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Features
- 1000 RPs on first transaction
- Up to 5% cashback with select categories
- 10X reward points on Education, Utilities, Insurance, Grocery & Government spends
- 4X rewards on non-accelerated spends for first 5 days every month
- 2X reward points on online and offline spend
- 1X = 1 Reward Point per Rs- 200 spends. 1 Reward Point = Rs- 0.20
- 2 railway lounge access per quarter
- Unlimited 1% Fuel Surcharge Waiver for all fuel transactions between Rs- 400 and Rs- 5,000
Welcome Benefits
Cashbacks & Rewards
Pricing
- Joining Fees: NIL
- Annual Fees: Monthly fee of Rs- 49 + GST (waved off on spends of 10,000 every months)
Documents Required
- ID Proof
- Address proof
- Can use any one of Aadhaar, voter ID or passport as proof
The AU Bank ABC Biz Credit Card offers reward points and lifestyle benefits for everyday spending. Key features include dining offers, a fuel surcharge waiver, railway lounge access and EMI conversion on eligible purchases. Before applying, check the card's latest fees, eligibility criteria and terms.
Key Highlights of AU Bank ABC Biz Credit Card
| Feature | Details |
|---|---|
| Card Type | |
| Suitable For | Salaried and self-employed applicants |
| Dining Benefit | Up to 30% discount on eligible dining transactions |
| Fuel Benefit | 1% fuel surcharge waiver on eligible transactions |
| Railway Lounge Access | 2 complimentary visits per quarter |
| EMI Facility | Convert eligible purchases of ₹2,000 or more into EMIs |
| Monthly Fee | ₹49 + GST, subject to applicable spend-based waiver |
| Forex Markup | 3.5% |
AU Bank ABC Biz Credit Card Features and Benefits
The features and benefits of the ABC Biz Credit Card are given below:
- Get up to 30% off on dining.
- 1% fuel surcharge waiver on every fuel purchase between ₹400 and ₹5,000, helping you save on routine refills with no upper limit on the number of transactions.
- EMI conversion on bulk purchases over ₹2,000.
- Premium railway lounge access is offered twice a quarter.
- Special discounts on Ola, Zomato, Swiggy, and many other apps.
Eligibility Criteria
- Age: Between 21 to 60 years.
- The applicant should be an Indian resident.
- Both salaried and self-employed can apply.
- No fixed minimum income requirement; approval is subject to the issuer's assessment. It varies depending on the version you select and your individual financial situation. AU Bank considers your income and credit score before approving your application.
Documents Required
- Identity proof: Aadhar card, PAN (mandatory), passport, voter ID, driving license.
- Address proof: Aadhar card, driving license/passport, utility bill (Telephone, water, or electricity)
- Income proof: Latest salary bills, past 3 months bank statement, business proof, or ITR (Income Tax Return).
ABC Biz Credit Card Fees and Charges
Before applying forAU Small Finance Bank Credit Card, it is important to understand the card's applicable charges.
| Charge | Applicable fee |
|---|---|
| Monthly Fee | ₹49 + GST, subject to applicable spend-based waiver |
| Forex Markup | 3.5% |
| Fuel Surcharge | As per the issuer's applicable terms, with eligible waiver benefit |
| Late Payment Charges | As per the issuer's prevailing schedule |
The fee structure and applicable charges may change. Always check the latest fee schedule before applying or using the card.
How to Apply for AU Bank ABC Biz Credit Card Online
You can apply for the ABC Biz Credit Card through the applicable online application channel.
Steps to Apply Online
- Visit the official AU Small Finance Bank or authorised application page.
- Enter your basic details, such as name, mobile number, PAN, email address and date of birth.
- Provide the requested financial and personal information.
- Select the ABC Biz Credit Card, if it is available for your profile.
- Review the card's fees, benefits and applicable terms.
- Submit the application and complete the required verification.
- The issuer will assess your application and communicate the application decision through the applicable channel.
Approval is subject to the issuer's credit assessment and internal policies.
How to Apply Offline
- Visit the nearby AU Small Finance Bank or authorised representative.
- After completing the application form, hand over all the documents requested for submission.
- The lender will check everything carefully; if the documents are in order, they will approve the credit card application.
- They proceed to approve your credit card request. Then, an email is sent to the address you mentioned.
AU Bank ABC Biz Credit Card Limit
The credit limit is not necessarily the same for every cardholder. The issuer may consider factors such as income, existing financial commitments, credit history, repayment behaviour and its internal credit policies when determining the limit.
A strong repayment record and responsible use of available credit can help maintain a healthy credit profile. However, an increase in the credit limit is subject to the issuer's approval and cannot be guaranteed.
Is the AU Bank ABC Biz Credit Card Suitable for You?
The ABC Biz Credit Card may be worth considering if you regularly use a credit card for eligible purchases and can benefit from features such as dining discounts, fuel surcharge waiver, railway lounge access and EMI conversion.
Before applying, compare the card's rewards, fees, eligibility requirements and benefits with your spending habits. A card is generally more useful when its benefits match the categories where you spend the most.
FAQs
1. How can I apply for the AU Bank ABC Biz Credit Card?
You can apply online through the applicable application channel or contact an AU Small Finance Bank branch or authorised representative. You will need to provide the required personal and KYC details.
2. What are the main benefits of this card?
Key benefits include reward points, dining discounts, a 1% fuel surcharge waiver, complimentary railway lounge visits and EMI conversion on eligible purchases.
3. What is the monthly fee?
A monthly fee of ₹49 plus applicable GST may apply, subject to the issuer's spend-based waiver conditions.
4. How is the credit limit decided?
The issuer considers factors such as income, credit profile, repayment history and existing financial obligations when determining the limit.
5. What documents are required to apply?
You may need to provide PAN, identity and address proof, along with financial documents such as salary slips, bank statements or ITR, depending on your profile.
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.
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