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Aditya Birla Finance Limited, in collaboration with AU Bank, has recently introduced a range of credit cards suitable for a diverse range of individuals. These credit cards are designed to cater to all types of customers, whether they are looking for a card for personal use or for their business needs. You can avail of a host of features such as lifetime free, low forex charges, customizable cards, or business credit cards with the ABC Credit Card range.

ZEE5, Amazon Prime, and Cult.fit are some of the exclusive memberships you can enjoy with Flex and Nxt Credit Cards. Additionally, you can also get access to lounges that match your requirements with these cards. One of the major benefits of these cards is that they are lifetime-free, which means you won’t have to pay any joining or renewal charges. Keep reading the article to learn more about these cards.

Aditya Birla AU Bank Credit Cards

Joining Fee


Renewal Fee


Best Suited For

Travel | Dining | Shopping | Business Expenses |

Reward Type

Reward Points |

Welcome Benefits

Up to 1,000 Reward Points

Movie & 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

Reward Redemption

1 RP = Rs. 0.20


Free Railway Lounge Access if Offered

Domestic Lounge Access

Free Lounge Access is Either Offered or Can Be Availed with the Custom Variants

International Lounge Access

Free Lounge Access is Either Offered or Can Be Availed with the Custom Variants



Insurance Benefits


Spend-Based Waiver


Rewards Redemption Fee


Rewards Redemption Fee


Foreign Currency Markup

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


  • Lifetime free credit cards are available.
  • Two of the ABC Credit Cards are customizable.
  • Credit cards for businessmen are also available.
  • Accelerated Reward Points can be availed for select categories.

ABC Flex Credit Card

The Aditya Birla Flex Credit Card is a customizable card that lets you select the features you need and create a personalized option that suits you best. You can choose from cashback, rewards, and milestone benefits, tailoring your credit card to your specific requirements.

Fees and Charges

  • This is a lifetime free credit card.
  • This card would charge a Forex markup of 3.50% of the transaction amount.

Reward Points

  • 6X Reward Points on necessary and recurring spends like Education, Utilities, Grocery, and Departmental Stores.
  • 4X Reward Points on Online spends, and 2X Reward Points on Offline spends.
  • 1 Reward Point shall be credited for each spend of Rs. 200. The value of 1 Reward Point earned with this card is Rs. 0.20.
  • No Reward Points shall be earned for the following: Fuel, Jewellery, Insurance, and Rent.

Customizable Features of ABC Flex and Nxt Credit Card

Features Feature Cost (90 Days) Benefit Earned (90 Days)
5% Additional Cashback on All Spends (Capped at ₹500 Per Month) ₹299 ₹1,201 
2% Additional Cashback on All Spends (Capped at ₹1,000 Per Month) ₹299 ₹2,801 
5% Cashback on Travel Spends (Capped at ₹1,000 in 30 Days)  ₹299 ₹2,701
5% Cashback on Dining Spends (Capped at ₹1,000 in 30 Days)  ₹299 ₹2,701
3 Month Amazon Prime Membership by Spending Minimum of ₹10,000 in 90 Days ₹199 ₹400 (3-Month Prime Membership Costs ₹599)
Free Airport Lounge Access (1 Per Quarter)(Maximum 4 Visits Per 90 Days)  199

Check the complete list of customizable features here.

ABC Pro Credit Card

The Aditya Birla Pro Credit Card offers higher rewards and benefits than the two previously mentioned credit cards. This is not a customizable credit card.

Features and Benefits of ABC Pro Credit Card

  • 1,000 Reward Points on making the first transaction within 30 days.
  • 2 free domestic lounge access each quarter and 1 international visit each year.
  • Exclusive EazyDiner membership on spending Rs 2.5 lakhs in a calendar year.
  • Avail 30% 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 and 4X Reward Points for spends made Offline. 

Fees and Charges

  • The joining and renewal fee of this card is Rs. 900 + GST
  • You can get the joining fee waived by spending Rs. 15,000 from the date of card issuance. The renewal charges can also be waived by spending Rs. 1.5 lakh with the card
  • This card has a reduced forex markup of 1.99%

ABC Biz Credit Card

Manage your business expenses and earn rewards easily with the Aditya Birla Biz Credit Card for a low monthly fee of Rs. 49.

Features of ABC Biz Credit Card

  • This card comes with a monthly fee of Rs. 49 + GST, which can be reversed by spending Rs. 10,000 in a statement cycle.
  • This card carries a Forex markup charge of 3.50%.


  • 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.

Eligibility Criteria for Aditya Birla AU Bank Credit Cards

You will have to complete the following criteria for the Aditya Birla Co-Branded Credit Card.

  • 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.

Review of Aditya Birla Credit Cards 

Whether you belong to the millennial generation or the business world, Aditya Birla AU Bank Credit Cards offer benefits and rewards for everyone. You can enjoy offers on popular brands such as Swiggy, Zomato, and Ola, as well as customizable features like extra cashback and lounge access. If you’re looking for lifetime free credit cards, you can opt for the Flex and Nxt Credit Cards, while those looking for the most premium features can go for the Pro Credit Card. 

Tell us your thoughts on these latest offerings by AU Bank and Aditya Birla Finance Limited in the comment section below. 


Aditya Birla Finance Limited has launched four credit cards in association with AU Bank. These are the ABC Flex Credit Card, ABC Nxt Credit Card, ABC Pro Credit Card & ABC Biz Credit Card.
Yes, you can make contactless payments up to Rs. 5,000 with the ABC Credit Card.
Aditya Birla AU Bank Credit Cards

Aditya Birla AU Bank Credit Cards


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