AU Bank InstaPay Credit Card
AU Bank InstaPay Credit Card from AU Small Finance Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Lifetime free | Reward type: Cashback | Best for: Shopping, Dining, Grocery
Estimated value per Rs 100 of eligible spend.
AU Bank InstaPay Credit Card Overview
AU Bank InstaPay Credit Card is an AU Small Finance Bank credit card. Base reward value is about Rs 1 per Rs 100 of eligible spend. Zlash checks boosted categories like dining, grocery, partner brands along with caps and exclusions.
Best For
AU Bank InstaPay Credit Card is most useful when your spends regularly fall into dining, grocery, partner brands.
Rewards
dining
1x the base reward rate.
Monthly cap: Rs 100
grocery
1x the base reward rate.
Monthly cap: Rs 100
partner brands
1x the base reward rate.
Monthly cap: Rs 100
Not Good For
- International transactions if you need low forex markup; this card lists 3.49% markup.
Lifestyle Benefits
Movies and dining: Movie and dining benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
3.49% foreign currency markup.
Zlash Verdict
Choose this card when shopping, dining, grocery match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of AU Bank InstaPay Credit Card?
The listed annual fee is Lifetime free.
What is AU Bank InstaPay Credit Card best used for?
AU Bank InstaPay Credit Card is most useful when your spends regularly fall into dining, grocery, partner brands.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.