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Aditya Birla Finance AU Credit Cards: ABC Nxt, ABC Flex & ABC Pro

Home Credit Card AU Small Finance Bank Aditya Birla Finance AU Credit Cards
Updated: 30-01-2026 11:48:42 AM

AU Small Finance Bank has collaborated with Aditya Birla Finance Limited and offers some co-branded credit cards – ABC AU Pro, Nxt and Flex credit cards. Among these, ABC Nxt and ABC Flex are lifetime-free, while ABC Pro charges an annual fee of Rs. 999. All three of these are rewards credit cards and offer accelerated value-back on online as well as select preferred categories, depending on the card variant. You can also avail lifestyle-related benefits, like cashback on daily travels, dining discount, complimentary railway and airport lounge access, and spend-based milestone benefits. Read on for more details about these Aditya Birla Finance AU Credit Cards.

Aditya Birla Finance AU Credit Cards Key Highlights
Particulars AU ABC Nxt & Flex AU ABC Pro
Joining Fee Nil Rs. 999
Annual Fee Nil Rs. 999
Best-suited For Reward Points Reward Points
Key Features Up to 6 rewards points per Rs. 200 spent;

5% cashback up to Rs. 100 per month on Ola

 Up to 10 reward points per Rs. 200 spent;

10% cashback up to Rs. 200 per month on Ola;

Low forex mark-up fee of 1.99%

Note: These cards are not available on Paisabazaar.com. The content on this page is for information only. To apply for these cards, please visit AU Small Finance Bank’s website.

Aditya Birla Finance AU Credit Cards: Features & Benefits
Other Cards Similar to Aditya Birla Finance AU Credit Cards
Aditya Birla Finance AU Credit Cards: Fees & Charges
Aditya Birla Finance AU Credit Cards: Eligibility Criteria
Aditya Birla Finance AU Credit Cards: Features & Benefits

Welcome Benefits

On making the first card transaction within the first 30 days of card set-up, AU ABC Nxt and Flex cards users get 500 reward points and AU ABC Pro cardholders get 1,000 reward points as joining bonus.

Rewards Program

For every Rs. 200 you spend via these cards, you can earn reward points as given below:

AU Credit Cards Preferred Categories Online Spends Offline Spends
AU ABC Nxt & Flex 6 Rewards Points on utility, grocery, departmental store, & education spends 4 Rewards Points 2 Rewards Points
AU ABC Pro 10 Rewards Points on travel, dining, entertainment & international spends 6 Rewards Points 4 Rewards Points

Excluded Categories: Fuel, EMIs, cash withdrawals, insurance, jewellery, rental and BBPS spends will not earn any rewards points.

Cashback Benefits

You can earn cashback on your OLA bookings made via AU ABC credit cards, as follows:

Nxt & Flex: 5% cashback up to Rs. 100 per billing cycle

Pro: 10% cashback up to Rs. 200 per billing cycle

Complimentary Lounge Benefits

Railway Lounge Access: AU ABC Nxt and Flex cardholders (primary and add-on members combined) get up to 8 complimentary visits every year, maximum 2 per calendar quarter.

Domestic Airport Lounge Access: AU ABC Pro card members get up to 8 complimentary visits every year, maximum 2 per quarter on reaching minimum quarterly spends of Rs. 20,000.

Priority Pass Airport Lounge Access: AU ABC Pro credit cardholders get 1 complimentary visit to Priority Pass lounges outside India every year.

Milestone Benefits

Quarterly Milestone Benefit for AU ABC Nxt and Flex Cardholders

Double rewards points on all the incremental retail spends made after reaching Rs. 50,000 worth of card spends in a calendar quarter. For instance, if you earn 4 rewards points per Rs. 200 spent online, you will begin earning 2X, that is, 8 rewards points on online transactions made after Rs. 50,000 quarterly spends.

Annual Milestone Benefit for AU ABC Pro Cardholders

Complimentary EazyDiner membership on reaching Rs. 2.5 lakh retail spends in a year.

Other Benefits

  • Dining Benefit: Under the Silver Spoon Dining Program, all AU Aditya Birla Finance credit card users get up to 30% off on dining at 300+ partner restaurants.
  • Fuel Surcharge Waiver: 1% surcharge waiver on all fuel spends worth Rs. 400 to Rs. 5,000 on all AU ABC credit cards.
  • Forex Mark-up Fee: 3.50% forex mark-up fee on AU ABC Nxt and Flex cards, while a lower forex mark-up fee of 1.99% on AU ABC Pro credit card.
  • Insurance Coverage: Get zero lost card liability cover via all AU ABC credit cards. For AU ABC Pro card users, insurance coverage also includes Rs. 50 lakh worth of air accident cover, credit shield of up to Rs. 50 lakh, and other travel related covers related to baggage loss.delay, flight delay, loss of passport and plane hijack.
Other Cards Similar to Aditya Birla Finance AU Credit Cards
Credit Card Annual Fee Key Feature
HDFC Bank Tata Neu Plus Credit Card Rs. 499 2% back as Neu Coins on non-EMI spends on Tata Neu and partner brands
HDFC Bank Tata Neu Infinity Credit Card Rs. 1,499 5% back as Neu Coins on non-EMI spends on Tata Neu and partner brands
Reliance SBI Card Rs. 499 5 reward points per Rs. 100 spent at Reliance Retail stores
Reliance SBI Card PRIME Rs. 2,999 10 reward points per Rs. 100 spent at Reliance Retail stores
SBI SimplyCLICK Credit Card Rs. 499 5X rewards on online shopping and 10X rewards on select online partner brands/platforms
Aditya Birla Finance AU Credit Cards: Fees & Charges
Fee Type  Amount Details
Joining/Annual Fee AU ABC Nxt & Flex: Nil
AU ABC Pro: Rs. 999
Finance Charges 3.75% per month (45% per annum)
Forex Mark-up Fee AU ABC Nxt & Flex: 3.50%
AU ABC Pro: 1.99%
Late Payment Charges On Statement Balance of:

Up to Rs. 100: Nil

Above Rs. 100 to Rs. 500: Rs. 100

Above Rs. 500 to Rs. 5,000: Rs. 600

Above Rs. 5,000 to Rs. 10,000: Rs. 700

Above Rs. 10,000 to Rs. 20,000: Rs. 800

Above Rs. 20,000 to Rs. 50,000: Rs. 1,100

Above Rs. 50,000: Rs. 1,300

Click here for the detailed AU Bank credit card fees and charges and MITC.

Aditya Birla Finance AU Credit Cards: Eligibility Criteria
Criteria Details
Age 21 to 60 years
Nationality Indian Resident
Occupation Salaried or self-employed
Documents Required Click here for the list of required documents for AU Credit Card application
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