AU ABC Nxt Credit Card: Fees, Rewards & Benefits
Online Shopping card
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AU ABC Nxt is a flexible, lifetime-free card whose appeal is its low-commitment customisation, but the headline benefits largely require paid add-on feature packs and the Rs. 0.20 point value keeps base returns thin. It works as a free secondary card for utility/online spends and quarterly milestone chasers, not as a primary rewards driver.
Online Shopping card
The Bottom Line
The AU ABC Nxt is built for no-fee utility payer and quarterly bulk spender. With no annual fee, it offers 0.6% rewards on utility and 500 bonus points. It makes the most sense if your spending matches no-fee utility payer and quarterly bulk spender.
It earns a base reward rate of 0.2% and stacks best when your spending lines up with No-fee utility payer, Quarterly bulk spender.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealSomeone wanting a free card that earns a small bonus on utility and online spends without any annual commitment.
A user who crosses Rs. 50,000 in retail spend per quarter to unlock the double-points multiplier on all eligible spends.
Probably not for
SkipAt Rs. 0.20 per point the effective return is low, and the best benefits sit behind paid add-on packs.
There is no airport lounge access, only railway lounges.
Is It Worth It For You?
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Reward Rates
AU ABC Nxt offers 0.2% basic reward rate.
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Welcome Offer
500 Reward Points on completing the first card transaction within 30 days of card set-up.
Milestone Benefits
Double Reward Points on all eligible spends in a calendar quarter once total retail spends exceed Rs. 50,000 (6X->12X, 4X->8X, 2X->4X).
Fees & Charges
Eligibility
- Min Credit Score: 750
- Resident Indian aged 21-60 (primary); co-branded card with Aditya Birla Finance; lifetime free base card; no specific income disclosed.
Exclusions & Terms
Forex markup
- Foreign currency markup
Cash Withdrawals
- Does not earn reward points.
BBPS Transactions
- Bharat Bill Payment System transactions do not earn reward points.
EMI Transactions
- Does not earn reward points. EMI conversion available on transactions above Rs. 2,000.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
No annual fee. Apply on the AU Small Finance Bank website.
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