AU Bank InstaPay Credit Card
The InstaPay credit card, launched by AU Small Finance Bank, is designed to provide users with a seamless banking experience. This is a virtual only credit card that offers instant issuance for immediate use upon approval. You can just scan any merchant’s QR code to make quick transactions. Moreover, you earn rewards on purchases and choose flexible repayment options that cater to your individual financial needs. With worldwide acceptance and exclusive offers, this card enhances the banking experience. The AU bank also has dedicated customer support, which ensures assistance whenever required.
Features and Benefits of AU Bank InstaPay Credit Card
- Endless Cashbacks
- 1% Cashback on UPI Transactions: Get a 1% cashback on all UPI transactions through any UPI platform, enabling you to save on daily online payments. (Maximum Rs.100 for every cycle)
- 1% Fuel Surcharge Waiver: Receive a 1% discount on fuel surcharges for transactions between Rs.400 and Rs.5000, with a limit of Rs.100 per billing cycle, to enhance the cost-effectiveness of your fuel purchases.
- Seamless Contactless Payments
- Scan and Pay: You can simply scan any merchant’s QR code and quickly complete the payment using your preferred UPI. This feature of the credit card enhances convenience and speeds up the checkout process.
- Lifetime free credit card: The InstaPay credit card offered by AU Bank is a virtual credit card and is lifetime free.
- Interest free credit: Get up to 48 days of interest free credit on your purchases made using InstaPay credit card.
- Manage your account online: Use your credit card account online at anytime of the day, from any location. You can manage your transactions, track expenses, pay bills, and more, all using your device from the comfort of your home.
- Worldwide Acceptance: Experience the freedom to use your AU Bank InstaPay Credit Card globally, with acceptance at millions of merchants and ATMs worldwide.
- Customer Support: Get dedicated customer support assistance whenever you need it.
Eligibility Criteria for AU Bank InstaPay Credit Card
- You should be an existing credit card customer of the AU Small Finance Bank.
Fees and Charges for AU Bank InstaPay Credit Card
- This is a lifetime free credit card.
How to make UPI payments using AU Bank InstaPay Credit Card
Follow the steps given below to use your AU Bank InstaPay Credit Card for UPI payments through your preferred UPI third-party application:
- Step 1: Download a UPI third-party application from the Play Store or App Store. Some of the preferred UPIapplications are BHIM, GPay (Google Pay), and Mobikwik. Install the application on your smartphone.
- Step 2: Launch the UPI app andfollow the in-app directions to confirm your mobile number. This usually requires you to input your mobile number and then validate it using an OTP (One-Time Password) delivered to your mobile number. Register yourself by following the directions given on the application.
- Step 3: After confirming your mobile number and finishing the registration process, go to the part of the app that allows you to 'Add Credit Card' or 'Link Credit Card'. This feature is typically located in the settings or payment methods area of the app.
- Step 4: When asked to pick the issuing bank for your credit card, choose 'AU Small Finance Bank' from the options provided. This guarantees that your AUInstaPay Credit Card is properly connected to the UPI application.
- Step 5: Once you have chosen the AU Small Finance Bank as your credit card issuing bank, you'll be shown a list of credit cards provided by the AU Small Finance Bank. From this list, you need to find and choose the InstaPay credit card.
- Step 6: Check all the details present on the screen, including the selected credit card and linked bank information, to ensure accuracy. After confirming the accuracy of the information, move on to verify the process of linking.
- Step 7: Once you have successfully connected your AU Bank Insta Pay credit card to the UPI app, you're ready to begin using your credit card for UPI transactions. All you need to do is choose the UPI payment feature in the app, input the recipient's UPI ID or scan their QR code, enter the payment amount, and confirm the transaction with your UPI PIN.
Credit cards make payments easy for all expenses online and offline while offering various benefits
FAQs on AU Bank InstaPay Credit Card
- Will I ever receive a physical copy of my InstaPay credit card?
No, you will never receive a physical copy of your InstaPay credit card. However, you can access the credit card through AU 0101, ChatBot, IVR, and website.
- How will the credit limit of my InstaPay credit card be calculated?
Your InstaPay credit card will share the credit limit with your present primary credit card.
- Will I receive individual statements for my InstaPay credit card and my current primary credit card?
No, you will receive separate credit card statements for each credit you own.
- If I overpay the credit card bill in one cycle, will it get settled for bill payment of another credit card?
Any excess payment made by the user on one credit card will not be credited towards the bill of another credit card. You must make separate payments for the bills generated by each credit card.
Types of Credit Card
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Credit Card Customer Care
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Credit Card Bill Payment
- Credit Card Bill Payment
- SBI Credit Card Bill Payment
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- Axis Bank Credit Card Bill Payment
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- Standard Chartered Credit Card Bill Payment
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- PNB Credit Card Bill Payment
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- Bank of Baroda Credit Card Bill Payment
- Bank of India Credit Card Bill Payment
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Credit Card Eligibility
- Credit Card Eligibility
- SBI Credit Card Eligibility
- HDFC Credit Card Eligibility
- Federal Bank Credit Card Eligibility
- Axis Bank Credit Card Eligibility
- Yes Bank Credit Card Eligibility
- IndusInd Bank Credit Card Eligibility
- HSBC Credit Card Eligibility
- Kotak Credit Card Eligibility
- Canara Bank Credit Card Eligibility
- Standard Chartered Credit Card Eligibility
- RBL Bank Credit Card Eligibility
- Bank of Baroda Credit Card Eligibility
- Union Bank Credit Card Eligibility
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