AU Bank ABC Nxt Credit Card

Name: AU Bank ABC Nxt Credit Card
Brand: AU Bank
Availability: InStock
Rating: 3 (1 reviews)

Overview

The AU Bank ABC Nxt Credit Card is a co-branded product between AU Small Finance Bank and Aditya Birla Finance Limited. Its biggest draw is the lifetime free status, meaning zero joining and zero annual fees. For anyone looking to build credit or earn category-based rewards without paying card fees, this is a practical starting point.Reward points work on a tiered system. Groceries, utilities, and education purchases earn 6 points per ₹200 (an effective 3% earn rate). Online spending earns 4 points per ₹200 (2% effective), while offline retail earns the base rate of 2 points per ₹200 (1% effective). Crossing ₹50,000 in a quarter doubles all these rates for the rest of that quarter, making the card increasingly rewarding for consistent spenders.The card also includes 8 complimentary railway lounge visits per year (up to 2 per quarter), 5% cashback on OLA bookings capped at ₹100 per billing cycle, and a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000. A 500-point welcome bonus kicks in when you make your first transaction within 30 days of card setup.One drawback is the ₹99 plus GST redemption fee charged on every successful point redemption. There is also no airport lounge access, which separates it from the pricier ABC Pro variant. The 3.5% forex markup makes it a poor choice for international transactions. For domestic use with a focus on groceries and online shopping, the ABC Nxt delivers solid value at zero annual cost.

Pros

↑Lifetime free with zero joining and annual fees, making it one of the most accessible cards for first-time users
↑Category-based accelerated rewards earn up to 6X on groceries and utilities, providing real value on daily spending
↑Eight complimentary railway lounge visits per year is generous for a no-fee card, and does not require any minimum spend
↑Spending above ₹50,000 per quarter doubles all reward earning rates, significantly boosting value for consistent spenders
↑Optional add-on features from ₹49 to ₹499 let you customize extra benefits based on your spending patterns

Cons

↓₹99 plus GST charged on every reward point redemption eats into the effective value of earned points
↓No airport lounge access at all, even conditional, while some entry-level competitors offer at least limited access
↓Reward points valid for only 2 years from the statement month, shorter than many competing cards that offer 3 or more years
↓3.5% forex markup is among the highest in this segment, making it a poor choice for international purchases

Key Highlights

Welcome Offer
500 bonus points on first transaction
500 reward points credited on first card transaction
Must transact within 30 days of card setup
Points credited to reward account automatically

Reward Rate
Up to 6 points per ₹200 spent
Grocery, Utilities, Education: 6 points per ₹200
Online Spends: 4 points per ₹200
Offline Spends: 2 points per ₹200
All rates double above ₹50,000 quarterly spend

Minimum Salary
21 to 60 years, Resident Indian
Age: 21 to 60 years (primary)
Add-on cardholder: 18+ years
Must be Resident Indian
Income eligibility varies

Joining Fee
No joining fee
Zero joining fee
Lifetime free card
No hidden charges at onboarding

Annual Fee
No annual fee
Zero annual fee, lifetime free
No spending threshold to maintain fee waiver
Optional add-on features from ₹49 to ₹499

Why Choose?
Tiered rewards, railway lounges, no card fees
Up to 6X reward points on daily categories
8 railway lounge visits per year
5% cashback on OLA rides
1% fuel surcharge waiver
Lifetime free, no annual or joining fee

Key Benefits

Fuel

★2.5

▼

1% fuel surcharge waiver on transactions from ₹400 to ₹5,000
Applies at all fuel stations
Primary and add-on cardholders eligible
No reward points exclusion on fuel spend confirmed

Lifestyle

★2.0

▼

5% cashback on OLA bookings (up to ₹100 per billing cycle)
Optional add-on features from ₹49 to ₹499 for extra benefits
Add-on features valid for 90 days from activation
No golf, concierge, or premium lifestyle perks

Reward Points

★3.0

▼

6 points per ₹200 on Grocery, Utilities, Education
4 points per ₹200 on Online Spends
2 points per ₹200 on Offline Spends
Double all earning rates above ₹50,000 quarterly spend
Points valid for 2 years from statement month
₹99 + GST redemption fee per transaction
Minimum 200 points required to redeem

Shopping

★2.5

▼

4 reward points per ₹200 on online purchases
6 reward points per ₹200 at grocery and departmental stores
Rates double after crossing ₹50,000 quarterly spend
No special shopping vouchers or welcome coupons

Railway

▼

8 complimentary railway lounge visits per year
Maximum 2 visits per calendar quarter
Primary and add-on cardholders combined limit
No minimum spend condition required

Liability Protection

▼

Standard fraud liability protection
Unauthorized transaction coverage as per RBI guidelines

Emi

▼

EMI conversion available on eligible purchases
Tenure and rates depend on transaction amount
Check AU Bank app or net banking for EMI options

Detailed Information

Joining Fee	No joining fee
Annual Fee	No annual fee
Annual Fee Waiver	Not applicable (lifetime free)
Monthly Percentage Rate	1.99% to 3.49%
Annual Percentage Rate	23.88% to 41.88%
Minimum Monthly Payment	5% of outstanding or ₹100, whichever is higher
Foreign Currency Markup	3.50%
Late Payment Charges	₹100 to ₹1,100 based on outstanding amount
Overlimit Charges	2.5% of overlimit amount or ₹500, whichever is higher
Cash Advance Fee	2.5% of amount or ₹500, whichever is higher
Balance Transfer Fee	Check with AU Bank
Fee For Supplementary Card	No fee
Card Replacement Fee	₹100 + taxes
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	Check with AU Bank
Minimum Annual Income Self Employed	Check with AU Bank
Minimum Credit Score	700+

Identity Proof	PAN Card (mandatory) Aadhaar Card Passport 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

Frequently Asked Questions

Yes. The ABC Nxt has zero joining fee and zero annual fee for the lifetime of the card. There is no spending threshold required to maintain this fee waiver. The only paid extras are optional add-on features ranging from ₹49 to ₹499 that you can choose to activate for additional cashback or benefits.

