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.
ABC Flex Credit Card
The Aditya Birla Flex Credit Card is designed for people who like control over their credit card benefits. Instead of being limited to fixed features, this card allows you to choose the rewards that matter to you. You can pick from cashback, reward points, and milestone benefits, which makes the card more flexible than most others in the market.
Fees and Charges
The Flex Credit Card is a lifetime free card, so you don’t have to worry about joining or renewal fees. However, when you use it for international transactions, a foreign exchange markup of 3.50 percent will apply.
Rewards
- Six times reward points on essential spends like education, utilities, groceries, and departmental store shopping.
- Four times reward points on online purchases.
- Two times reward points on offline transactions.
- One reward point for every 200 rupees spent, with each point valued at 20 paise.
There are exclusions, such as fuel, jewellery, insurance, and rent, where no reward points are earned.
Extra Customizable Features
The Flex and Nxt cards also allow you to add benefits for a small cost every 90 days. For example:
- Five percent extra cashback on all spends, capped at 500 rupees a month.
- Two percent extra cashback on all spends, capped at 1,000 rupees a month.
- Five percent cashback on travel or dining spends, capped at 1,000 rupees every 30 days.
- Amazon Prime membership for three months by paying 199 rupees and spending at least 10,000 rupees in 90 days.
- Access to airport lounges, with up to four visits allowed every 90 days.
This flexibility lets you personalize the card to fit your lifestyle.
ABC Pro Credit Card
The Aditya Birla Pro Credit Card is a premium option that offers high rewards and added privileges. Unlike the Flex Card, it does not have customizable features but instead provides a package of lifestyle benefits.
Benefits
- 1,000 reward points on your first transaction within 30 days.
- Two free domestic lounge visits per quarter and one international lounge visit per year.
- Free EazyDiner membership on annual spending of 2.5 lakh rupees.
- Up to 30 percent savings at partner restaurants.
- Special offers on loans, insurance, and investment products from Aditya Birla.
Rewards
- Ten times reward points on travel, dining, entertainment, and international spends.
- Six times reward points on online transactions.
- Four times reward points on offline purchases.
Fees and Charges
The joining and renewal fee is 900 rupees plus GST. However, this can be waived if you spend 15,000 rupees in the first month, and the renewal fee can be waived with annual spending of 1.5 lakh rupees. The foreign exchange markup is lower at 1.99 percent, which is helpful for international travelers.
ABC Biz Credit Card
The Aditya Birla Biz Credit Card is targeted at small business owners and professionals. It is designed to manage everyday business expenses while offering good rewards.
Features
- Monthly fee of 49 rupees plus GST, which is waived if you spend at least 10,000 rupees in a billing cycle.
- A foreign exchange markup of 3.50 percent.
Rewards
- Ten times reward points on education, utilities, insurance, groceries, and government-related payments.
- Four times reward points on all spends made during the first five days of each month.
- Two times reward points on all other online and offline transactions.
This makes the card useful for professionals who want to earn more on recurring expenses while keeping costs low.
Eligibility for Aditya Birla AU Bank Credit Cards
- Must be a resident of India.
- Primary cardholder age should be between 21 and 60 years.
- Add-on card users should be 18 years or older.
Aditya Birla Credit Cards Review
The Aditya Birla AU Bank Credit Cards are designed for different types of users whether you are a casual spender, a frequent traveler, or a business owner. The Flex and Nxt Cards are great lifetime free options with customization features. The Pro Credit Card suits those who want premium rewards and lounge access, while the Biz Credit Card is perfect for professionals looking to maximize savings on business expenses. Overall, these cards balance rewards, flexibility, and affordability.
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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