LIFETIME FREE VIRTUAL CARD || CAN BE USED FOR UPI SPENDS

AU Instapay Credit Card

AU Instapay Credit Card - Our Money Guide Our Rating 3.50
Top Reasons to Choose
✔︎
Lifetime free card - there is no annual fee on the card
1%
Cashback on UPI spends at departmental stores, dining, pharmacy, grocery & supermarkets - on total purchases upto ₹10000 per month
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Welcome Offer: Nil

Lifetime free card, there is no annual fee on the card

Virtual only card, you will not receive a physical card

1% cashback (upto ₹100 per month) on UPI spends at departmental stores || grocery || supermarkets || dining || pharmacy

  • Earn ₹1 (as cashback), on every 100 you spend on UPI transactions at departmental stores, dining, pharmacy, grocery & supermarkets.
  • This benefit is valid on total purchases up to ₹10000 per month, since the maximum cashback is restricted to ₹100 per month.

Fuel surcharge waiver up to ₹100 per month, and valid only on fuel transactions between ₹400 and ₹5000

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Benefits

  • Life time free card
  • You can use your card for UPI payments

Drawbacks

  • Reward rate on card spending is comparatively low

To read the full review of the card , please click here

LIFETIME FREE TRAVEL CREDIT CARD WITH ZERO FOREX FEES || TRAVEL DISCOUNTS ON IXIGO

ixigo AU Credit Card

ixigo AU Credit Card - Our Money Guide Our Rating 4.0
Top Reasons to Choose
✔︎
Lifetime-free (no annual fee)
✔︎
Ixigo flight bookings : 10% discount (up to ₹1000), once a month
✔︎
Ixigo hotel bookings: 10% discount (up to ₹1000), once a month
✔︎
Ixigo bus bookings: 10% discount (up to ₹300), once a month
✔︎
International airport lounge access - once per year
✔︎
Domestic airport & railway lounge access - 16 times per year
✔︎
No forex fee on international transactions
Annual Fee

₹0

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer : 1000 reward points worth ₹250 || ₹1000 ixigo money vouchers

Lifetime-free (no annual fee) 

Zero forex markup on international transactions

10% travel discounts on Ixigo

  • Flight bookings on Ixigo: 10% discount (up to ₹1000), once a month 
  • Hotel bookings on Ixigo: 10% discount (up to ₹1000), once a month
  • Bus bookings on Ixigo: 10% discount (up to ₹300), once a month

Airport lounge access

  • International airport lounges – once per year
  • Domestic airport & railway lounges – 16 times per year (domestic lounge access - maximum 8 times per year)
  • Spending requirement for domestic lounge access - ₹20,000 in a calendar quarter

Waiver of Payment Gateway (PG) charges on train bookings: Valid 2 times per month on ixigo trains, and 2 times per month on other train tickets.

1.25% reward on online spends

  • 5 reward points worth ₹1.25, on every ₹100 spent 
  • 1 reward point = up to ₹0.25, redeemable for flights & bookings, mobile/DTH recharge, vouchers, products and more.
  • Monthly limit: 10,000 reward points 

0.62% reward on offline spends

  • 2.50 reward points worth ₹0.62, on every ₹100 spent
  • 1 reward point = up to ₹0.25 (25 paise), and can be redeemed for flights & bookings, mobile/DTH recharge, vouchers, products and more.

Important exclusions: Reward points are not given on the following transactions - 

  • Fuel, rent, Insurance, 
  • Jewelry, wallet loads
  • Education, government, BPPS & international transactions

Fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹400 and ₹5000

Card liability cover up to ₹1.50 lakhs

  • Zero liability for fraudulent transactions, coverage up to ₹1.5 lakhs.
  • Protection against card counterfeit/skimming and online frauds.
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Benefits

  • Lifetime free card - Zero annual fees 
  • Zero forex fees - Save 3.5% on all international transactions
  • Good travel discounts - 10% off flights/hotels (up to ₹1,000 monthly)
  • Domestic lounge access - 16 annual visits (8 airport + 8 railway)
  • International lounge access - 1 Priority Pass visit yearly

Drawbacks to consider

  • Limited to ixigo only - Travel discounts work exclusively on ixigo platform
  • ₹20,000 quarterly spend - Required for domestic lounge access
  • Monthly usage limits - Each discount can only be used once per month
  • Discounts cap - Maximum 1,000 discount on flights, hotels 
  • Low rewards on non-travel categories, compared to the best entry-level online shopping cards
  • New bank relationship - AU Bank has smaller branch network

To read the full review of the card , please click here
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Best AU Bank Lifetime Free Credit Cards

ixigo AU Credit Card is one of the best lifetime free credit cards in India. It is one of the few credit cards with zero fees on international card transactions. The card offers complimentary airport and railway lounge visits. The card also provides discounts on ixigo flight, hotel, and bus bookings. 

AU Instapay Credit Card is a lifetime free UPI-enabled credit card. It is a virtual credit card, available only to existing AU Bank cardholders. You get cashback on all card spends, with certain exceptions.

Let us compare the two AU Bank Lifetime Free Credit Cards in more detail-

Card Name Annual Fee Benefits

AU Instapay Credit Card

Minimum Income

Not specified

 Annual Fee - ₹ 0
  • Welcome Offer: Nil
 Special Benefits
  • Lifetime free UPI credit card - there is no annual fee on the card, and the card is UPI enabled.
  • 1% cashback (upto ₹100 per month) on UPI spends at departmental stores || grocery || supermarkets || dining || pharmacy

ixigo AU Credit Card

Minimum Income

Not specified

 Annual Fee - ₹ 0
  • Welcome offer : 1000 reward points worth ₹250 || ₹1000 ixigo money vouchers
 Special Benefits

Ixigo  discounts

  • 10% discount (up to ₹1000) on flight bookings, once per month 
  • 10% discount (up to ₹1000) on hotel bookings, once per month 
  • 10% discount (up to ₹300) on bus bookings, once per month
  • No forex fee on international transactions
  • Domestic airport & railway lounge access – 16 times per year
  • International airport lounge access – 1 per year

Looking for more

Best Travel Credit Cards || Best Shopping Credit Cards || Best Fuel Credit Cards 

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