ABFL ABC Nxt Credit Card

The ABC Nxt Credit Card is a lifetime-free credit card offered through the Aditya Birla Finance and AU Small Finance Bank partnership. It is designed for everyday spending, with accelerated reward points on selected categories and the flexibility to customise certain card features based on individual spending preferences.

With no joining or annual fee, the card can be considered by salaried and self-employed applicants looking for a card that combines everyday rewards with lifestyle and payment conveniences.

Key Highlights of ABFL ABC Nxt Credit Card

• Lifetime-free card with no joining or annual fee.
• Earn accelerated reward points on selected categories, including utilities, education, groceries and department stores.
• Get additional reward benefits through eligible milestone spends.
• Enjoy a 1% fuel surcharge waiver on eligible fuel transactions between ₹400 and ₹5,000.
• Customise selected card features according to your spending preferences.
• Access to eligible railway lounge benefits, subject to the applicable terms and conditions.
• Use contactless payments for eligible transactions.

Features and Benefits of ABFL ABC Nxt Credit Card

• Earn reward points through specific categories, such as dining, groceries, and online purchases.
• The benefits of milestones include earning extra reward points for meeting quarterly spending goals.
• Interest-free credit for a maximum of 48 days.
• Entry free to first-class lounges at the airport and on the railways.
• Payment through tap-to-pay technology enables quick, safe, and practical transactions.

Eligibility Criteria for ABFL ABC Nxt Credit Card

• The cardholder's age should be between 21 and 60 years.
• The cardholder must be an Indian resident.
• The cardholder must fulfill Aditya Birla Finance Limited's minimum income requirements.
• It is advised to have a good CIBIL score of 700 and above.

Documents Required

Applicants may be asked to provide documents to verify their identity, address and income. Commonly accepted documents may include:

• Identity Proof: Aadhaar Card, PAN Card, Passport, or Voter ID.
• Address proof: Aadhaar Card, Passport, utility bill or other accepted address documents.
• Income proof: Salary slips, bank statements or ITR, depending on the applicant's profile.
• Recent passport-size photograph, wherever required.

The exact documents may vary based on the applicant's employment type and the issuer's verification requirements.

ABFL ABC Nxt Credit Card Fees & Charges

• Joining fee and Annual fee at ₹0
• Finance charges up to 3.49% per month.
• Cash advance fee up to 2.5% of the amount withdrawn, with a minimum of ₹500.
• ₹100-₹1,300 charged for late payment fee.
• 3.50% on international transactions, labeled as 'Forex Mark-up Free'.

How to Apply for ABFL ABC Nxt Credit Card Online

You can apply for Aditya Birla Finance Ltd ABC Nxt Credit Card online:

1. Visit the official website of ABFL.
2. Click on 'Apply Now' under the ABC Nxt Credit Card option.
3. Fill the application with the correct details and upload the required documents.
4. Once the KYC process is complete, submit your application.
5. Then, lenders check your identification and approve your credit card application.
6. The credit card will be dispatched to your address.

The final approval, credit limit and card issuance are subject to the issuer's eligibility checks and internal policies.

ABFL ABC Nxt Credit Card Rewards Program

• 6X reward points on ABFL spends on utilities, education, groceries, and department stores.
• 4X reward points on shopping online.
• 2X reward points on offline spend.
• 1X reward points on every ₹200 spend.
• Unlimited 1% fuel surcharge waiver between ₹400–₹5,000.

Conclusion

For consumers seeking a credit card that offers generous rewards and flexible benefits, the ABFL ABC Nxt Credit Card is the ideal choice. It is a safe and profitable choice for regular transactions due to its co-branded structure, which ensures the confidence of both AU Small Finance Bank and Aditya Birla Finance. This card stands out as a valuable financial partner for both salaried and self-employed individuals due to its 6X reward structure, customizable features, and zero annual fee.

FAQs

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.