AU Bank InstaPay Credit Card: Features and Benefits

Summary

AU Bank InstaPay Credit Card is a lifetime free virtual RuPay credit card suitable for digital cashless transactions. It supports connecting the card to UPI applications such as Google Pay, PhonePe, and Paytm for seamless payment through their credit card without a debit card or money in the bank.

One of the most significant advantages of it is 1% cashback on UPI spends at participating merchants such as supermarkets, restaurants, and grocery stores up to ₹100 a billing cycle. Additionally, it offers a waiver of 1% fuel charge on fuel spent in the range of ₹400 and ₹5,000 with a ceiling of ₹100 per cycle.

Being a lifetime-free credit card, consumers do not have to worry about joining charges or annual charges, making it a low-cost solution for consumers in search of a low-cost credit card. The card is contactless-enabled too, enabling customers to tap and pay for purchases securely. The card features added security to combat fraud and give a secure and seamless digital payment experience.

Introduction

AU Bank has come up with a special digital credit card, AU InstaPay Card, for customers, which is an ideal choice for all those who would like to have the facility of quick and safe online payments. In the modern age, where the trend of digital payments is increasing at a fast pace, such credit cards not only make shopping convenient but also give a new twist of financial comfort and security to individuals’ lives.

AU InstaPay Credit Card is crafted in such a way that you can make your payments fast and hassle-free. The unique feature is that the Bank InstaPay Card is digital and you do not require a physical card to avail of it. You can obtain AU Bank InstaPay Credit Card with a few clicks on AU Bank’s mobile banking app or internet banking and use it instantly. AU Bank InstaPay Card provides you with the convenience of making payments at any time and from anywhere.

If you love to shop online and like making payments through digital means, then AU Bank InstaPay Credit Card can be a very good choice for you. AU InstaPay Credit Card not only enables you to make quicker payments, but it also offers you various benefits and security.

In this article today, we will tell you in detail about the AU Bank InstaPay Card. In which we will inform you in detail about its advantages. Along with this, in this article, we will also inform you about the charges of AU InstaPay Credit Card and will also tell you in detail how to apply for it. So read this article till the end so that you do not face any issues later.

What is the AU Bank InstaPay Credit Card?

The credit card is a digital credit card designed by AU Bank for its customers. The AU Bank InstaPay credit card works completely online, allowing you to make all kinds of online purchases and payments without having to carry a physical card.

It can be accessed online instantly via AU Bank’s internet banking or mobile app. The AU InstaPay credit card provides instant, secure, and convenient payments as well as a series of attractive offers and cashbacks. It is a good choice for customers who like making digital payments.

What is the design of the AU Bank InstaPay Credit Card?

The AU InstaPay Card is a digital, free-for-life credit card designed for easy digital payment. It is a RuPay-powered card that gets combined with UPI apps, allowing one to pay using a QR code from their credit card directly.

The card offers 1% cashback on certain UPI transactions, fuel surcharge waivers, and easy linking with the most used UPI platforms like Google Pay, PhonePe, and Paytm. Its ease of use makes it an ideal choice for those who prefer cashless payments with rewards.

What are the benefits of the AU Bank InstaPay Credit Card?

Here are the key benefits of real reward points:

1. UPI Payments Through Credit Card

• You can link this RuPay credit card to UPI apps like Google Pay, PhonePe, and Paytm to make payments with ease.

2. 1% Cashback on UPI Transactions

• Earn 1% cashback on UPI transactions made at grocery stores, supermarkets, and restaurants.

• Maximum cashback: ₹100 per statement cycle.

3. Fuel Surcharge Waiver

• Benefit from a 1% fuel surcharge exemption on transactions in the range of ₹400 to ₹5,000.

• Highest reward: ₹100 per billing cycle.

4. Lifetime Free Card

• Free from annual charges and joining charges, making it a cost-effective credit card.

5. Contactless & Secure Payments

• Welcomes tap-and-pay for convenient transactions.

• With improved security to protect against fraud.

What are the fees for the AU Bank InstaPay Credit Card?

Here is a simple AU Bank Credit Card fee breakup.

Joining Fee	NIL
Annual Fee	NIL
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an AU Bank InstaPay Credit Card?

The following are the primary requirements:

1. You must be between 18 and 70 years old to apply for the AU InstaPay Credit Card.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1 lakhs usually does the job.

3. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for AU Bank to favor borrowers with a better credit score usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get an AU Bank InstaPay Credit Card?

The documents that you will have to submit to Get a Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employe Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the AU Bank InstaPay Credit Card be used?

Here is the list of places where you can use it:

• With the AU InstaPay Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your AU InstaPay Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Xigo AU Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the AU Bank InstaPay Credit Card?

The credit amount you can spend is what you are provided with an AU InstaPay Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.

How do you apply for an AU Bank InstaPay Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the AU Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by AU Bank; for instance, you can choose the AU Bank InstaPay Card.

• Just hover your cursor on the AU InstaPay Credit Card, followed by selecting ‘Apply Now’ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest AU Bank branch to apply for the AU InstaPay Credit Card.

• Request for the credit card application form for the AU InstaPay Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the AU InstaPay Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the AU Bank Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an AU Bank InstaPay Credit Card in 2025 be right?

Yes, getting an AU Bank InstaPay Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

AU Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

AU Bank InstaPay Credit Card is a modern and convenient digital solution that meets the needs of customers in today’s digital age. Its many features make it a unique and beneficial option. Firstly, as it is completely digital, customers do not need any type of physical card. Through AU InstaPay Credit Card, you can make all your online purchases, bill payments, and other transactions easily and quickly.

The biggest feature of AU InstaPay Credit Card is that it is very easy to get. The AU InstaPay Credit Card is available instantly to existing customers of AU Bank, while the process is very smooth for new customers as well. This proves that AU Bank prioritizes the convenience of its customers.

Apart from this, the AU Bank InstaPay Credit Card gives you both security and speed. It uses high-security standards, which keep your transactions safe. You don’t have to worry about fraud when using the AU Bank InstaPay credit card.

Frequently Asked Questions (FAQ’s)