Aditya Birla AU Bank Credit Cards – Benefits, Fees & Eligibility

Aditya Birla AU Bank Credit Cards

Introduction

Aditya Birla Finance Limited, in collaboration with AU Bank, has recently introduced a comprehensive range of credit cards designed to cater to a diverse set of individuals, from personal users to businesses. These credit cards offer various features, including lifetime free options, low forex charges, and customizable benefits. Cardholders can enjoy exclusive memberships to platforms like ZEE5, Amazon Prime, and Cult.fit with Flex and Nxt Credit Cards, along with tailored lounge access. A significant highlight is the availability of lifetime-free cards, eliminating joining and renewal charges for certain variants within the ABC Credit Card range.

Welcome Benefits

• Up to 1,000 Reward Points are offered as welcome benefits across the card range.
• ABC Pro Credit Card: Receive 1,000 Reward Points upon making the first transaction within 30 days of card issuance.

Fees

• Overall Card Range:

  • Joining Fee: Nil for certain cards (e.g., Flex and Nxt).
  • Renewal Fee: Nil for certain cards (e.g., Flex and Nxt).
  • Spend-Based Waiver: Not applicable.
  • Rewards Redemption Fee: Not applicable.
  • Foreign Currency Markup: Ranges from 1.99% to 3.5%.
  • Interest Rates: 3.59% Per Month (43.08% Annually).
  • Fuel Surcharge: 1% Fuel Surcharge Waiver is applicable.
  • Cash Advance Charges: 2.5%.

• ABC Flex Credit Card:

  • This is a lifetime free credit card, meaning no joining or renewal fees.
  • Forex Markup: 3.50% of the transaction amount.

• ABC Pro Credit Card:

  • Joining Fee: Rs. 900 + GST.
  • Renewal Fee: Rs. 900 + GST.
  • Joining Fee Waiver: Can be waived by spending Rs. 15,000 from the date of card issuance.
  • Renewal Fee Waiver: Can be waived by spending Rs. 1.5 lakh with the card.
  • Forex Markup: Reduced to 1.99%.

• ABC Biz Credit Card:

  • Monthly Fee: Rs. 49 + GST.
  • Monthly Fee Reversal: Can be reversed by spending Rs. 10,000 in a statement cycle.
  • Forex Markup: 3.50%.

Rewards

• Overall Card Range:

  • Reward Type: Reward Points.
  • Movies & Dining: Accelerated Reward Points and Exclusive Discounts on Dining.
  • Rewards Rate: Each card offers accelerated Reward Points for special categories and up to 6X Reward Points for online transactions.
  • Travel: Free Railway Lounge Access if offered.
  • Domestic Lounge Access: Free lounge access is either offered or can be availed with custom variants.
  • International Lounge Access: Free lounge access is either offered or can be availed with custom variants.
  • Golf: Not applicable.
  • Insurance Benefits: Not applicable.
  • Exclusive Memberships (Flex and Nxt Credit Cards): Enjoy ZEE5, Amazon Prime, and Cult.fit memberships.

• ABC Flex Credit Card:

  • 6X Reward Points on necessary and recurring spends like Education, Utilities, Grocery, and Departmental Stores.
  • 4X Reward Points on online spends.
  • 2X Reward Points on offline spends.
  • 1 Reward Point is credited for each spend of Rs. 200.
  • No Reward Points are earned for spends on Fuel, Jewellery, Insurance, and Rent.

• ABC Pro Credit Card:

  • 2 free domestic lounge accesses each quarter.
  • 1 international lounge visit each year.
  • Exclusive EazyDiner membership on spending Rs. 2.5 lakhs in a calendar year.
  • Avail 30% discount while dining with select partners.
  • Exclusive offers and discounts on ABC Loans, Insurance, and Investment products.
  • 10X Reward Points on Travel, Dining, Entertainment, and International payments.
  • 6X Reward Points on online spends.
  • 4X Reward Points for offline spends.

• ABC Biz Credit Card:

  • 10X accelerated Reward Points on select categories like Education, Utilities, Insurance, Grocery, and Government spends.
  • 4X Reward Points on non-accelerated spends for the first 5 days every month.
  • 2X Reward Points on both online and offline spends.

Customizable Features of ABC Flex and Nxt Credit Card

• 5% Additional Cashback on All Spends: Capped at ₹500 per month. Feature cost: ₹299 (90 days). Benefit earned: ₹1,201 (90 days).
• 2% Additional Cashback on All Spends: Capped at ₹1,000 per month. Feature cost: ₹299 (90 days). Benefit earned: ₹2,801 (90 days).
• 5% Cashback on Travel Spends: Capped at ₹1,000 in 30 days. Feature cost: ₹299 (90 days). Benefit earned: ₹2,701 (90 days).
• 5% Cashback on Dining Spends: Capped at ₹1,000 in 30 days. Feature cost: ₹299 (90 days). Benefit earned: ₹2,701 (90 days).
• 3 Month Amazon Prime Membership: Achieved by spending a minimum of ₹10,000 in 90 days. Feature cost: ₹199. Benefit earned: ₹400 (3-Month Prime Membership costs ₹599).
• Free Airport Lounge Access: 1 per quarter, maximum 4 visits per 90 days. Feature cost: ₹199.

Rewards Redemption Guide

• The value of 1 Reward Point is Rs. 0.20.

Card Eligibility Criteria

• Applicant must be a resident of India.
• Primary cardholder should be between 21 years and 60 years of age.
• Add-on cardholder should be over 18 years of age.

Card Review

The Aditya Birla AU Bank Credit Cards offer a versatile range of options catering to diverse needs, from millennials seeking lifestyle benefits to business professionals managing expenses. The cards provide offers on popular brands like Swiggy, Zomato, and Ola, alongside innovative customizable features such as extra cashback and lounge access. For individuals prioritizing cost-effectiveness, the Flex and Nxt Credit Cards are excellent lifetime free choices. Those looking for more premium features and higher rewards can opt for the Pro Credit Card. Overall, the suite provides tailored benefits and rewards across its different variants.

Important Product Details

• Lifetime free credit cards are available within the range.
• Two of the ABC Credit Cards (Flex and Nxt) are customizable, allowing users to select features.
• Credit cards specifically designed for businessmen (ABC Biz) are also available.
• Accelerated Reward Points are offered for select spending categories across the card portfolio.
• The range includes ABC Flex Credit Card, ABC Nxt Credit Card, ABC Pro Credit Card, and ABC Biz Credit Card.

Other Details

• The cards are best suited for Travel, Dining, Shopping, and Business Expenses.
• Contactless payments up to Rs. 5,000 can be made with the ABC Credit Cards.
• The ABC Flex Credit Card is designed as a customizable card.
• The ABC Pro Credit Card is not a customizable credit card.