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

Introduction

Aditya Birla AU Bank Credit Cards are a new range of financial products launched by Aditya Birla Finance Limited in collaboration with AU Bank. These cards are designed to cater to a diverse range of individuals, including those seeking personal or business credit solutions. Key differentiating benefits include the availability of lifetime free cards, options for low forex charges, customizable features, and exclusive memberships to platforms like ZEE5, Amazon Prime, and Cult.fit, along with lounge access.

Welcome Benefits

• Up to 1,000 Reward Points are offered as a welcome benefit across the card range.
• ABC Pro Credit Card: 1,000 Reward Points on making the first transaction within 30 days of card issuance.
• ABC Flex and Nxt Credit Card (Customizable Feature): A 3-month Amazon Prime Membership can be availed by spending a minimum of ₹10,000 in 90 days, with a feature cost of ₹199 (membership value ₹599).

Fees

• Joining Fee:
  • Nil for ABC Flex Credit Card and ABC Nxt Credit Card.
  • Rs. 900 + GST for ABC Pro Credit Card.
  • Rs. 49 + GST per month for ABC Biz Credit Card.
• Renewal Fee:
  • Nil for ABC Flex Credit Card and ABC Nxt Credit Card.
  • Rs. 900 + GST for ABC Pro Credit Card.
  • Rs. 49 + GST per month for ABC Biz Credit Card.
• Spend-Based Waiver:
  • ABC Pro Credit Card: Joining fee can be waived by spending Rs. 15,000 from the date of card issuance. Renewal charges can be waived by spending Rs. 1.5 lakh with the card.
  • ABC Biz Credit Card: The monthly fee of Rs. 49 + GST can be reversed by spending Rs. 10,000 in a statement cycle.
• Rewards Redemption Fee: Not applicable.
• Foreign Currency Markup:
  • Ranges from 1.99% to 3.5% across the card range.
  • 3.50% of the transaction amount for ABC Flex Credit Card and ABC Biz Credit Card.
  • Reduced forex markup of 1.99% for ABC Pro Credit Card.
• Interest Rates: 3.59% Per Month (43.08% Annually).
• Fuel Surcharge Waiver: 1% Fuel Surcharge Waiver is applicable.
• Cash Advance Charges: 2.5%.
• Customizable Feature Costs (ABC Flex and Nxt Credit Card - for 90 Days):
  • 5% Additional Cashback on All Spends (Capped at ₹500 Per Month): ₹299.
  • 2% Additional Cashback on All Spends (Capped at ₹1,000 Per Month): ₹299.
  • 5% Cashback on Travel Spends (Capped at ₹1,000 in 30 Days): ₹299.
  • 5% Cashback on Dining Spends (Capped at ₹1,000 in 30 Days): ₹299.
  • 3 Month Amazon Prime Membership by Spending Minimum of ₹10,000 in 90 Days: ₹199.
  • Free Airport Lounge Access (1 Per Quarter, Maximum 4 Visits Per 90 Days): ₹199.

Rewards

• Each card offers accelerated Reward Points for special categories and up to 6X Reward Points for online transactions.
• Movie & Dining:
  • Accelerated Reward Points and Exclusive Discounts on Dining.
  • ABC Pro Credit Card: Exclusive EazyDiner membership on spending Rs 2.5 lakhs in a calendar year. Avail 30% while dining with select partners.
  • ABC Flex and Nxt Credit Card (Customizable Feature): 5% Cashback on Dining Spends (Capped at ₹1,000 in 30 Days).
• Travel:
  • Free Railway Lounge Access if offered.
  • Free Domestic Lounge Access is either offered or can be availed with the custom variants.
  • Free International Lounge Access is either offered or can be availed with the custom variants.
  • ABC Pro Credit Card: 2 free domestic lounge access each quarter and 1 international visit each year.
  • ABC Flex and Nxt Credit Card (Customizable Feature): Free Airport Lounge Access (1 Per Quarter, Maximum 4 Visits Per 90 Days). 5% Cashback on Travel Spends (Capped at ₹1,000 in 30 Days).
• Lifestyle: ZEE5, Amazon Prime, and Cult.fit are some of the exclusive memberships available with Flex and Nxt Credit Cards.
• Insurance Benefits: Exclusive offers and discounts on ABC Loans, Insurance, and Investment products with the ABC Pro Credit Card.
• ABC Flex Credit Card Rewards:
  • 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 shall be credited for each spend of Rs. 200.
  • No Reward Points shall be earned for Fuel, Jewellery, Insurance, and Rent.
  • Customizable Cashback Features: 5% Additional Cashback on All Spends (Capped at ₹500 Per Month), 2% Additional Cashback on All Spends (Capped at ₹1,000 Per Month).
• ABC Pro Credit Card Rewards:
  • 10X Reward Points on Travel, Dining, Entertainment, and International payments.
  • 6X Reward Points on Online spends.
  • 4X Reward Points for spends made Offline.
• ABC Biz Credit Card Rewards:
  • 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.

Rewards Redemption Guide

• The value of 1 Reward Point earned with these cards is Rs. 0.20.

Card Eligibility Criteria

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

Card Review

The Aditya Birla AU Bank Credit Cards offer a comprehensive suite of benefits and rewards catering to a wide audience, from millennials to business professionals. Cardholders can enjoy offers on popular brands such as Swiggy, Zomato, and Ola. The Flex and Nxt Credit Cards stand out for their lifetime free status and customizable features, allowing users to tailor benefits like extra cashback and lounge access to their specific needs. For those seeking more premium features and higher rewards, the Pro Credit Card offers enhanced benefits including accelerated reward points on key categories and extensive lounge access. The Biz Credit Card is specifically designed to manage business expenses efficiently while earning rewards.

Important Product Details

• Lifetime free credit cards are available (ABC Flex and ABC Nxt Credit Cards).
• Two of the ABC Credit Cards (Flex and Nxt) are customizable, allowing users to select features like cashback, rewards, and milestone benefits.
• Credit cards specifically designed for businessmen are available (ABC Biz Credit Card).
• Accelerated Reward Points can be availed for select categories across the card range.
• Contactless payments up to Rs. 5,000 are supported with ABC Credit Cards.

Other Details

• Aditya Birla Finance Limited has launched four credit cards in association with AU Bank: the ABC Flex Credit Card, ABC Nxt Credit Card, ABC Pro Credit Card, and ABC Biz Credit Card.