AU InstaPay Credit Card: Benefits, Charges & How to Apply
Bio
Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.
- 10 Apr 26
- 3 mins
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AU InstaPay Credit Card: Benefits, Charges & How to Apply
Sandipan Mitra- 08 Mins
- 10-04-26
Key Takeaways
- The AU InstaPay credit card is free for life.
- Avail up to 1% cashback on UPI transactions across select categories.
- Get 1% surcharge waiver across all fuel stations in India.
The AU InstaPay is a RuPay-linked lifetime free credit card. It is best suited for making UPI-based transactions. If you are looking to begin your credit card journey, then this card is ideal for you. You can get instant cashback on your UPI spends.
Read on to know more about what the AU InstaPay Credit Card entails.
AU InstaPay Credit Card Benefits
- Cardholders get a 1% cashback on UPI transactions across dining, departmental stores, grocery, supermarkets and pharmacies.
- They can avail a 1% fuel surcharge waiver for transactions done between ₹400 and ₹5,000 across all fuel stations in India.
AU InstaPay Credit Card Charges
| Parameters | Charges |
| Finance Charges | 3.75% monthly or 45% annually |
| Payment Return Charges | 2% or minimum ₹500 |
| Overlimit Charges | 2.5% or minimum ₹500 |
| Duplicate Statement Fee | ₹100 |
| Outstation Cheque Processing Charges | ₹25 |
| Card Transfer Charges | ₹199+GST |
| Reward Redemption Fees | ₹99+GST |
| Late Payment Charges | 15% of the due amount (minimum ₹10 and maximum ₹1,300) |
💡Avoid late payment fees by paying your credit card bills on time with the Pice App. Get monthly reminders, make secure payments and track all your bills in one place!
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How to Apply for the AU InstaPay Credit Card?
Wondering what the ways are to apply for the AU InstaPay Credit Card? Take a look at the two primary ways:
- By Visiting the AU Bank Website
- Visit the official site of AU Small Finance Bank.
- Then click on the Cards> Credit Cards.
- Click on 'Apply Now' on the InstaPay credit card application page.
- Enter your personal details, including full name, mobile number, email and PAN.
- Upload required documents like identity proof, address proof and income proof.
- Review your application and submit it.
- By Visiting the AU Bank Branch
- Visit your nearest AU Small Finance Bank branch with the necessary documents (PAN, Aadhaar, address proof, income proof).
- Ask a bank representative for the InstaPay Credit Card application form.
- Fill in your details in the form and submit it along with copies of your documents.
- The bank staff will process your application and inform you about the approval status.
- After approval, your InstaPay Credit Card will be activated virtually.
💡Stay on top of your credit card journey with the Pice App. Track your credit card bills, make payments and get timely reminders, all in one place!
Footnote
The card comes with a 50-day interest-free window.
FAQs
What are the eligibility criteria for the AU InstaPay Credit Card?
The AU InstaPay credit card is currently only available to existing credit cardholders at AU Small Finance Bank.
What is the joining fee of the AU InstaPay Credit Card?
The AU InstaPay Credit Card is a lifetime free card, which means zero joining charges.
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