Aditya Birla Capital AU Small Finance Bank Credit Card
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Aditya Birla Finance AU Flex Credit Card

A credit card with
customizable features to
meet the needs of all.

Apply Now

Network Partners:

Issuing Bank Partner:

Rewards & Milestones
Features & Benefits
Fees & Charges
Value Chart
Rewards & Milestones
Earn accelerated reward points on each transaction:

6X reward points on select categories like Education, Utilities, Grocery and Departmental stores

4X reward points on Online and 2X reward points on Offline spends

Avail Quarterly Milestone Benefit of double reward points on spends greater than ₹50,000 in a quarter

500 reward points on first transaction within 30 days of the Card Setup

1X = 1 Reward Point per ₹200 spends. 1 Reward Point = ₹0.20

Reward Points not earned when spends done in the following categories: EMI, Cash Withdrawals, Fuel, Insurance, Jewellery & Rent

Features & Benefits
Get the freedom to customize your card:

Up to 5% cashback with select categories

Earn cashback on achieving spends milestone every quarter

Get exciting curated memberships

Avail airport lounge access as required

To save more, know more

Live life unlimited with:

Up to 30% off
with dining partners with
Silver Spoon Dining Program

Exclusive offers on
Swiggy, Zomato, and
many more

Earn 5% cashback up to ₹100 per statement cycle on Ola bookings

Unlimited 1% Fuel Surcharge Waiver for all fuel transactions between ₹400 and ₹5,000

2 railway lounge access/quarter

EMI conversion on spendsabove ₹2,000

Card Liability Cover in case of an unfortunate event of card lossand misuse

Fees & Charges

Zero Fees, Maximum Benefits with:

Zero Joining Fee and Annual Fee

Forex Markup of 3.50%

For more details on fees and charges, please refer to the Key Fact Statement

To refer to the terms and conditions, Click here

Value Chart
ABC Flex Value Chart on monthly spends of INR 52,500

Online Spends (4X rewards)
Except Grocery, Utilities, Education, and Departmental Stores spends

6,000

288

Offline Spends (2X rewards)
Except Grocery, Utilities, Education, and Departmental Stores spends

4,000

96

Grocery Spends (6X rewards)

14,000

1,008

Utilities Spends (6X rewards)

11,000

792

Education Spends (6X rewards)

5,000

360

Departmental Stores Spends (6X rewards)

10,000

720

Fuel Surcharge Waiver

1,000

120

Silver Spoon Dining Spends
For more details on the restaurants, click here

1,500

5,400

Other Portfolio Offer Benefits
(movie ticket, dining, travel, food offers, etc)

-

18,000
average benefit of INR 1,500 monthly)

Welcome Benefit (500 reward points)

-

100

Railway Lounge Benefit
Twice every quarter

-

2,400

Milestone Cashback
Assuming spends for all 3 months in the current quarter remain same as assumed above,you get double RPs on spends greater than 50k in calendar quarter.

-

4,352

Total Annual Benefits

31,460

Value chart is made using certain assumptions, that the customer will be spending the minimum of the above-mentioned amount on the categories covered. This value chart is for illustrative purpose only.

Scan the QR Code to download the Aditya Birla Finance Mobile App and manage your card on your fingertips
Terms and Conditions apply.
This card is issued by AU Small Finance Bank Limited in partnership with Aditya Birla Finance Limited (co-branding partner). Terms and conditions of AU Small Finance Bank and third parties apply. AU Small Finance Bank and Aditya Birla Finance Ltd are not responsible for third party goods, services and offers. All pictures shown are for illustration purpose only.

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