Cards / AU Small Finance

AU Small FinanceInstaPay RuPayRuPay

InstaPay RuPay Credit Card

AU Small Finance Bank · Entry level

Reviewed by Chandan Kumar Dash

1% cashback on UPI spends at select merchant categories, capped at ₹100 per statement cycle.

Saved only in this browser. Sale pages then show your own best card.

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. See every card you qualify for.

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 2026.10.06-0001.

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