- Loans
- Credit Cards
- Credit Score
- Product & Services
- Community
- Contact Us
- Company
- Partner With Us
- Finance Calculators
| 
AU Bank ABC Flex Credit Card
Reward Type
Shopping
Joining Fee
nil*
Annual Fee
nil*
Currently not available! for similar products
Overview
The ABFL ABC Flex Credit Card is a lifetime-free credit card offered through a partnership between Aditya Birla Finance Limited (ABFL) and AU Small Finance Bank. It is designed for everyday spending and provides benefits across eligible transactions, along with features such as reward points, fuel surcharge waiver, EMI conversion and contactless payments.
The card can be useful for customers who want the convenience of a credit card without paying a joining or annual renewal fee. However, benefits, eligibility requirements, fees and other terms may vary, so applicants should check the latest terms and conditions before applying.
Key Highlights of ABFL ABC Flex Credit Card
| Feature | Details |
|---|---|
| Card Type | Lifetime-free credit card |
| Issuing Partners | Aditya Birla Finance Limited (ABFL) and AU Small Finance Bank |
| Reward Points | Earn up to 6 reward points per ₹200 on select categories such as groceries, utilities, and education |
| Milestone Benefit | Double reward points on quarterly spends of ₹50,000 or more |
| Cashback Benefit | 5% cashback (up to ₹100 per billing cycle) on Ola bookings |
| EMI Facility | Convert high-value purchases into easy EMIs instantly |
| Payment Method | Contactless payments enabled for fast and secure transactions |
Features and Benefits of ABFL ABC Flex Credit Card
- Reward Points: You can earn reward points on all transactions and redeem them for exciting gifts and vouchers.
- EMI Conversion: Now convert high-value purchases into easy EMIs directly from your app or account.
- Fuel Surcharge Waiver: Get a 1% waiver on your fuel surcharges at all petrol pumps across India.
- Tap-to-Pay Technology: Another way we're making it easier to pay.
- Welcome Benefits: Avail instant welcome coupons/cashback on your first transaction.
Eligibility Criteria for ABFL ABC Flex Credit Card
Some eligibility criteria for Aditya Birla Finance Limited:
- Applicant must reside in India.
- The age limit for self-employed people is 18 to 65 years.
- The age limit for salaried individuals is between 21 and 60 years.
- Self-employed or salaried individuals should have a steady income.
- A credit score of 700 or above would be preferred.
Fees and Charges
| Fee Type | Amount Details |
|---|---|
| Joining and Annual fee | NIL |
| Finance charges | 3.75% monthly / 45% yearly |
| Forex Mark up Fee | 3.50% |
| Charges for late payments | Above Rs.100 to Rs.500: Rs.100 Above Rs.500 to Rs.5000: Rs.600 Above Rs.5000 to Rs.10,000: Rs.700 More than Rs.50,000: Rs.1,300 |
Documents Required for ABFL ABC Flex Credit Card
- Identity proof such as PAN card, Aadhar card, passport, voter ID.
- Address proof such as Aadhar card, utility bill, driving license, passport.
- Your latest salary slips or ITR as income proof.
- And your recent passport-size photo.
How to Apply for ABFL ABC Flex Credit Card Online
- Visit the official AU Bank page.
- Click on “Apply Now” under ABC Credit Card.
- Fill in the application form and submit all the documents requested.
- Once the process is done, click on request for credit cards.
- Before approving you might get a call from AU Bank for verification information. Some details, mainly your Mother's Name, will be asked and then lenders proceed with the approval process.
- After a few working days, your credit card will be delivered to your address.
FAQS
Is the ABFL ABC Flex Credit Card lifetime free?
Yes. The ABFL ABC Flex Credit Card is offered as a lifetime-free credit card, subject to the applicable card terms. This means there is no joining or annual renewal fee under the standard lifetime-free offering.
Does the ABFL ABC Flex Credit Card offer reward points?
Yes. Cardholders can earn reward points on eligible transactions. The earning rate, eligible categories and redemption conditions depend on the applicable card terms and offers.
Does the card provide a fuel surcharge waiver?
Yes. The card offers a fuel surcharge waiver on eligible fuel transactions, subject to the applicable transaction limits and conditions specified by the issuer.
Can purchases be converted into EMIs?
Eligible purchases may be converted into EMIs, subject to the issuer's eligibility criteria and applicable EMI charges. The available tenure, interest rate and processing fee can vary.
Does the card support contactless payments?
Yes. The card supports contactless transactions at compatible payment terminals, subject to applicable transaction limits and security requirements.
Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Given that this type of data may change over time, we cannot guarantee the accuracy of the information supplied or included within it. It is anticipated that the user will confirm with the relevant source before making any choices or taking any actions.
Write a review
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf. We do not sell any loans on our own and do not charge any fee from our customers/viewers for the purpose of loan application