AU Bank InstaPay Credit Card

Earn cashback effortlessly with AU Bank’s InstaPay Virtual Credit Card for UPI transactions. No need to carry a physical card – pay seamlessly from your smartphone. This lifetime free credit card is perfect for beginners or those wanting instant UPI cashback.

Embrace the norm of UPI transactions with 1% cashback on dining, supermarkets, departmental stores, and groceries. The AU Bank InstaPay Credit Card simplifies payments with a QR card, ideal for today’s diverse shopping experiences. Whether at malls or with street vendors, this RuPay Credit Card ensures convenient QR payments wherever you go.

Key Highlights of AU Bank InstaPay Credit Card

Unlock unparalleled benefits with the AU Bank InstaPay Credit Card.

  1. Lifetime Free Card: The AU Bank Insta Pay Credit Card comes with no annual fees.
  2. Seamless UPI Transactions: Enjoy effortless UPI transactions for added convenience.
  3. Virtual Card Advantage: Experience enhanced convenience with this virtual credit card.
  4. 48-Day Interest-Free Period: Benefit from a generous interest-free period of 48 days.
  5. Earn Cashback: Get 1% cashback on eligible UPI spends, adding value to your transactions.

Features and Benefits of AU Bank InstaPay Credit Card

The AU Bank InstaPay Credit Card offers several features and benefits:

1. Cashback Feature:

  • Earn 1% cashback on UPI transactions at Departmental Stores, Dining, Pharmacy, and Grocery & Supermarkets.
  • Maximum ₹100 cashback per statement cycle.

2. Lifetime Free Card:

  • Experience the convenience of a Lifetime Free Credit Card with AU InstaPay.
  • Enjoy benefits without any annual fees.

3. Interest Free Period:

  • Avail up to 48 days of interest-free breathing space on every AU InstaPay transaction.
  • Manage your finances on your terms with extended grace periods.

4. Fuel Surcharge Waiver:

  • Get a 1% Fuel Surcharge Waiver for fuel transactions between INR 400 and INR 5,000.
  • Applicable at all fuel stations nationwide, with a maximum waiver of INR 100 per statement cycle.

5. Scan and Pay:

  • Effortlessly scan any merchant’s QR code.
  • Make instant payments using your preferred UPI application.

AU Bank InstaPay Credit Card Fees and Charges

Explore the fee structure for the AU Bank InstaPay Credit Card and discover the financial advantages that come with it.

  1. Joining Fee: Nil
  2. Renewal Fee: Nil
  3. Spend Based Waiver: N/A
  4. Rewards Redemption Fee: N/A
  5. Foreign Currency Markup: 3.49%
  6. Interest Rates: 3.59% per month (43.08% annually)
  7. Fuel Surcharge: 1% waiver on fuel transactions between Rs. 400 to Rs. 5,000
  8. Cash Advance Charges: N/A
  9. Late Payment Charges:
  • Less Than Rs. 100: Nil
  • Rs. 100 to Rs. 500: Rs. 100
  • Rs. 500 to Rs. 5,000: Rs. 500
  • Rs. 5,000 to Rs. 10,000: Rs. 700
  • Rs. 10,000 to Rs. 20,000: Rs. 800
  • Rs. 20,000 to Rs. 50,000: Rs. 900
  • Above Rs. 50,000: Rs. 1,100

Eligibility Criteria for AU Bank InstaPay Credit Card

Here are essential criteria for applying for an AU Bank InstaPay Credit Card:

  1. Indian citizenship is a prerequisite.
  2. Applicants must be at least 21 years old.
  3. A respectable credit score is mandatory for credit card eligibility.
  4. A steady income source is essential for successful application.

How to apply for AU Bank InstaPay Credit Card

Follow these steps to apply for the AU Bank InstaPay Credit Card online:

  1. Visit AU Bank Website:
    Go to the official website of AU Bank. Navigate to the credit cards section.
  2. Explore Credit Card Options:
    Review the features and benefits of the AU Bank InstaPay Credit Card to ensure it meets your needs.
  3. Check Eligibility:
    Verify the eligibility criteria for the credit card. This may include factors such as age, income, and credit score.
  4. Complete Online Application:
    Fill out the online credit card application form. Provide accurate personal, contact, and financial information.
  5. Submit Documents:
    Upload the required documents, including identity proof, address proof, income proof, and any other documents specified by AU Bank.
  6. Review Terms and Conditions:
    Read and understand the terms and conditions associated with the credit card, including fees, interest rates, and other relevant details.
  7. Agree to Terms:
    Agree to the terms and conditions by providing your consent. This is typically done by checking a box or clicking a button.
  8. Application Submission:
    Submit the completed application form along with the necessary documents.
  9. Application Processing:
    AU Bank will review your application and documents. This may take some time, so be patient.
  10. Verification Call/Visit:
    Expect a verification call or visit from AU Bank representatives for additional checks.
  11. Credit Approval:
    Once your application is approved, you will receive the credit card. The approval time may vary.
  12. Activate the Card:
    Follow the instructions provided to activate your AU Bank InstaPay Credit Card.

Frequently Asked Questions (FAQs) -

AU Bank InstaPay Credit Card is a unique credit card offered by AU Small Finance Bank that comes with instant approval and quick issuance. It is designed to provide customers with a hassle-free credit experience.

You can apply for AU Bank InstaPay Credit Card online through the bank’s official website or by visiting a nearby AU Small Finance Bank branch. The application process is straightforward and involves minimal documentation.

The key features include instant approval, quick issuance, competitive interest rates, flexible credit limits, and a user-friendly online portal for managing your credit card account.

AU Bank InstaPay Credit Card offers instant approval, meaning you will receive a decision on your application within minutes.

Eligibility criteria may vary, but generally, applicants need to meet certain age, income, and credit score requirements. AU Bank will provide detailed information on eligibility criteria during the application process.

The credit limit depends on various factors, including your income, credit history, and the bank’s internal policies. AU Bank strives to offer competitive and flexible credit limits to suit your financial needs.

You can check your credit card balance through the AU Bank mobile app, internet banking, or by contacting the bank’s customer service. The bank also provides monthly statements detailing your transactions and outstanding balance.

AU Bank will provide a detailed schedule of fees and charges at the time of application. These may include annual fees, interest rates, late payment charges, and other relevant fees.

AU Bank InstaPay Credit Card may come with a rewards program that allows you to earn points on your transactions. These points can be redeemed for various benefits, including discounts, vouchers, or merchandise.

You can contact AU Bank’s customer support through the dedicated helpline provided on the back of your credit card or visit the bank’s website for contact details. Additionally, you can reach out to the bank through its official social media channels or visit a local branch for assistance.