ABC Flex Credit Card
AU Small Finance Bank
Last updated: Feb 03, 2026
₹499
₹499
1.99%
10 visits/yr
Contents
ABC Flex Credit Card by AU Small Finance Bank is a versatile lifestyle and cashback credit card designed for everyday Indian spending. It combines value-packed cashback, rewarding points, and milestone benefits on online shopping, groceries, dining, and utility bills. Cardholders enjoy contactless Visa acceptance, low foreign currency mark-up, and complimentary lounge access for more comfortable travel. With flexible fee waivers and strong digital wallet support, this card fits salaried professionals and self-employed users who want to maximise rewards on regular expenses.
Features of ABC Flex Credit Card which makes it unique
Flex Benefit Packs
Choose category-based benefit packs such as Online Shopping, Travel or Dining from time to time.
Optimise rewards according to your spending pattern without changing cards.
More flexible than many fixed-benefit mid-range credit cards.
Spend Analytics
Detailed monthly breakdown of spending by category through AU 0101 app.
Helps track expenses, identify trends and budget better.
Easy-to-read analytics dashboard compared with basic SMS-only tracking.
Rewards Structure of ABC Flex Credit Card
Base Rewards
baseAll retail spends except fuel, rent, wallet loads and excluded categories
Reward Points are earned on most day-to-day spends and can be redeemed for vouchers, merchandise, or statement credit as per AU Bank’s rewards catalogue.
Online Shopping
acceleratedE-commerce transactions on popular apps and websites in India
Ideal for users who frequently shop online for electronics, fashion, travel bookings and daily essentials.
Dining & Food Delivery
acceleratedRestaurants, cafés, and major app-based food delivery platforms
Higher reward rate on dining and food orders makes this card attractive for frequent diners.
Groceries & Utilities
acceleratedSupermarkets, grocery apps, and registered utility billers (electricity, water, gas, broadband, DTH)
Designed to reward essential household spending every month.
Fuel Spends
baseFuel transactions between ₹400 and ₹5,000 at participating fuel stations in India
Fuel surcharge waiver is offered instead of Reward Points on eligible fuel transactions.
Milestones of ABC Flex Credit Card
Quarterly Shopping Milestone
₹50,000 : E-vouchers worth ₹500 from leading online brands
Annual Spend Milestone
₹2,50,000 : Bonus 5,000 Reward Points plus renewal fee waiver
Fees & Charges of ABC Flex Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,200 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee waived on spending ₹1,50,000 or more in the previous card anniversary year.
Fee Explanation Standard AU Small Finance Bank credit card charges apply on cash advances, overdue amounts, and overlimit usage as per the schedule of charges.
Detailed Explanation of ABC Flex Credit Card Fees
Joining Fee: ₹499 + taxes (one-time)
May be reversed as a limited-period launch offer at AU Small Finance Bank’s discretion.
Annual / Renewal Fee: ₹499 + taxes (yearly)
Waived when you spend ₹1,50,000 or more in the previous card anniversary year.
Cash Advance Fee: 2.5% of the withdrawn amount (minimum ₹300) (per transaction)
Interest on cash advances is charged from the transaction date until full repayment.
Forex Mark-Up Fee: 1.99% of the transaction value (per transaction)
Applicable on international transactions in foreign currency, plus taxes as applicable.
Late Payment Fee: Up to ₹1,200 (per statement cycle)
Charged when the minimum amount due is not paid by the due date; slab-based as per bank policy.
Overlimit Fee: 2.5% of the overlimit amount (minimum ₹500) (per occurrence)
Charged when the total outstanding exceeds the assigned credit limit.
Lounge Access Benefits with ABC Flex Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Up to 2 complimentary lounge visits per quarter at select railway and domestic airport lounges for the primary cardholder.
international Lounges
silverVisits per year: 2
Guest access: No
International lounge access provided via network or partner programme; visits and locations subject to AU Bank’s lounge access policy.
