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Key Features of ABC Nxt and Flex Credit Card

    Introducing the ABC Nxt and Flex Credit Card

    Whether you're a dynamic Gen Z or a seasoned customer, you can now enjoy tailored benefits that resonate with your individual preferences. Earn accelerated rewards on your daily spends and customize your card with features as per your changing needs. Take advantage of these benefits and enjoy seamless transactions with exclusive rewards.

    Introducing Aditya Birla Finance AU NXT & FLEX Credit Cards, designed to cater to the unique financial needs and lifestyles of distinct generations.

    Lifetime Free Credit Cards with pre-loaded benefits and the convenience of feature customisation! Click here for Customisable Features List

Features and Benefits of ABC Nxt ABC Flex Credit Cards

Welcome Offer

Get 500 Reward Points with your first transaction within 30 days of Card Setup

Accelerated Reward Points

  • • Earn 6 Rewards Points for every ₹200 spent on Utilities, Grocery & Departmental stores, and Education category spends
  • • Earn 4 Rewards Points for every ₹200 spent on Online Spends
  • • Earn 2 Rewards for every ₹200 spent on Points on Offline Spends
(Not applicable on EMI, Cash Withdrawals, Fuel, Insurance, Jewellery & Rental spends)

Quarterly Milestone Benefit

Earn Double Reward Points on retail spends greater than ₹50,000 in a calendar quarter. All spends earning 6X Reward Points will earn 12X Reward Points, 4X Reward Points will earn 8X Reward Points and 2X Reward Points will earn 4X Reward Points. (X represents – 1 Reward point earned for every ₹200 spent)

Cashback on daily travel spends

Earn 5% Cashback up to ₹100 per statement cycle on OLA bookings

Fuel Surcharge

Get 1% Fuel Surcharge Waiver for all fuel transactions between ₹400 and ₹5,000

Foreign Currency Mark-up

Get 3.50% Forex Mark-up on your international spends

Complimentary Railway Lounge

  • • Enjoy 2 Railway Lounge Accesses per quarter
  • • For eligible list of Railway lounges, click here. Add-on cardholders can also enjoy these benefits within the mentioned complimentary number of visits

Silver Spoon Dining Program

Get up to 30% discount at our selected 300+ partnered restaurants in 30 cities. To know more, click here

Contactless Card Usage

Use your Credit Card to make quick, secure & easy payments by just tapping the card and paying at participating merchants without entering Credit Card PIN for spends up to ₹5,000

Card Liability Cover

  • • In an unfortunate event of loss of Credit Card, you carry zero liability on any fraudulent transactions made with card after reporting the loss to the bank
  • • Also, you are protected against Card Counterfeit/Skimming and Online frauds
 
Please click here to view detailed terms and conditions

Xpress EMI

Convert your transactions worth ₹2,000 or more into easy EMI options on select tenure of your choice. Simply call our Customer Care helpline to book your Xpress EMI

Add-on Cards

Offer your benefits to your loved ones, through our Add-on card offering. What's more? Your Add-on card comes free for lifetime! So, go ahead and avail it

Aditya Birla AU Flex & Nxt Credit Cards are lifetime free

 
*There is a revenue sharing agreement between AU Small Finance Bank and Aditya Birla Finance Limited for the co-brand partnership.

Eligibility Criteria

- Primary cardholder between the age of 21 years and 60 years
- Add-on cardholder should be over 18 years
- Resident Indian

FAQs – AU Flex & Nxt Credit Card

 

Q1. Is there any Annual fee applicable on my ABC Flex or ABC Nxt Credit Card?

No, ABC Flex & ABC Nxt Credit Cards are lifetime free credit cards. However, you may choose add-on features starting from ₹49 to ₹499 to earn additional cashback & other varied benefits on your card.

Q2. Are the features auto renewed on ABC Flex or ABC Nxt Credit Card?

All the features are valid for 90 days effective from the day they are activated. Each feature, however, will be designated as auto renewal and will be renewed after 90 days. Customers can disable auto renewal of any feature that has already been selected by visiting the ABFL Mobile App or via https://pwa-cf-credit-card.aubank.in/Features/ManageFeatures/ABC-Flex/Login for ABC Flex Cards and via https://pwa-cf-credit-card.aubank.in/Features/ManageFeatures/ABC-Nxt/Login for ABC Nxt Cards. Once disabled, feature would not be renewed post 90 days of existing feature duration.

Q3. Where can we disable auto renewal of features on ABC Flex or ABC Nxt Credit Card?

You may Disable auto-renewal through ABFL Mobile App. All benefits are applicable for 90 days with auto renewal enabled by default.

Q4. What is the feature duration of ABC Flex or ABC Nxt Credit Card?

