If you do not want to carry a debit card and cash with you and you do digital transactions for your daily expenses then you should take an AU Instapay credit card from AU Bank because it is a Rupay credit card and you know. The only thing is that RuPay Credit Card is now easily linked to UPI and you can also earn good cashback on your credit card expenses.
CardType: Cashback, Rupay, Lifetimefree
Features:
- Lifetime Free!: Being a digital card, you do not get it as a physical card, hence the bank provides you this credit card for a lifetime. Many such banks also charge you for digital cards, but with AU banks, you can give this credit card for a lifetime free.
- Effortless Digital Payments: To make digital payments, au Bank provides you with this card as a digital card. You can easily link au bank’s Instapay credit card to any UPI app by scanning any merchant QR code without any additional charge. can make payment.
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Cashback Rewards: This credit card gives you 1% cashback when you spend on food, supermarkets, departmental stores, groceries, etc.
Best Benefits:
- Lifetime free credit card
- Convenient UPI and QR payments
- Cashback rewards on digital spending
Eligibility Criteria?
- Existing Customer Only
- Indian citizen
- 21 to 65 years old
- Good Credit Score
Fees & Charges
- Interest Rates: Standard AU Small Finance Bank credit card interest rates apply to UPI transactions.
- Cash Advance Fee: 2.5% or ₹100 (whichever is higher) for cash advances.
- Over Limit Fee: 2.5% or ₹500 (whichever is higher) for exceeding your credit limit.
- Minimum Payment: 5% of your outstanding balance or ₹100 (whichever is higher).
Other Points to Consider:
- Network: RuPay network acceptance – confirm with the bank if you frequently use merchants with specific network requirements.
- Limited Cashback Categories: Cashback applies only to specific categories.
Pros & Cons
Pros:
- Lifetime Free: You get this credit card for lifetime free which can suit your budget.
- UPI Payments: Safe and secure transactions through any UPI app.
- QR Code Payments: Scan & Pay transactions directly from your credit card with no touches.
- Cashback Rewards: 1% cashback on all partner brands.
- Fuel Surcharge Waiver: You can get a 1% rebate on fuel transactions between ₹400 and ₹5,000.
Cons:
- Limited Eligibility: This credit card is only available to existing customers.
- Low Cashback Rate: 1% cashback on all partner brands, which is lower than other cards.
- Limited Cashback Categories: This card gives you cashback on limited categories only, compared to other cards, the category of this credit card is different.
- No Physical Card: This card may be inconvenient for you in situations where UPI payments are not accepted.
- Standard Interest Rates Apply: If you pay your credit card bill after the due date, you may be charged up to 2.5%
- RuPay Network: RuPay accepted faster than Visa and MasterCard.
Overall
AU Instapay RuPay Credit Card gives you good cashback on digital transactions. If you are an existing customer of AU Bank then you can easily get this card. Apart from being lifetime free and digital, this card also offers you good cashback on your digital spending.
Please Read Our other credit card reviews
- IndusInd Platinum RuPay Credit Card
- AU Bank LIT Credit Card All Details
- AU Altura Credit Card All Details
- CSB Bank EDGE Credit Card
Disclaimer
We have obtained all the information about this credit card from the internet and the bank’s website. If there is any change in the fees, rewards, and other transactions of this credit card in the future, then CredBanking will not take any responsibility for this. You can contact the official website of this card for this. Please visit the page and check its details.
