Aditya Birla AU Bank Credit Cards

Aditya Birla Finance Limited, in partnership with AU Bank, presents a diverse range of credit cards for personal and business needs. Enjoy features like lifetime-free cards, low forex charges, and customization options. The ABC Credit Card range offers exclusive perks, including ZEE5, Amazon Prime, and Cult.fit memberships. Access tailored lounge benefits with Flex and Nxt Credit Cards. The highlight is their lifetime-free nature, ensuring no joining or renewal fees. Experience a new level of financial convenience and rewards.

Key Highlights of Aditya Birla AU Bank Credit Card

  1. Explore lifetime free credit cards.
  2. Customize your experience with two unique ABC Credit Cards.
  3. Business-friendly credit card options are at your fingertips.
  4. Earn Accelerated Reward Points on select categories for added perks.

Features and Benefits of Aditya Birla AU Bank Credit Card

The Aditya Birla AU Bank Credit Card offers several features and benefits:

  • Movie & Dining Rewards:
    • Accelerated points, exclusive dining discounts.
  • Rewards Rate:
    • Each card offers accelerated points for special categories.
    • Up to 6X points for online transactions.
  • Reward Redemption:
    • 1 RP = Rs. 0.20.
  • Travel:
    • Free railway lounge access if offered.
  • Golf:
    • Not applicable.
  • Domestic Lounge Access:
    • Free access offered or available with custom variants.
  • International Lounge Access:
    • Free access offered or available with custom variants.
  • Insurance Benefits:
    • Not applicable.
  • Zero Liability Protection:
    • Cardholder not liable for fraudulent transactions if reported promptly.

Aditya Birla AU Bank Credit Card Fees and Charges

Explore the fee structure for the Aditya Birla AU Bank Credit Card and discover the financial advantages that come with it.

  • Spend Based Waiver: Not applicable for this credit card.
  • Rewards Redemption Fee: No fee for redeeming rewards.
  • Foreign Currency Markup: Varies from 1.99% to 3.5%.
  • Interest Rates: Monthly interest rate is 3.59%, equivalent to 43.08% annually.
  • Fuel Surcharge: Enjoy a 1% fuel surcharge waiver.
  • Cash Advance Charges: 2.5% fee for cash advances.
  • Add-on Card Fee: Not applicable for obtaining an additional card.

Eligibility Criteria for Aditya Birla AU Bank Credit Card

Here are essential criteria for applying for an Aditya Birla AU Bank Credit Card:

  1. Indian residency is a prerequisite.
  2. Primary cardholder’s age: 21 to 60.
  3. Add-on cardholder must be 18 or older.

How To Apply for Aditya Birla AU Bank Credit Card?

Follow these steps to apply for the Aditya Birla AU Bank Credit Card:

  1. Visit the Official Website:
    • Go to Aditya Birla AU Bank’s official website.
  2. Explore Credit Card Options:
    • Browse and select the desired credit card based on your preferences and needs.
  3. Click on ‘Apply Now’:
    • Locate the ‘Apply Now’ button on the chosen credit card page and click on it.
  4. Fill Out the Application Form:
    • Complete the online application form with accurate personal and financial details.
  5. Submit Required Documents:
    • Upload or submit necessary documents as specified, such as proof of identity, address, and income.

Frequently Asked Questions (FAQs)

Q1: How can I apply for an Aditya Birla AU Bank Credit Card?

A1: You can apply online through the bank’s official website or visit a branch for assistance.

Q2: What are the key features of the credit card?

A2: Enjoy accelerated reward points, exclusive dining discounts, and benefits like free lounge access and zero liability protection.

Q3: How can I redeem the reward points earned on the credit card?

A3: Reward points can be redeemed at the rate of 1 RP = Rs. 0.20. Visit the bank’s rewards portal for redemption options.

Q4: What is the eligibility criteria for obtaining this credit card?

A4: Eligibility criteria include a minimum age, income requirement, and a good credit score. Check the bank’s website for specific details.

Q5: Are there annual fees for the Aditya Birla AU Bank Credit Card?

A5: The annual fees vary based on the card variant. Refer to the terms and conditions or contact the bank for specific fee details.

Q6: Can I get international lounge access with this credit card?

A6: Yes, depending on the card variant, you may enjoy free international lounge access or avail it with custom variants.

Q7: How does the zero liability protection work?

A7: If your card is reported lost or stolen promptly, you won’t be held liable for any fraudulent transactions made on the card.

Q8: Are there any insurance benefits associated with the credit card?

A8: No, the credit card currently does not offer insurance benefits. Check the terms for any updates.

Q9: What are the customer service contact details for credit card queries?

A9: Contact the bank’s customer service through the provided hotline or visit the nearest branch for assistance with credit card queries.

Q10: Can I track my credit card transactions online?

A10: Yes, you can easily track and manage your credit card transactions through the bank’s online banking portal or mobile app.