All features are valid for 90 days from the date they are activated. Feature fees for 90 days would be levied on the day customer opts in for the feature.

Q5. When will I receive the cashback on ABC Flex or ABC Nxt Credit Card?

Cashback will be credited after 5 days of the 30-day ending period.

Q6. When will I receive membership code applicable on ABC Flex or ABC Nxt Credit card?

Customer will receive membership code instantly on activating the feature and it will be visible on ABFL App. Penalty charges will be applicable on not meeting the spends criteria, which is given below:

Category

Feature Name

Conditions (if any)

 

Zee5 - 3 months

₹5,000 to be spent in 90 days' period, otherwise penalty of ₹50 to be levied

Amazon Prime - 3 months

₹10,000 to be spent in 90 days' period, otherwise penalty of ₹100 to be levied

Cult Fit - 3 months

₹20,000 to be spent in 90 days' period, otherwise penalty of ₹200 to be levied

Penalty will be levied post 5 days after feature end date

Q7.  What is an Interest-Free Credit Period?

You can enjoy up to 48 days of Interest-Free Credit Period on your ABC Flex or ABC Nxt Credit Card. For more details, refer to our Most Important Terms & Conditions.

Q8. Where can I redeem my Reward Points?

You can redeem your Reward Points as of your last statement balance from the ABFL app or AU 0101. You can also view your redeemable points here.

*Please note that a minimum of 200 Reward Points is required for redemption. A nominal fee of ₹99 + GST will be levied on each successful redemption.

*Reward points are valid for 2 years from the specific statement month. For example: The Reward Points that you receive in the May 2023 statement, if not used, will expire in May 2025.

Q9. How can I pay my ABC Flex or ABC Nxt Credit Card bill?

Here’s how you can pay your ABC Flex or ABC Nxt Credit Card bill -

On the ABFL app

  • Log in to the ABFL app Credit Card Services flow using your mPIN.
  • Go to the Account Summary and tap on 'Pay Bill’.
  • Review and select your preferred bill amount.
  • Choose a payment method and settle your ABC Flex or ABC Nxt Credit Card bill.

For AU Small Finance Bank account holders

  1. AU Small Finance Bank account holders can also make payments through the AU 0101 app or NetBanking.
  1. Payments can be made using the Autopay facility wherein based on the standing instruction given, funds can be automatically transferred from the cardholder's AU Small Finance Bank account to the cardholder's credit card account on the due date.
  1. Payments can also be made via an AU Small Finance Bank cheque. Please submit this at any of our branches. Write the cheque payable to "AU Credit Card Number xxxx xxxx xxxx xxxx" and deposit it at least 3 working days before the due date for timely processing.

Q10. I have not received my monthly credit card statement. What should I do? 

Please write to us at [email protected] or call us at 1800 1200 1500 for assistance. If you wish to know the Outstanding Amount on your Travel Credit Card, you can use our 'AURO' chatbot service on the website (under 'View Card Information'), or log into our NetBanking or Mobile Banking Application.

Q11. How can I place the request to get my lost/stolen/damaged card replaced?

You can register via the ‘Settings’ option for ‘Credit Card Login’ on the ABFL app. If you need assistance, you can contact our Customer Care at 1800 1200 1500 to place a new card request. Please note, card replacement charges of ₹100 + taxes, will apply.

Q12. How do I activate my card and generate a card PIN?

You can activate your card and generate the card PIN by following any of the below steps:

  • Login to the ABFL app with your registered mobile number > Credit Card Login > Set PIN
  • Visit our website at www.aubank.in > Credit Cards section > Credit Card Services > Set my PIN and follow the steps as briefed
  • Visit our website www.aubank.in > Use our Chatbot service ‘AURO’ > Credit Card Services > Set my PIN and follow the steps as briefed
  • Call our Customer Care No. 1800 1200 1500 and set your PIN on the IVR service

Note - Credit Card PIN Generation will automatically activate your ABC Pro Credit Card.

Q13. How do I enable/disable transaction types on my ABC Flex or ABC Nxt Credit Card?

You can enable/disable transactions on your ABFL Credit Card by following any of the steps below:

  • Log in to the ABFL app with your registered mobile number > Credit Card Login > Card Controls
  • Visit our website www.aubank.in > Credit Cards section > Credit Card Services > Enable/Disable Transaction Types and follow the steps as briefed
  • Log in to our NetBanking or Mobile Banking application > Visit the 'Manage Limits' section and follow the steps as briefed
  • Call our Customer Care No. 1800 1200 1500 and enable or disable transaction types through the IVR service

Q14. When will I receive my cashback for Ola spends?

Cashback earned on OLA spends during a statement cycle will be posted to your account within 15 days post statement generation date.

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