The AU Bank ABC Flex Credit Card is a co-branded card with Aditya Birla Finance, positioned as a lifetime free card with tiered rewards across spending categories. It targets everyday spenders who want accelerated points without paying an annual fee.Reward points follow a three-tier structure: 6 points per ₹200 on groceries, utilities, departmental stores, and education; 4 points per ₹200 on online purchases; and 2 points per ₹200 on offline retail transactions. The quarterly milestone doubles all these rates once you cross ₹50,000 in a quarter, pushing grocery and utility earnings to 12 points per ₹200. Points stay valid for 2 years from the statement month they were earned.Lounge access covers both railway stations and domestic airports, with 2 complimentary visits per quarter (8 per year). The 1.99% forex markup is notably lower than the industry standard 3.5%, making it one of the more affordable cards for international transactions among free cards. A 1% fuel surcharge waiver applies on transactions between ₹400 and ₹5,000.Ola bookings earn 5% cashback up to ₹100 per statement cycle. Optional add-on features ranging from ₹49 to ₹499 let you customize additional cashback categories every 90 days, giving the card a flexible spending profile that changes with your needs. An interest-free period of up to 48 days applies when you clear previous dues on time.This card works well if your monthly spend concentrates on online shopping, groceries, or utilities, since the tiered structure rewards those categories better than flat-rate competitors. For heavier spenders who want international lounge access or higher insurance coverage, the ABC Pro variant in the same family provides more at a higher fee.
Pros
↑Lifetime free with no joining or annual fee, removing the need to track spend thresholds for fee waivers
↑Quarterly milestone at ₹50,000 doubles all reward rates, a lower threshold than many cards that require ₹1 lakh or more
↑1.99% forex markup is significantly lower than the standard 3.5% charged by most Indian credit cards, saving real money on international purchases
↑8 complimentary lounge visits per year covering both railway stations and domestic airports, with no spend condition attached
↑Customizable add-on features let you pick cashback categories every 90 days based on your actual spending patterns
Cons
↓Base offline reward rate of 2 points per ₹200 is low compared to cards that give 1-2% flat cashback on all transactions
↓No international airport lounge access via Priority Pass or similar programs, limiting value for overseas travelers
↓Welcome bonus of just 500 reward points is minimal compared to cards that give ₹500 or more in vouchers or cashback at sign-up
↓Ola cashback capped at ₹100 per statement cycle, providing limited savings even for frequent cab users
Fuel
★3.0
▼
1% fuel surcharge waiver on transactions from ₹400 to ₹5,000
Applies at all fuel stations
Primary and supplementary cardholders eligible
Lifestyle
★2.0
▼
5% cashback on Ola bookings (up to ₹100 per statement cycle)
Customizable add-on features for additional benefits
Zero lost card liability cover
Milestone
★3.5
▼
All reward rates double after ₹50,000 spend in a calendar quarter
6X becomes 12X, 4X becomes 8X, 2X becomes 4X
Applies to all incremental retail spends after milestone
Resets each calendar quarter
Reward Points
★3.5
▼
Groceries, Utilities, Departmental Stores, Education: 6 RP per ₹200
Online spends: 4 RP per ₹200
Offline retail spends: 2 RP per ₹200
Points valid for 2 years from statement month
Redeem for vouchers, merchandise, or travel
Shopping
★3.0
▼
4 reward points per ₹200 on all online purchases
Doubles to 8 RP per ₹200 after ₹50K quarterly milestone
Optional add-on features for extra cashback on select categories
Add-on features customizable every 90 days (₹49 to ₹499)
Merchant Offers
▼
5% cashback on Ola bookings (capped at ₹100/cycle)
Optional add-on features for category-specific cashback
Features renewable every 90 days
Travel
★2.5
▼
