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AU Small Finance Bank
Aditya Birla Finance ABC AU Flex Credit Card
RuPay
Aditya Birla Finance ABC AU Flex Credit Card
One of four NBFC co-brand cards Aditya Birla Finance launched with AU Small Finance Bank in 2024, the Flex variant is lifetime-free and aimed at mass-market customers, with app-based customisation of which spend categories earn accelerated rewards.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in online shopping, groceries. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛒 Groceries
2% reward rate
- 🛍️ Shopping
2% reward rate
- ⛽ Fuel
Fuel surcharge waiver at select stations.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- 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- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction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
- Personalise categories for accelerated cashback via the Aditya Birla Finance app.
- Fuel surcharge waiver at select stations.
Pros
- + Lifetime free with no joining or annual fee
- + Customisable reward categories via app
- + Accessible eligibility bar
Cons
- − No lounge access or travel benefits
- − Newer co-brand with a thinner servicing track record
Best for