You can apply through the AU Small Finance Bank website, the AU 0101 mobile app, or through the Aditya Birla Finance app. The application process requires PAN card, Aadhaar, and income proof documents. Existing AU Bank customers may find pre-approved offers in their net banking or mobile app. You must be a Resident Indian aged between 21 and 60 years.

The ABC Nxt is available on the Visa network. It works at all Visa-accepting merchants domestically and internationally. A 3.5% forex markup applies on all international transactions.

Points are earned on a tiered basis. Grocery, utility, and education purchases earn 6 points per ₹200. Online spending earns 4 points per ₹200. All other offline purchases earn 2 points per ₹200. When your quarterly spend crosses ₹50,000, all earning rates double for the remainder of that quarter. Points are valid for 2 years from the statement month in which they were earned.

Once your retail spending crosses ₹50,000 in a calendar quarter, all reward earning rates double automatically. The 6X grocery rate becomes 12X, the 4X online rate becomes 8X, and the 2X offline rate becomes 4X. This applies to all spending for the rest of that quarter after hitting the threshold.

Reward points can be redeemed through AU Bank's rewards catalogue. You need a minimum of 200 points to start a redemption. A fee of ₹99 plus GST applies on each successful redemption transaction. Redemption options typically include vouchers, merchandise, and statement credit. Check the AU Bank app or net banking for current redemption options.

AU Bank charges ₹99 plus GST (₹116.82 total) on every successful reward point redemption. This fee applies regardless of how many points you redeem in a single transaction. To maximize value, accumulate a larger number of points before redeeming rather than making multiple small redemptions.

When you make your first card transaction within 30 days of card setup, AU Bank credits 500 bonus reward points to your account. There is no minimum transaction amount specified. This is a one-time joining benefit and applies automatically on the first successful purchase.

You get 8 complimentary railway lounge visits per year with a maximum of 2 visits per calendar quarter. This is a combined limit for the primary cardholder and any add-on cardholders. No minimum spending is required to unlock this benefit. Simply present your AU Bank ABC Nxt Credit Card at participating railway lounges. Visits beyond the free limit are charged at standard lounge rates.

No. The ABC Nxt does not include any airport lounge access, either domestic or international. Airport lounge access is available on the higher-tier ABC Pro variant. If airport lounges are a priority, consider the ABC Pro or other AU Bank cards that include this benefit.

You earn 5% cashback on OLA ride bookings made using the AU Bank ABC Nxt Credit Card. The cashback is capped at ₹100 per billing cycle. This applies to OLA cab bookings and is credited as a statement credit. The benefit resets each billing cycle.

A 1% fuel surcharge waiver applies on fuel transactions between ₹400 and ₹5,000. This covers both primary and add-on cardholders. The waiver helps offset the typical 1% surcharge that fuel stations add on credit card payments.

The ABC Nxt lets you activate optional paid features starting from ₹49 to ₹499 for additional cashback and other benefits. Each add-on feature is valid for 90 days from the date of activation. These are meant to let you customize the card based on your current spending priorities without permanently changing the card's base structure.

The finance charge ranges from 1.99% to 3.49% per month, which translates to approximately 23.88% to 41.88% per year. The exact rate depends on your credit profile and account history. Interest is calculated daily on the outstanding balance. You get up to 48 days of interest-free credit period when you pay the full statement balance by the due date.

The minimum amount due is 5% of the total outstanding balance or ₹100, whichever is higher. Paying only the minimum avoids late payment fees but triggers the finance charge on the remaining balance. Always try to pay the full statement amount to avoid interest charges.

Late payment fees range from ₹100 to ₹1,100 depending on the total outstanding amount. If your outstanding is ₹100 or less, no late fee applies. The fee increases with higher outstanding balances, reaching ₹1,100 for amounts above ₹50,000. These fees apply when you fail to pay at least the minimum amount by the statement due date.

Cash advances carry a fee of 2.5% of the withdrawn amount or ₹500, whichever is higher. Interest starts from the day of withdrawal with no interest-free period. This makes ATM cash withdrawal one of the most expensive ways to use any credit card.

An overlimit charge of 2.5% of the excess amount applies, with a minimum of ₹500 plus GST. Transactions beyond the approved limit may also be declined depending on your payment history and account standing with AU Bank.

The forex markup is 3.5% on all international transactions. This is on the higher side compared to travel-focused cards that typically charge 1.5% to 2%. If you frequently shop from international websites or travel abroad, a dedicated forex or travel card would save you money.

Both ABC Nxt and ABC Flex are lifetime free cards from the AU Bank and Aditya Birla Finance partnership. The key difference is in the reward structure: the Nxt focuses on category-based reward points (6X on groceries, 4X on online), while the Flex is built around cashback on preferred categories. Both share the same railway lounge access and customizable add-on features. Choose the Nxt if you prefer accumulating reward points, or the Flex if you want direct cashback.

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

Frequently Asked Questions

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Cons