.5% 1.0% 1.0%
★
Known Rules 		8 rules 11 rules 11 rules 11 rules

Pros & Cons

✓

Pros

  • + Departmental Stores — 1.0% Cashback (cap ₹100.0)
  • + Grocery — 1.0% Cashback (cap ₹100.0)
  • + Dining — 1.0% Cashback (cap ₹100.0)
  • + Pharmacies — 1.0% Cashback (cap ₹100.0)
  • + Fuel Surcharge Waiver
  • + Virtual Card for UPI
  • + Lifetime Free
✗

Cons

  • − No reward on Fuel
  • − No reward on Rent
  • − No reward on Wallet Load
  • − No reward on EMI
  • −Forex markup of 3.49% on international spends
  • −Relatively low base reward rate of 0.0%

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹0

Annual Fee

₹0

Net Value

+₹0

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.49% markup adds up fast
  • › You want straightforward cashback — the reward rate of 0.0% is thin
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The AU InstaPay RuPay Credit Card is lifetime free, with no joining fee and no annual fee.

You can earn 1% cashback on select UPI spends (grocery, dining, pharmacies, departmental stores), capped at a total of ₹100 per statement cycle across all these categories.

This card is exclusively offered to existing AU Small Finance Bank primary credit cardholders who meet the bank's internal criteria, typically requiring a CIBIL score of 750 or higher.

No, the AU InstaPay RuPay Credit Card does not offer any complimentary airport lounge access.

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