AU InstaPay
AU Small Finance Bank
Last updated: Feb 03, 2026
₹0
₹0
3.5%
No lounge access
Contents
AU InstaPay is a lifetime free RuPay credit card designed specifically for UPI and QR payments. It lets you link your credit card to popular UPI apps and pay using your existing smartphone. You earn 1% cashback on everyday UPI spends at eligible merchant categories like groceries, dining, pharmacies and supermarkets. As a virtual-only card that shares limit with your primary AU credit card, it is ideal for building rewards on daily digital payments without extra fees.
Features of AU InstaPay which makes it unique
Lifetime Free UPI Credit Card
Enjoy a RuPay UPI credit card with no joining or annual fees.
Earn cashback on routine UPI spends without paying yearly charges.
Ideal low-cost UPI credit card compared to many paid alternatives.
Instant Virtual Issuance
Get your InstaPay card instantly in the AU 0101 app after approval.
Start making UPI and QR payments immediately without waiting for physical delivery.
Faster access than traditional physical credit cards.
Rewards Structure of AU InstaPay
UPI Eligible Categories
baseUPI payments at Departmental Stores, Grocery Stores, Supermarkets, Restaurants and Eating Places, and Pharmacy Stores; transaction value ≥ ₹200.
Best suited for everyday UPI spends on groceries, dining and medicines; cashback is credited as statement credit.
Other UPI Transactions
baseUPI payments at merchant categories outside the eligible MCC list.
Transactions at non-eligible MCCs do not earn cashback; use InstaPay mainly where cashback is applicable.
Fees & Charges of AU InstaPay
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Lifetime free; no annual or renewal fee.
Fee Explanation Typical AU Small Finance Bank charges apply: 2.5% cash withdrawal fee (min ₹500), overlimit fee 2.5% of overlimit amount (min ₹500), and late payment fee up to ₹1,300 based on outstanding balance.
Detailed Explanation of AU InstaPay Fees
Joining Fee: ₹0 (one-time)
Nil joining fee; lifetime free card.
Annual / Renewal Fee: ₹0 (yearly)
No annual or renewal fee for the card.
Cash Withdrawal Fee: 2.5% (transaction)
2.5% of amount withdrawn, minimum ₹500, plus finance charges from date of withdrawal.
Overlimit Fee: 2.5% (event)
2.5% of overlimit amount, subject to a minimum of ₹500.
Late Payment Fee: Up to ₹1,300 (statement)
Slab-based as per AU Small Finance Bank schedule, depending on total outstanding.
Foreign Transaction Fee: 3.5% (transaction)
Markup on international transactions, plus applicable taxes.
Insurance Coverage with AU InstaPay
Lost Card Liability
As per AU Small Finance Bank credit card policyApplicable from time of reporting loss to the bank; subject to terms and conditions.
Additional Features of AU InstaPay
Virtual Only Credit Card
Card exists only in digital form and is accessible via AU 0101 app, chatbot, IVR and website.
No physical plastic card is issued.
UPI and QR Payments
Link the RuPay credit card to supported UPI apps and pay via QR codes at merchants.
Only domestic UPI merchants are supported as per RBI and NPCI guidelines.
Shared Credit Limit
InstaPay shares the overall credit limit with your existing AU primary credit card.
Credit limit is allocated at bank’s discretion based on profile and existing limit.
Welcome Bonus with AU InstaPay
Welcome Bonus: Instant virtual credit card access for UPI payments from day one.
Bonus Conditions: Available only to eligible existing AU Small Finance Bank credit cardholders; no separate monetary welcome benefit.
Application Process for AU InstaPay
Processing Time
Instant issue for eligible existing AU credit cardholders via AU 0101 app.
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Login to AU 0101 app or internet banking with your existing AU Small Finance Bank credit card credentials.
Navigate to the Credit Cards section and select AU InstaPay RuPay Credit Card.
Review eligibility, terms and conditions and submit your consent.
On approval, your virtual InstaPay card is generated instantly and can be linked to UPI apps.
Start using the card for UPI and QR payments and track spends in the AU 0101 app.
Required Documents for AU InstaPay
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
AU InstaPay Merchant Acceptance Network
Domestic Acceptance
Widely accepted for UPI and QR payments at domestic RuPay-enabled merchants.
International Acceptance
UPI-linked RuPay credit cards are currently restricted to domestic merchant transactions.
Online Acceptance
Can be used for domestic online UPI payments where RuPay Credit Card on UPI is supported.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for AU InstaPay
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian resident only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Available only to existing AU Small Finance Bank primary credit cardholders with a good repayment history; KYC with valid PAN and Aadhaar required.
How Approval Is Decided
- Existing AU Small Finance Bank primary credit cardholder.
- Good repayment track record and acceptable internal credit score as per bank policy.
- KYC and mobile number updated with the bank and UPI application.
Pros of AU InstaPay
- Lifetime free card with zero joining and annual fees.
- Earn 1% cashback on eligible UPI spends at everyday merchant categories.
- Fuel surcharge waiver up to ₹100 per statement cycle.
- Instant virtual issuance and easy linking with popular UPI apps.
- Good option for beginners starting their credit card journey through UPI.
Cons of AU InstaPay
- No airport lounge access or premium lifestyle benefits.
- Cashback is capped at ₹100 per statement cycle, limiting value for heavy spenders.
- No rewards on non-UPI transactions or spends outside eligible merchant categories.
- Virtual-only card may not suit users who prefer a physical credit card.
Frequently Asked Questions about AU InstaPay
Is AU InstaPay a lifetime free credit card?
Yes, AU InstaPay is a lifetime free RuPay credit card with zero joining and annual fees.
What cashback can I earn with the AU InstaPay Credit Card?
You earn 1% cashback on eligible UPI transactions at departmental stores, grocery stores, supermarkets, restaurants and pharmacies, capped at ₹100 per statement cycle.
Is AU InstaPay a physical or virtual credit card?
AU InstaPay is a virtual-only credit card. It is available in the AU 0101 app and other digital channels, and no physical plastic card is issued.
Who is eligible to apply for the AU InstaPay Credit Card?
The card is currently available only to select existing AU Small Finance Bank primary credit cardholders who meet the bank’s internal eligibility and credit criteria.
Can I link AU InstaPay to UPI apps like Google Pay, PhonePe and Paytm?
Yes, as a RuPay credit card, AU InstaPay can be linked to supported UPI apps such as Google Pay, PhonePe and Paytm, subject to NPCI and RBI guidelines.
Do I get an interest-free period on AU InstaPay transactions?
Yes, AU InstaPay offers an interest-free period of up to 48 days on eligible transactions, provided you pay your total outstanding by the due date.
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