Virtual Lifetime Free Credit Card with 1% Cashback on UPI Online Checkouts
AU Bank savings account holders, digital shoppers, and consumers seeking an instant, zero-maintenance virtual credit card for safe e-commerce transactions.
Free
One-time upfrontFree
Lifetime Free — no renewal fee1% cashback on UPI merchant transactions across grocery, dining, and pharmacy
On eligible spends3.49% + GST
Cross-currency spendsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The AU Bank InstaPay Credit Card is an agile, virtual-only credit card designed by AU Small Finance Bank to meet the demands of fast-paced digital shoppers. Engineered as a permanent Lifetime Free (LTF) financial tool, it carries ₹0 joining fee and ₹0 annual fee with no minimum spend hurdles or conditions. Generated instantly inside the AU 0101 mobile banking application, cardholders gain immediate access to virtual card credentials (16-digit PAN, expiry, and dynamic CVV) for online checkouts, food delivery, ride-hailing, and subscription payments. Cardholders earn 1% cashback on all qualifying online merchant transactions, which is automatically credited to the monthly statement. Security is a primary focus: cardholders can freeze, set category limits, or regenerate their dynamic CVV with a single tap in the AU 0101 app, preventing recurring billing issues or merchant data leak vulnerability. The card also features a 1% fuel surcharge waiver up to ₹100 per month on transactions between ₹400 and ₹4,000. With no physical plastic to lose, zero recurring holding costs, and instant virtual issuance, the AU InstaPay card is an exceptional, secure daily driver for online e-commerce transactions.
1% direct cashback on UPI spends across departmental stores, groceries, pharmacies, and supermarkets
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| UPI Transactions | 1% valueback in reward points on UPI transactions (1 RP = ₹0.25) | No Cap | Standard terms apply |
| Daily Essentials UPI Spends | 1% cashback on UPI spends at departmental stores, dining, pharmacy, and grocery (capped at ₹100/cycle) | 100 INR (₹) / statement cycle | Standard terms apply |
| General Retail Spends | 2 Reward Points per ₹100 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| UPI Transactions | ₹6,000 | 1% valueback in reward points on UPI transactions (1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Daily Essentials UPI Spends | ₹6,000 | 1% cashback on UPI spends at departmental stores, dining, pharmacy, and grocery (capped at ₹100/cycle) | — | ₹100/statement_cycle | Calculating... | Under cap |
| General Retail Spends | ₹18,000 | 2 Reward Points per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹0 (Lifetime Free); Annual Renewal Fee: ₹0 (Lifetime Free). • Rewards Structure: 1% cashback on all qualifying online e-commerce transactions, bill payments, and merchant checkouts. • Cashback Settlement: Cashback is credited directly against your monthly credit card statement balance. • Issuance: 100% digital/virtual card provisioned inside the AU 0101 mobile banking application. • Security Controls: Dynamic CVV generation, single-tap card lock/freeze, and customizable online transaction limits. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 (up to ₹100 per cycle). • Exclusions: Fuel purchases, cash withdrawals, wallet top-ups, and rent payments do not accrue cashback.
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding AU Bank InstaPay Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official AU Small Finance Bank portal with paperless verification.
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