AU InstaPay Credit Card 2025
Save up to ₹18,000+ every year with ₹1,000 monthly cashback, zero forex & completely free card!
If you spend online or abroad, the AU InstaPay Credit Card is currently the best zero-forex + monthly cashback card in India!
You get 100% cashback up to ₹1,000 every month on all online spends (no minimum), zero forex markup on all international transactions, lifetime free (no joining/annual fee), 1% fuel surcharge waiver up to ₹500/month, 4 domestic lounge visits per year, and instant cashback directly to statement.
No conditions, no milestone — just spend online and get ₹1,000 back every month!
Why This Is The Best Zero-Forex Cashback Card in 2025?
₹1000 cashback every month • 0% forex markup • Lifetime free • 1% fuel waiver • 4 lounge visits • Instant credit
Best for: Online shoppers, international travellers, students abroad, forex spenders
Card At a Glance
₹0
₹0 (Lifetime Free)
₹1000/month on online spends
0%
1% (up to ₹500/month)
4 Domestic visits/year
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil (Lifetime Free) |
| Welcome Benefit | First month cashback starts immediately |
| Foreign Currency Markup | 0% (Best in India) |
| Interest Rate | 3.49% per month |
| Fuel Surcharge Waiver | 1% (max ₹500/month) |
| Cash Advance Fee | 2.5% |
Detailed Reward Rates (2025)
- 100% Cashback up to ₹1,000 every month on all online spends
- Zero Forex Markup on all international transactions
- No minimum spend required for cashback
- Cashback credited directly to statement within 3 days
- 4 domestic lounge visits per year (1 per quarter)
Airport Lounge Access
4 complimentary domestic lounge visits per year (1 per quarter)
Insurance & Protection Benefits
- Zero lost card liability
- Purchase protection up to ₹50,000
- Personal accident cover ₹5 Lakh
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| ₹1000 cashback every month | Only 4 lounge visits/year |
| 0% forex markup (rare in LTF cards) | Cashback only on online spends |
| Lifetime completely free | No rewards on offline spends |
| Instant cashback in 3 days | |
| 1% fuel waiver |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Income: ₹25,000/month or existing AU customer
- Credit Score: 750+
- Documents: PAN, Aadhaar, salary slip/bank statement
How to Apply Online (5-Minute Process)
- Visit AU Small Finance Bank website → Credit Cards → InstaPay
- Click Apply Now → Enter mobile number
- Fill details → Video KYC in 2 minutes
- Card activated instantly (virtual first)
Final Verdict – Should You Get It in 2025?
If you shop online or travel abroad even occasionally, AU InstaPay gives you ₹12,000 cashback + zero forex every year for absolutely free. No other card comes close in this segment. Must-have secondary card!
Frequently Asked Questions (FAQs)
₹1000 cashback every month?
Yes, 100% cashback up to ₹1,000 on online spends — every month.
Really zero forex?
Yes, 0% markup on all international transactions.
Any fee at all?
No joining, no annual, no hidden fee — lifetime free.
Lounge visits?
4 domestic lounge visits per year.