ABC Nxt Credit Card
AU Small Finance Bank
Last updated: Feb 03, 2026
₹0
₹0
3.5%
No lounge access
Contents
ABC Nxt Credit Card by AU Small Finance Bank is a lifetime free credit card designed for everyday online and offline shopping. It offers accelerated reward points on key categories like utilities, education, groceries, and departmental stores, plus milestone benefits for high spenders. You can customise your experience with optional paid features such as extra cashback, OTT memberships and lounge access through the Aditya Birla Finance app. With tap-and-pay support on mobile wallets, fuel surcharge waiver and flexible reward redemption, it is a practical card for young professionals and value seekers.
Features of ABC Nxt Credit Card which makes it unique
Lifetime Free with Paid Feature Packs
Card itself is lifetime free while you selectively pay only for benefits you want.
Control overall cost while still enjoying premium-style benefits.
More flexible than many fixed-fee rewards cards.
High Rewards on Essential Bills
6X reward points on education, utilities, grocery and departmental store spends.
Turn regular monthly expenses into accelerated rewards.
Stronger category bonuses than many entry-level lifetime free cards.
Quarterly Double Points Milestone
Earn double reward points when you cross the quarterly spend threshold.
Boost total reward earnings if you consolidate spends on this card.
Milestone benefits uncommon on most basic lifetime free cards.
Rewards Structure of ABC Nxt Credit Card
Online Spends
baseAll eligible online transactions except excluded categories
Ideal for e-commerce, food delivery and app-based payments.
Offline Spends
basePOS transactions at physical stores excluding fuel and restricted MCCs
Useful for everyday swipes at supermarkets, pharmacies and local stores.
Education, Utilities, Grocery & Departmental Stores
basePayments billed under education, utilities, grocery and departmental store MCCs
Great for school fees, electricity bills, DTH, groceries and big-box retail.
Base Rewards
baseAll other eligible retail spends not covered under accelerated categories
Ensures you earn something on almost every eligible transaction.
Cashback Features
baseWhen paid features are activated via Aditya Birla Finance app
Features are chargeable (₹49 – ₹499 for 90 days) and auto-renew unless disabled.
Milestones of ABC Nxt Credit Card
Quarterly Milestone Bonus
₹50,000 in a calendar quarter : Double reward points on eligible spends for that quarter
Fees & Charges of ABC Nxt Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Lifetime free credit card; no annual or renewal fee for primary and add-on cards
Fee Explanation Standard AU Small Finance Bank schedule of charges applies – interest on revolving credit, late payment fee slabs, overlimit fees, and foreign currency markup as per latest MITC for ABC Nxt.
Detailed Explanation of ABC Nxt Credit Card Fees
Joining Fee: ₹0 (one-time)
No joining fee; lifetime free card.
Annual / Renewal Fee: ₹0 (yearly)
No annual or renewal charges for primary or add-on cards.
Interest on Revolving Credit: 3.69% per month (approx. 44.28% p.a.) (monthly)
Applicable on carried-forward balances as per AU Bank schedule of charges for ABC Nxt.
Cash Advance Charges: 2.5% of amount withdrawn (min ₹500) (per transaction)
Cash withdrawal limit typically up to 20% of the credit limit for ABC Nxt.
Foreign Currency Markup Fee: 3.5% of transaction value (per transaction)
Applicable on all international and foreign currency transactions.
Overlimit Charges: 2.5% of overlimit amount (min ₹500) (per statement cycle)
Levied if usage exceeds sanctioned credit limit.
Late Payment Charges: ₹0–₹1,300 (per statement cycle)
Slab-based as per total amount due; up to ₹1,300 for the highest slab.
Payment Return Charges: ₹500 (per instance)
Applicable on cheque, ECS/NACH or AutoPay returns.
Reward Points Redemption Fee: ₹99 + GST (per redemption request)
Applicable when redeeming accumulated reward points.
Fuel Surcharge Waiver: 1% waiver (per statement cycle)
1% fuel surcharge refunded on eligible fuel transactions (up to ₹1,000 waiver per statement cycle, as per AU schedule of charges).
Lounge Access Benefits with ABC Nxt Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
Lounge access is available only if you opt for a paid lounge feature via the Aditya Birla Finance / ABCL app; not complimentary by default.
Insurance Coverage with ABC Nxt Credit Card
Lost Card Liability
As per AU Bank policyZero liability on fraudulent transactions after loss is reported to AU customer care.
Credit Shield
Variable as per bank’s group policyMay cover outstanding balance in case of specific unfortunate events; subject to T&Cs and enrolment where applicable.
