AU InstaPay Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: AU Small Finance Bank
Network: Visa | Tier: Entry
The AU InstaPay Credit Card is an Entry Visa credit card issued by AU Small Finance Bank, best suited for beginners. It carries a joining fee of NIL, with an interest rate of 3.49% per month. Key benefits include UPI enabled card and Reward points. On fees — No airport lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹2,00,000/year to qualify. It falls under the Entry-level and Fuel category on CreditCardHunt.
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Why Choose the AU InstaPay Credit Card?
The AU InstaPay Credit Card is a Entry-tier Visa credit card issued by AU Small Finance Bank, rated 4.2/5 by the Credit Card Hunt editorial team. It is best suited for Beginners. With a reward rate of Reward points and an annual fee of NIL, it ranks among the popular Entry-level cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year.
AU InstaPay Credit Card Fees & Charges
| Annual Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 3.49% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
AU InstaPay Credit Card Rewards & Benefits
| Reward Rate | Reward points |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Beginners |
Key Highlights of the AU InstaPay Credit Card
- UPI enabled card
- Reward points
AU InstaPay Credit Card Eligibility Criteria
- Age: 21-60 years
- CIBIL score: 700+
- Minimum income: ₹2,00,000/year
Minimum Income Required: ₹2,00,000/year
Advantages of the AU InstaPay Credit Card
- UPI integration — a built-in advantage for cardholders.
Drawbacks of the AU InstaPay Credit Card
- Before applying, factor in basic rewards.
AU InstaPay Credit Card — Frequently Asked Questions
What is the annual fee of the AU InstaPay Credit Card?
The AU InstaPay Credit Card has an annual fee of NIL and a joining fee of NIL. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the AU InstaPay Credit Card offer airport lounge access?
No, the AU InstaPay Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the AU InstaPay Credit Card?
The minimum income requirement is ₹2,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the AU InstaPay Credit Card?
The AU InstaPay Credit Card earns Reward points. It is best suited for Beginners.
Credit Cards Similar to the AU InstaPay Credit Card
If you are considering the AU InstaPay Credit Card, these entry-level credit cards are worth comparing before you apply:
- SBI Cashback Card (Visa) by SBI Card — rated 4.7/5, ₹999 annual fee
- ACE Credit Card by Axis Bank — rated 4.6/5, ₹499 annual fee
- IDFC FIRST Select Credit Card by IDFC FIRST Bank — rated 4.5/5, NIL annual fee
- RBL ShopRite Credit Card by RBL Bank — rated 4.4/5, ₹500 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- RuPay Credit Card on UPI — circulars and guidelines — National Payments Corporation of India (NPCI)
Explore more on CreditCardHunt.in
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- Find a card that matches your income and spending with our card finder.
- Read our credit card guides & FAQ.
Expert Rating: 4.2/5