2 complimentary domestic airport and railway lounge visits per quarter
Up to 8 lounge visits per year
1.99% forex markup on international transactions
No international airport lounge access
Airport Lounge Access
▼
2 complimentary visits per quarter (combined with railway)
Domestic airport lounges only
Primary cardholder only
No international lounge access via Priority Pass
Railway
▼
2 complimentary visits per quarter (combined with airport)
Up to 8 visits per year total
No spend condition required
₹2 authentication fee may apply per visit
Insurance
▼
Zero lost card liability protection
No air accident or travel insurance
No personal accident cover on base card
Emi
▼
Xpress Loan facility available
Processing fee: 2% of loan amount
Flexible tenures: 6, 12, 18, 24, or 36 months
Joining Fee
No joining fee
Annual Fee
No annual fee (lifetime free)
Annual Fee Waiver
Not applicable (lifetime free card)
Monthly Percentage Rate
3.49%
Annual Percentage Rate
41.88%
Minimum Monthly Payment
5% of outstanding or ₹100, whichever is higher
Foreign Currency Markup
1.99%
Late Payment Charges
₹100 to ₹1,300 based on outstanding amount
Overlimit Charges
2.5% of overlimit amount (min ₹500)
Cash Advance Fee
2.5% of amount (min ₹500)
Balance Transfer Fee
1% of transferred amount (min ₹250)
Fee For Supplementary Card
No fee
Card Replacement Fee
₹200
Fee For Duplicate Statement
₹50 per statement
Fee For Cheque Bounce
₹500
Age Requirement Salaried
21-60 years
Age Requirement Self Employed
21-60 years
Minimum Annual Income Salaried
As per bank norms (varies by segment)
Minimum Annual Income Self Employed
As per bank norms (varies by segment)
Minimum Credit Score
700+
Identity Proof
PAN Card (mandatory)
Aadhaar Card
Passport
Driving Licence
Voter ID
Address Proof
Aadhaar Card
Passport
Utility Bill (recent)
Bank Statement
Income Proof Salaried
Latest 3 months salary slips
Latest 3 months bank statement
Form 16 or ITR
Income Proof Self Employed
Latest 2 years ITR
Latest 6 months bank statement
Business proof documents
Yes, the ABC Flex card has no joining fee and no annual fee for the life of the card. You do not need to meet any spend threshold to keep the fee waived. Optional add-on features cost between ₹49 and ₹499 for 90 days each, but the base card itself is entirely free.
The card uses a tiered system. You earn 6 reward points per ₹200 on groceries, utilities, departmental stores, and education. Online purchases earn 4 points per ₹200. Offline retail transactions earn 2 points per ₹200. All rates double once you hit the ₹50,000 quarterly milestone. Points remain valid for 2 years from the statement month they were earned.
Once your retail spending crosses ₹50,000 in a calendar quarter, all reward rates double on further purchases that quarter. The 6X category becomes 12X, the 4X category becomes 8X, and the 2X category becomes 4X. This milestone resets at the start of each new calendar quarter.
You get 2 complimentary lounge visits per quarter, covering both domestic airport and railway lounges, for a total of up to 8 visits per year. These are for the primary cardholder and do not require any minimum spend to unlock. A nominal ₹2 authentication fee may apply at the time of access.
No. The complimentary lounge visits cover domestic airport lounges and railway station lounges within India only. There is no Priority Pass or international lounge access program included. If international lounge access is important to you, consider the ABC Pro card in the same AU Bank lineup, which includes Priority Pass.
The foreign currency markup is 1.99% on all international transactions. This is significantly lower than the 3.5% charged by most Indian credit cards. On a ₹1 lakh international purchase, you save roughly ₹1,500 compared to the standard 3.5% markup.
A 1% fuel surcharge waiver applies on transactions between ₹400 and ₹5,000 at all fuel stations. Both primary and supplementary cardholders can use this benefit. Transactions below ₹400 or above ₹5,000 do not qualify for the waiver.
