Aditya Birla AU Bank Credit Cards
The Aditya Birla AU Bank Credit Card comes with great benefits for both personal and business use. These cards are lifetime free, so you don’t have to worry about joining or renewal fees. They also have low forex charges, making them a good option for international travelers. With these cards, you can enjoy free memberships to ZEE5, Amazon Prime, and Cult.fit, as well as access to select airport and railway lounges for a more comfortable travel experience.
In addition to travel and entertainment perks, these cards help you save on everyday spending. You can get discounts and cashback on popular brands like Swiggy, Zomato, and Ola. If you want a credit card with no fees, the Flex and Nxt Credit Cards are great choices. For those looking for more premium benefits, the Pro Credit Card offers higher cashback and exclusive rewards. These cards are designed to give you savings, convenience, and extra perks on your spending.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Before applying for a credit card in India, consider the following factors:
- Eligibility Criteria: Check the age, income, credit score, and employment status requirements set by the bank or financial institution.
- Credit Score: A higher credit score increases your chances of approval and may result in better offers. Ensure your credit score is in good standing.
- Interest Rates and Fees: Compare annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction fees. These can vary significantly between cards.
- Rewards and Benefits: Look for cards that offer rewards, cashback, discounts, or other perks that align with your spending habits.
- Credit Limit: Make sure the credit limit offered is in line with your financial needs. Avoid over-borrowing, which can lead to high-interest charges.
- Repayment Terms: Understand the repayment options, minimum payment amount, and due dates. Consider how easily you can manage timely payments to avoid interest accumulation.
- Card Type and Features: Choose a card type (e.g., standard, premium, travel, etc.) based on your requirements. Some cards offer more benefits for specific categories like travel, shopping, or dining.
- Bank’s Reputation: Opt for a bank with a good track record of customer service and transparency. Read reviews and consider their customer support accessibility.
- Hidden Charges: Be aware of any hidden fees, such as annual fees, balance transfer charges, and cash withdrawal fees.
- Credit Utilization: Ensure you can manage your spending within the credit limit to maintain a healthy credit utilization ratio, which impacts your credit score.
- Long-Term Financial Plans: Think about how the credit card will fit into your long-term financial goals and avoid accumulating unnecessary debt.
How many credit cards does Aditya Birla offer?
Aditya Birla Finance Limited, along with AU Bank, offers four credit cards: the ABC Flex, ABC Nxt, ABC Pro, and ABC Biz. Each is designed for different needs, whether for personal use or business.
What rewards can I earn with ABC Credit Cards?
You can earn various rewards with ABC Credit Cards. Depending on the card, you may get extra reward points on your everyday purchases, cashback on selected transactions, and access to special benefits like dining discounts or travel perks.
Do ABC Cards support contactless payments?
Yes, ABC Credit Cards allow contactless payments. You can make quick and secure transactions without swiping or inserting your card, with a limit of up to ₹5,000 per transaction.
Are there any fees for these ABC Credit Cards?
Fees vary by card. Some ABC Credit Cards come with lifetime free membership, which means no joining or renewal fees, while others might have a small fee. Check the specific details for each card to see what fees apply.
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