All cards / AU Small Finance Bank
AU Small Finance Bank
Aditya Birla Finance ABC AU Biz Credit Card
Visa
Aditya Birla Finance ABC AU Biz Credit Card
A monthly-fee business card in the Aditya Birla Finance/AU SFB co-brand family, aimed at small business owners and self-employed professionals who want accelerated rewards on recurring business spend rather than a travel-focused product.
Annual fee
₹49
Joining fee
₹0
Reward type
cashback
Base reward rate
1.5%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to self-employed applicants with a credit score of roughly 700+ whose spend is concentrated in dining, utilities. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Up to 30% discount across select dining partners
- Rewards rate: 1.5% base rate
Benefits by category
- 🍽️ Dining & food delivery
3% reward rate · Up to 30% discount across select dining partners.
- 🧾 Utilities
2% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹10,000
- Rewards redemption fee: Cashback is credited directly, no separate redemption fee
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction
Benefits
- Up to 30% discount across select dining partners.
- Business-expense tracking tools via the Aditya Birla Finance app.
Pros
- + No joining fee, fee charged monthly instead of upfront annually
- + Business-oriented dining and utility rewards
- + Designed for self-employed applicants
Cons
- − No lounge access
- − Monthly fee (₹49 + taxes) is waived only in months with ₹10,000+ spend