Additional Features of ABC Nxt Credit Card
Contactless Payments
Tap-and-pay enabled at NFC POS terminals
Per-transaction tap limit as per RBI and AU Bank guidelines.
Mobile Wallet Support
Can be tokenised on supported apps for secure phone-based payments
Available for AU Visa credit cards on Google Pay and Samsung Pay; UPI-linked usage possible on select apps.
AU 0101 App Integration
Manage card, view statements and pay bills from AU 0101 mobile banking app
Active AU 0101 registration required.
Customisable Features
Add or remove paid features like extra cashback, OTT subscriptions and lounge access
Features priced between ₹49 and ₹499 for 90 days; penalties may apply if spend criteria are not met.
Welcome Bonus with ABC Nxt Credit Card
Welcome Bonus: 500 Reward Points
Bonus Conditions: 500 reward points on first transaction within 30 days of card setup; applicable once per primary cardholder
Application Process for ABC Nxt Credit Card
Processing Time
3–5 working days after successful KYC and credit checks
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Visit AU Small Finance Bank’s website, AU 0101 app or the Aditya Birla Finance (ABCL) app and choose ABC Nxt Credit Card.
Fill in your basic details, income information and contact details in the online application form.
Upload KYC and income documents or complete digital KYC and video KYC if prompted.
Await credit evaluation and approval. Once approved, your virtual card may be available instantly and the physical card is dispatched to your registered address.
Required Documents for ABC Nxt Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
ABC Nxt Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at most Visa-enabled POS terminals and e-commerce websites.
International Acceptance
Accepted at international merchants and ATMs that support Visa, subject to forex markup charges.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for ABC Nxt Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should be an Indian resident with a stable income, valid PAN and Aadhaar, and should meet AU Bank’s internal credit policy.
How Approval Is Decided
- Indian resident aged at least 21 years with stable and verifiable income.
- Clean credit history with a preferred credit score of 700 or above.
- Satisfactory internal risk checks and document verification by AU Bank.
Pros of ABC Nxt Credit Card
- Lifetime free credit card with no annual fee.
- Excellent reward rate on essential spends like utilities, education and groceries.
- Optional feature packs allow you to pay only for benefits you actually use.
- Fuel surcharge waiver helps frequent drivers save on fuel spends.
- Good digital experience via AU 0101 app and mobile wallet support.
Cons of ABC Nxt Credit Card
- Features-based model can be confusing if you do not track which packs are active.
- Cashback from paid features may require meeting specific spend criteria.
- No default free airport lounge access without opting for a paid feature.
- Foreign currency markup of 3.5% makes it less attractive for heavy international travellers.
Frequently Asked Questions about ABC Nxt Credit Card
Is the AU Bank ABC Nxt Credit Card really lifetime free?
Yes. The AU Bank ABC Nxt Credit Card is a lifetime free credit card with no joining or annual fee. You only pay if you activate optional paid features like extra cashback, OTT subscriptions or lounge access.
What welcome benefits do I get on ABC Nxt Credit Card?
You receive 500 bonus reward points on completing your first transaction within 30 days of card setup, subject to the bank’s terms and conditions.
How are reward points earned on AU Bank ABC Nxt Credit Card?
You earn 6X reward points on education, utilities, grocery and departmental store spends, 4X reward points on online spends, 2X on other offline spends and 1X as the base rate on remaining eligible transactions. Optional feature packs can add extra cashback on top.
What is the value of reward points on ABC Nxt Credit Card?
Typically, 1 reward point is valued at around ₹0.20, but the exact value can vary depending on how you redeem – vouchers, travel, merchandise and other options on AU’s rewards portal.
Who is eligible to apply for AU Bank ABC Nxt Credit Card?
Indian residents aged 21 or above with a stable income, a good credit profile (usually a credit score of 700 or higher) and valid KYC documents such as PAN, Aadhaar and address proof are generally eligible, subject to AU Bank’s internal policies.
Does ABC Nxt Credit Card support Google Pay, Samsung Pay or PhonePe?
AU Visa Credit Cards, including ABC Nxt, can be tokenised and used with supported mobile wallets such as Google Pay and Samsung Pay for tap-and-pay payments. You can also link compatible cards for UPI-based payments on apps like PhonePe as per AU’s digital banking guidelines.
Are there any fuel benefits on AU Bank ABC Nxt Credit Card?
Yes. You get a 1% fuel surcharge waiver on eligible fuel transactions within the specified transaction range, up to a maximum waiver per statement cycle as per AU Bank’s schedule of charges.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.
