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AU Bank ABC Nxt Credit Card

The AU Bank ABC Nxt Credit Card is a lifetime-free card from AU Small Finance Bank and Aditya Birla Finance Limited. It offers several benefits, including low forex charges, lounge access, and special memberships. This card is perfect for earning rewards on everyday purchases like groceries, utilities, and online shopping. It falls under the co-branded ABC card range, which includes other variants like ABC Pro and ABC Flex.

With the ABC Nxt card, you earn 6 Reward Points for every ₹200 spent on utilities, groceries, and education, 4 Reward Points for online spends, and 2 Reward Points for offline purchases. There are also milestone rewards, where spending over ₹50,000 in a quarter doubles the reward points you earn. This card is a great option for anyone who wants to earn more rewards on their regular spending.

Credit Card Detail
Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
You’ll earn 500 Reward Points after your first transaction within 30 days of setting up your card.
Rewards Rate
You’ll earn 6 Reward Points for every ₹200 spent on utilities, groceries, department stores, and education.
Reward Redemption
Use your Reward Points for various options on the AU Rewardz portal.
Movie & Dining
30% off at select dining partners.
Travel
Offers two railway lounge access every quarter
Golf
N/A
Domestic Lounge Access
Get 2 free railway lounge visits every quarter.
International Lounge Access
N/A
Insurance Benefits
N/A
Interest Rates
3.75% interest each month, 45% per year.
Spend-Based Waiver
N/A
Rewards Redemption Fee
Rs.99 plus GST
Cash Advance Charges
2.50% of amount withdrawn (minimum of Rs.500)
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
Get a 1% fuel surcharge waiver on fuel purchases between ₹400 and ₹5,000.
Card Details
  • Offers up to 5% cashback on selected categories.
  • Cashback is provided on achieving spending milestones each quarter.
  • Cardholders can access airport lounges as needed.
  • Get up to 30% discount with dining partners.
  • Two railway lounge accesses are available every quarter.
  • Allows converting spends over Rs. 2000 into EMI.
  • Multiple offers available on Swiggy, Ola, Zomato, and more.
  • 1% fuel surcharge waiver for transactions between Rs. 400 and Rs. 5000.
  • Special offers on ABC insurance, loans, and other investment products.
Frequently Asked Questions

How do I manage my Aditya Birla Co-branded Credit Card?

You can manage your card by downloading the Aditya Birla Finance app from the Play Store or App Store to control transactions, generate your PIN, block the card, and more.

Can I convert a Rs. 4,500 transaction into EMI with the AU Bank ABC Nxt credit card?

Yes, you can convert any transaction above Rs. 2,000, like Rs. 4,500, into an EMI.

Where will my Aditya Birla Co-branded Credit Card be delivered?

Your credit card will be sent to the delivery address you mentioned in the application.

Do I need to pay any joining or annual fee for AU Bank ABC Nxt credit card?

No, the AU Bank ABC Nxt credit card is a lifetime-free card, so there are no joining or annual fees.

How long does it take for my credit card application to be approved?

After you submit your application, it usually takes 7 to 10 days for approval.

Can I use the AU Bank ABC Nxt credit card for airport and railway lounge access?

Yes, you can enjoy access to airport lounges and get two railway lounge visits with your AU Bank ABC Nxt credit card.

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