Monepoint
Invite-onlyCashbackFuelGroceriesLow Fee

AU Small Finance Bank

InstaPay RuPay Credit Card

A virtual-only, invite-only card offered exclusively to existing AU Bank credit cardholders — explicitly stated as "currently applicable for the select base only" — sharing its credit limit with the cardholder's primary card but billed separately.

Joining fee
₹0
Annual fee
₹0
Status
Open
Verified
31 August 2026
InstaPay RuPay Credit Card

Fees

Joining fee
₹0
Annual fee
₹0
Forex markup
3.49%

Rewards

cashback

  • groceries, dining: 1%UPI transactions at departmental stores, dining, pharmacy, and grocery/supermarket categories — minimum transaction ₹200

Genuine cashback, capped at ₹100/statement cycle. A 50-day interest-free window is stated explicitly.

Eligibility

Not published by the issuer.

Why this card may suit you

  • It costs nothing to hold — no joining or annual fee.
  • Rewards pay back as cashback rather than points that need redeeming.
  • Good fit if you want a card without an ongoing cost to justify.

Source & Verification

Verified from official issuer sources. Last verified 31 August 2026

View issuer page ↗

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An entry-level card whose real value is the lounge and cinema benefits, not the rewards. The reward points earn into a goods catalogue with no published rupee value, so treat the rate as unknown rather than as cashback.

Joining
₹500
Annual
₹500
Base reward
0.8% everything else
Forex
3.5%
Lounge
1/qtr domestic lounge