AU InstaPay
AU Small Finance Bank · Checked 2026-10-09
AU InstaPay is a no-annual-fee option centred on shopping rewards, dining rewards and straightforward cashback.
CardIQ editorial view
Our take
AU InstaPay is a no-annual-fee option centred on shopping rewards, dining rewards and straightforward cashback.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise dining rewards.
- People who prefer keeping a card without an annual membership cost.
Key strengths
- 1% cashback on eligible merchant UPI purchases of ₹200 or more.
Trade-offs to understand
- Available only to eligible existing AU credit-card holders; this is a supplementary card with a shared credit limit.
- Eligible categories include dining, departmental stores, pharmacies, groceries and supermarkets; cashback capped at ₹100 per statement cycle.
- Virtual-only RuPay card shares the credit limit with an eligible existing AU primary credit card.
CardIQ verdict
A sensible long-term choice when you want shopping rewards, dining rewards and straightforward cashback without a recurring membership charge. Check this condition before applying: Available only to eligible existing AU credit-card holders; this is a supplementary card with a shared credit limit.
Compare before deciding
- Fibe Axis Bank Credit Card — A similarly priced alternative for comparing shopping rewards and dining rewards.
- HSBC RuPay Cashback — A higher-fee option to compare for broader benefits around shopping rewards and dining rewards.
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Benefits, limits and conditions
- Available only to eligible existing AU credit-card holders; this is a supplementary card with a shared credit limit.
- Eligible categories include dining, departmental stores, pharmacies, groceries and supermarkets; cashback capped at ₹100 per statement cycle.
- Virtual-only RuPay card shares the credit limit with an eligible existing AU primary credit card.