AU InstaPay Rupay Credit Card
The AU InstaPay RuPay Credit Card is a lifetime-free virtual credit card that links to any UPI app for instant scan-and-pay at merchant QR codes. Earn 1% cashback on UPI spends at departmental stores, dining, pharmacy and grocery, enjoy a 1% fuel surcharge waiver and up to 50 days interest-free credit. No joining or annual fee. Apply online today
Smart Analysis
Fee Waiver Logic
If your yearly spends cross the waiver limit, this card practically becomes FREE while still giving premium cashback returns.
Redemption
This is a cashback card, and the earned cashback is adjusted directly in your monthly statement
All Card Benefits
Detailed reward structure and cashback analysis
Earn 1% Cashback on UPI Spends at Departmental Stores
grocery stores and supermarkets on transactions of ₹200 or more capped at ₹100 per statement cycle
Earn 1% Cashback on UPI Spends at Departmental Stores
grocery stores and supermarkets on transactions of ₹200 or more capped at ₹100 per statement cycle
Get 1% Cashback on UPI Payments at Restaurants
& eating places and pharmacy stores on transactions of ₹200 or more within the ₹100 monthly cashback cap
Get 1% Cashback on UPI Payments at Restaurants
& eating places and pharmacy stores on transactions of ₹200 or more within the ₹100 monthly cashback cap
| Age Criteria | 21-60 years |
| Salaried Income | ₹3 LPA |
| Self Employed Income | ₹3 LPA |
| CRIF Score | 720+ |
| Income Comment |