Is the AU InstaPay Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Cashback card
- No annual fee
- 1% on most spends
- Pays in cashback
- anyone who wants no annual fee, ever
- you spend a lot on fuel, utility bills, rent or insurance: the card's terms do not state a rate there, so we count nothing
- you often pay in foreign currency: 3.49% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: 1% cashback on UPI txns ≥₹200 at departmental stores, dining, pharmacy and grocery (min transaction ₹200, capped ₹100/cycle), UPI txns ≥₹200 in eligible categories only
Also earns nothing on: Non-UPI transactions, UPI txns under ₹200, UPI spends outside departmental stores / grocery / dining / pharmacy.
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | 1% | No cap | The card's normal rate | - |
| Online shopping | 1% | No cap | The card's normal rate | - |
| Dining and food delivery | 1% | No cap | The card's normal rate | - |
| Groceries | 1% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate | - |
| Fuel | Not stated | - | the card's exclusions are not published, and many cards pay nothing here | - |
| Bills and recharges | Not stated | - | the card's exclusions are not published, and many cards pay nothing here | - |
| Rent | Not stated | - | the card's exclusions are not published, and many cards pay nothing here | - |
| Insurance premiums | Not stated | - | the card's exclusions are not published, and many cards pay nothing here | - |
| School and college fees | Not stated | - | the card's exclusions are not published, and many cards pay nothing here | - |
| Wallet top-ups | Not stated | - | the card's exclusions are not published, and many cards pay nothing here | - |
| Taxes and government payments | Not stated | - | the card's terms state no rate here; many cards pay nothing on these | - |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate | - |
| Everything else | 1% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
Guides in Plain Words
Short reads that explain how it works before you decide.
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