RuPayentry-level

AU Bank InstaPay Credit Card

AU Small Finance Bank

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Annual Fee

FREE

Cashback

Up to 1%

Lounge Visits

None

Min Income

None

Cashback Details

Category	Cashback Rate	Details
Dining	1%	1% cashback on UPI transactions at dining establishments (min ₹200 per transaction)
Departmental Stores	1%	1% cashback on UPI transactions at departmental stores (min ₹200 per transaction)
Grocery & Supermarkets	1%	1% cashback on UPI transactions at grocery stores and supermarkets (min ₹200 per transaction)
Pharmacy	1%	1% cashback on UPI transactions at pharmacies (min ₹200 per transaction)

Monthly cashback cap: ₹100

Joining FeeFREE

Annual FeeFREE

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (waiver capped at ₹100 per billing cycle)

Min Annual IncomeNo minimum

Age21 - 65 years

EmploymentSalaried & Self-employed

Lifetime free: zero joining fee, zero annual fee with no spend conditions
Virtual card only: no physical plastic card issued; accessible via AU 0101 app and digital channels
1% cashback on UPI transactions at dining, departmental stores, grocery, supermarkets, and pharmacies
Monthly cashback capped at ₹100 per statement cycle
Minimum UPI transaction amount of ₹200 to earn cashback
Credit limit shared with the existing AU Small Finance Bank primary credit card
1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 (waiver capped at ₹100 per billing cycle)
RuPay credit card with UPI support via PhonePe, Google Pay, and other UPI apps
Up to 48-day interest-free credit period
Exclusively available to existing AU Small Finance Bank primary credit cardholders