AU InstaPay RuPay Credit Card

AU Small Finance Bank · Lifetime free

A free RuPay card for UPI payments, with a small capped cashback at everyday stores.

What AU InstaPay RuPay Credit Card really returns

On a typical ₹50,000 a month of card spend, with points counted as cashback, AU InstaPay RuPay Credit Card returns about ₹1,200 a year after its fee (0.2% of spend). That ranks 219 out of 260 cards SahiCard can score. Earns most on groceries (₹565) and upi payments (₹353). Put in your own spending to see your figure, with the working shown.

Best credit cards for ₹50,000 a month · All guides

Base rate: 0% cashback.

What the bank says

• 1% cashback on UPI payments at departmental stores, dining, pharmacy and grocery stores, up to ₹100 a statement
• Lifetime free RuPay card that links to UPI apps
• 1% fuel surcharge waiver

Where it pays more

• 1% cashback on UPI payments at departmental stores, dining, pharmacy and grocery stores, up to ₹100 a statement

Things that catch people out

• The cashback stops at ₹100 a statement, which is ₹10,000 of spending, and applies only to UPI payments in the named store types. Everything else earns nothing.

Joining fee: ₹0. Foreign currency markup: not published.

The facts

• Annual fee: none, free forever
• Fee waived at: no fee to waive
• Domestic lounge visits: not published
• Minimum income: not published

Read from AU Small Finance Bank’s own page on 2026-10-06.

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