Insurance Coverage with ABC Flex Credit Card
travel insurance
₹10,00,000Complimentary travel insurance cover on select international trips booked using the card, as per policy terms.
purchase protection
₹50,000Covers eligible retail purchases against damage or theft for up to 90 days from purchase date.
lost card liability
₹1,50,000Protects against unauthorised transactions post reporting card loss to AU Bank.
Additional Features of ABC Flex Credit Card
Contactless Payments
Tap to pay for small-ticket transactions at supported NFC-enabled terminals.
Per-transaction limits and PIN requirements as per RBI and AU Bank guidelines.
Add-On Cards
Up to 3 add-on cards for family members at no additional joining fee.
Primary cardholder remains responsible for all spends and repayments.
Smart EMI
Convert eligible high-value transactions into flexible EMIs from the AU 0101 app or internet banking.
EMI tenure and interest rate depend on offer at the time of conversion.
Welcome Bonus with ABC Flex Credit Card
Welcome Bonus: 5% cashback on first spends.
Bonus Conditions: 5% cashback on cumulative retail spends up to ₹10,000 within 60 days of card issuance; maximum cashback ₹500, credited within 90 days.
Application Process for ABC Flex Credit Card
Processing Time
5–7 business days after successful verification
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Visit the AU Small Finance Bank website or AU 0101 app and choose ABC Flex Credit Card.
Fill in basic details such as name, mobile number, PAN and income information.
Upload KYC and income documents online or schedule a pickup if required.
AU Bank performs credit and eligibility checks based on your profile.
On approval, the virtual card may be activated for online use, and the physical card is dispatched to your communication address.
Required Documents for ABC Flex Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Business / Income Proof
self_employedAccepted documents:
ABC Flex Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance at most POS terminals and online merchants across India that support Visa credit cards.
International Acceptance
Accepted globally at millions of merchants on the Visa network.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for ABC Flex Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must be an Indian resident with a stable income, valid PAN, Aadhaar, and current address proof. Final approval is at AU Small Finance Bank’s discretion.
How Approval Is Decided
- Minimum monthly income as specified by AU Small Finance Bank for your segment and location
- Indian resident aged 21 years or above with valid KYC documents
- Clean credit history with a suggested minimum credit score of 700 or above
- Internal AU Bank underwriting and risk assessment parameters
Pros of ABC Flex Credit Card
- Good reward rate on online shopping, dining, groceries and utilities
- Low foreign currency mark-up compared with many mid-range cards
- Complimentary lounge access for frequent travellers
- Reasonable annual fee and simple spend-based waiver conditions
Cons of ABC Flex Credit Card
- Fuel transactions earn surcharge waiver but no Reward Points
- Maximum value unlocked only at higher monthly spends
- Benefits and partners may change as per AU Bank policy
Frequently Asked Questions about ABC Flex Credit Card
Is there a joining fee for the ABC Flex Credit Card?
Yes, the joining fee is ₹499 plus applicable taxes. From time to time AU Small Finance Bank may run limited offers that reduce or reverse the joining fee.
How can I get the annual fee waived on the ABC Flex Credit Card?
Your annual fee is waived when your total eligible retail spends on the card in the previous anniversary year are ₹1,50,000 or more.
Do I earn Reward Points on utility and grocery payments?
Yes, eligible grocery and utility payments earn accelerated Reward Points as per the Groceries & Utilities reward structure, subject to monthly caps and excluded merchant categories.
Are fuel transactions eligible for rewards on the ABC Flex Credit Card?
Fuel transactions between ₹400 and ₹5,000 at participating fuel stations receive a 1% fuel surcharge waiver. Reward Points are generally not provided on fuel transactions.
How can I redeem Reward Points earned on the ABC Flex Credit Card?
You can redeem Reward Points through the AU 0101 app or AU Bank rewards portal for e-vouchers, merchandise, travel bookings or statement credit, subject to the prevailing rewards catalogue.
Does the ABC Flex Credit Card support contactless and mobile wallet payments?
Yes, the card is enabled for contactless tap-and-pay transactions and can be linked to supported mobile wallets for faster and safer digital payments.
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