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AU Small Finance Bank
Aditya Birla Finance ABC AU Nxt Credit Card
Visa
Aditya Birla Finance ABC AU Nxt Credit Card
The millennial-targeted sibling to the ABC AU Flex card in Aditya Birla Finance and AU Small Finance Bank's co-brand lineup, lifetime-free with app-driven category customisation and offers skewed toward food delivery, OTT and online spend.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
Visa
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, dining. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
2% reward rate · Curated millennial-focused offers on food delivery and OTT.
- 🛍️ Shopping
2.5% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹18,000
- Employment: salaried, self-employed
- Age: 21–45
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- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction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 reward categories via the Aditya Birla Finance app.
- Curated millennial-focused offers on food delivery and OTT.
Pros
- + Lifetime free
- + App-based reward category customisation
- + Skews rewards toward everyday digital spend
Cons
- − No lounge access
- − Largely overlaps with the Flex variant in practice
Best for