What is the annual fee for the AU Small Finance Bank InstaPay?

The AU Small Finance Bank InstaPay is a lifetime-free credit card with no joining or annual fee.

Does the AU Small Finance Bank InstaPay offer airport lounge access?

The AU Small Finance Bank InstaPay does not include complimentary airport lounge access.

What rewards does the AU Small Finance Bank InstaPay earn?

It earns 1% on eligible spends as Cashback.

InstaPay — AU Small Finance Bank Credit Card

Airport Lounge Access

Domestic & international access details and eligibility criteria

No airport lounge access included on this card.

Not available

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹100CAP

Dining₹5,000/mo

+₹50

Grocery₹8,000/mo

+₹80

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹50

Online Shopping₹8,000/mo

+₹80

Utilities₹3,000/mo

+₹30

Annual earnings

₹4,680

Blended 0.75% effective return

Monthly spend₹52,000

Monthly earnings+₹390

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

Virtual RuPay UPI credit card, lifetime free. Exclusively available to existing AU Bank credit card holders. 48-day interest-free period. No lounge access. Min transaction Rs.200 for cashback (per user comment, not official).

InstaPay

Airport Lounge Access

Earnings Projection

Notes

Benefits & Perks

Rewards

Forex

Travel

Payments