AU Small Finance Bank
Classic · InstaFlex
AU InstaFlex Credit Card
AU Small Finance Bank
Lifetime free RuPay Classic with EMI flexibility and reward points
Annual Fee
Free
Joining Fee
Free
Reward Rate
0.3%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹1,000
Total Annual Benefits
₹1,000
Total Annual Charges
₹0
ROI
9999%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Benefit breakdown data not available
Transaction Limits
Card Scorecard
Charges Breakdown
No charges applicable
Benefits & Perks
Reward Points (1)
1 Reward Point per ₹100
Earn 1 reward point on every ₹100 spent
- • Excluded: fuel, rent, wallet loads
1 RP/₹100
EMI Benefits (1)
Easy EMI Conversion
Convert purchases above ₹2,500 into easy EMIs
- • Minimum transaction of ₹2,500
- • Tenure options: 3, 6, 9, 12 months
EMI from ₹2,500
Other Benefits (1)
Lifetime Free Card
No joining fee, no annual fee — lifetime free
₹0 forever
Reward Program
Program
AU Reward Points
1 RP per ₹100 on all spends
Effective cashback: 0.25%
Points expire: Valid for 2 years
Redemption Options
- → Products & Vouchers via AU Rewards Portal
- → Cashback (1 RP = ₹0.25)
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | Free Lifetime free |
| Annual Fee | Free Lifetime free |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹750
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- Free
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Eligibility
Requirements
- Min. Monthly Income
- ₹15,000
- Min. Annual Income
- ₹1,80,000
- Min. Credit Score
- 650
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹15,000
- • Self-Employed: ITR > ₹1.8 Lakh p.a.
- • Age 21–65 years
Airport Lounge Access
Domestic
0 visits/year
Not available
International
0 visits/year
Not available
Transaction Limits
ATM Withdrawal / Day
₹20,000
POS & E-Commerce / Day
₹1,50,000
Features
RuPay Classic privileges Contactless payments EMV chip security Domestic acceptance Add-on cards available EMI conversion facility Lifetime free — no joining or annual fee Easy EMI on purchases above ₹2,500
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The AU InstaFlex Credit Card is a lifetime-free RuPay Classic card offering 1 reward point per ₹100 spent. With easy EMI conversion facility and no an...
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