AU Bank ABC Nxt Credit Card

AU Small Finance Bank partnered with Aditya Birla Finance. The Nxt credit card carry zero joining fee and zero annual fee, making them lifetime-free options. This card provides generous rewards points on selected spending categories such as, bills, groceries, department stores etc. Additionally, they might offer entry to lounges at airports, railways, and bonuses if you hit major spending levels and relief from extra fuel charges.

Key Highlights of AU Bank ABC Nxt Credit Card

• Joining and annual fee is NIL.
• Best suited for reward points.
• 6 reward points up to Rs. 200 spend.
• 5% cashback up to Rs. 100 per month on Ola.

AU Bank ABC Nxt Credit Card Features and Benefits

Ola Cashback:

• Get 5% cashback on eligible Ola bookings, with cashback capped at ₹100 per statement cycle.

Fuel Surcharge Waiver:

• Reduce your fuel expenses with a 1% surcharge waiver on eligible fuel transactions between ₹400 and ₹5,000.

Foreign Currency Mark-up:

• Use your card for international transactions with a 3.50% foreign currency mark-up, subject to applicable charges and terms.

Welcome Reward:

• Receive 500 reward points when you complete your first eligible transaction within 30 days of card setup.

Complimentary Railway Lounge Access:

• Get 2 complimentary railway lounge visits every quarter at participating lounges. Eligible add-on cardholders can also use the available lounge visits within the applicable limit.

Silver Spoon Dining Benefits:

• Enjoy up to 30% discounts at 300+ participating restaurants across 30 cities, helping you save when dining out.

Contactless Payments:

• Pay quickly at supported merchants by simply tapping your card. Eligible contactless transactions of up to ₹5,000 can generally be completed without entering the PIN, subject to applicable security requirements.

Protection Against Card Fraud:

• If your card is lost or stolen, reporting it to the bank promptly can help protect you against eligible fraudulent transactions made after the loss is reported, as per the applicable terms.

Flexible EMI Conversion:

• Convert eligiblecredit card transactions of ₹500 or more into EMIs, provided the total conversion value is at least ₹2,000. You can combine up to 20 billed or unbilled transactions for conversion, subject to eligibility and applicable charges.

Lifetime-Free Add-on Cards:

• Share the card's benefits with eligible family members through add-on cards available without an additional annual fee, subject to the issuer's eligibility and applicable terms.

AU Bank ABC Nxt Credit Card Eligibility Criteria

• Salaried applicants: Must be between 21 and 60 years of age.
• Self-employed applicants: Must be between 25 and 65 years of age.
• Add-on cardholders: Must be 18 years or above.
• Residential status: The applicant should be a resident Indian.

Documents Required

• ID proof such as PAN card, Aadhar card, passport, and driving license.
• Address proof such as Aadhar card, passport, driving license, voter ID card, and utility bills.
• Recent Payslips and income Tax Return (ITR) as income proof.

AU Bank ABC Nxt Credit Card Fees & Charges - H2

• Joining/Annual Fee: NIL
• Forex Markup fee: 3.50%
• Interest free period up to 48 days.
• Cash limit up to 20% of card limit.
• Cash processing fee is NIL.
• Reward points to the redemption fee of Rs.99 plus GST.
• Payment return fees are 2% of the entire amount owed or ₹500, whichever is greater.
• Late payments charge from 0 to Rs.1,300, depending on the statement balance.

Conclusion

The AU ABC Nxt Credit Card can be a suitable option for users looking for a lifetime-free credit card with reward benefits and everyday spending offers. Its key benefits include reward points, Ola cashback, railway lounge access, dining offers, fuel surcharge waiver and EMI conversion on eligible transactions.

Since the value of these benefits depends on individual spending patterns and applicable eligibility conditions, applicants should review the latest fees, reward rules, milestone requirements and exclusions before applying.

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.