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InstaPay RuPay Credit Card
AU Small Finance Bank · Entry level
1% cashback on UPI spends at select merchant categories, capped at ₹100 per statement cycle.
- Joining fee
- Free
- Annual fee
- Free
- Waiver spend
- –
- Forex markup
- 3.49%
Fee waiver
No annual fee, so nothing to waive.
Work it out for this card
How the app counts rewards
- 1% cashback on UPI spends at dining, grocery, department stores and pharmacy (₹200+ transactions)
- No cashback on other spends
Who can apply
Virtual card for select existing AU credit cardholders; shares the primary card's limit
Published minimums. Approval is the bank's decision.
Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.
Taken from the bank's page. Rules data version 2026.10.04.
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