You earn 5% cashback on Ola ride bookings, capped at ₹100 per statement cycle. The cashback is credited directly to your card statement. This works out to a maximum of ₹1,200 in Ola savings per year if you hit the cap every month.
The ABC Flex lets you pick add-on features ranging from ₹49 to ₹499 that give extra cashback or benefits in specific spending categories. Each feature stays active for 90 days and auto-renews unless you cancel. You can switch features every 90 days to match your changing spending patterns. The base card stays free regardless of whether you activate any add-ons.
The ABC Flex Credit Card is available on both Visa and RuPay networks. Both variants share the same reward points structure, lounge access, and other core benefits. The Visa version works at international merchants, while the RuPay version is primarily for domestic use.
The primary cardholder must be between 21 and 60 years old and be an Indian resident. Add-on cardholders need to be at least 18 years old. A minimum credit score of 700 is typically expected. Both salaried and self-employed individuals can apply, with income requirements varying by segment and location.
You need a PAN card (mandatory), identity proof (Aadhaar, passport, driving licence, or voter ID), address proof (Aadhaar, passport, or utility bill), and income documents. Salaried applicants should have the last 3 months salary slips and bank statements. Self-employed applicants need the last 2 years ITR and 6 months bank statements.
Apply through the AU Small Finance Bank website at aubank.in or through the AU 0101 mobile app. Fill in your name, mobile number, PAN, and income details. Upload KYC and income documents digitally, or schedule a document pickup. Existing AU Bank customers may find pre-approved card offers in their internet banking or mobile app.
The finance charge is 3.49% per month, which works out to 41.88% per year. This applies to any balance carried past the payment due date. You get an interest-free period of up to 48 days if you pay the full statement balance on time each month.
The minimum payment is 5% of the total outstanding balance or ₹100, whichever is higher. Paying only the minimum avoids late payment fees but triggers the 3.49% monthly finance charge on the remaining balance.
Late payment fees range from ₹100 to ₹1,300 depending on your total outstanding amount, plus GST. These apply when you fail to pay at least the minimum amount by the statement due date. Missing payments also impacts your credit score.
Cash advances carry a fee of 2.5% of the withdrawn amount or ₹500, whichever is higher. Interest at 3.49% per month starts from the date of withdrawal with no interest-free period. Credit card cash withdrawals remain one of the most expensive ways to access cash.
An overlimit charge of 2.5% applies on the amount exceeding your approved credit limit, with a minimum fee of ₹500. Transactions beyond the limit may also be declined depending on your payment history and account standing with AU Bank.
The Visa variant works at any Visa-accepting merchant worldwide. International transactions incur a 1.99% forex markup, which is lower than the 3.5% charged by most Indian credit cards. The RuPay variant is primarily for domestic use and has limited international acceptance.
Reward points are valid for 2 years from the specific statement month they were earned. For example, points earned in your March 2026 statement would expire in March 2028 if not redeemed. Track your points balance through the AU 0101 app or internet banking.
Yes, add-on cards are available at no additional fee. The add-on cardholder must be at least 18 years old. Reward points from supplementary card transactions accumulate in the primary cardholder's account. The fuel surcharge waiver benefit also applies to supplementary cardholders.
The ABC Flex includes zero lost card liability cover, protecting you from fraudulent transactions after reporting a lost or stolen card. There is no personal accident insurance, air accident cover, or travel insurance on this card. For those benefits, the higher-tier ABC Pro variant in the same AU Bank family is a better option.
AU Bank provides an Xpress Loan facility for converting purchases into EMI. A processing fee of 2% of the loan amount applies. You can choose from flexible repayment tenures of 6, 12, 18, 24, or 36 months. Interest rates and eligibility depend on the transaction amount and your account history.
Call the AU Bank customer care helpline at 1800 1200 1500 (toll-free). You can also manage your card, check your reward points, activate or deactivate add-on features, and raise disputes through the AU 0101 mobile app or internet banking at aubank.in.