FirstFive Delights
Earn 4 Reward Points for every ₹200 spent on online & offline spends except special categories for first 5 days every month
Accelerated Reward Points
Complimentary Railway Lounge
Fuel Surcharge
Get 1% Unlimited Fuel Surcharge Waiver for all
fuel transactions between ₹400 and ₹5,000
Foreign Currency Mark-up
Get 3.50% Forex Mark-up on your international spends
Silver Spoon Dining Program
Get up to 30% discount at our selected 300+ partnered restaurants in 30 cities. To know more, click here
Contactless Card Usage
Use your Credit Card to make quick, secure & easy payments by just tapping the card and paying at participating merchants without entering Credit Card PIN for spends up to ₹5,000
Xpress EMI
Convert your transactions worth ₹2,000 or more into
easy EMI options on select tenure of your choice.
Simply call our Customer Care helpline to book your Xpress EMI
Add-on Cards
Offer your benefits to your loved ones, through our Add-on card. What's more? Your Add-on Credit Card is Lifetime Free! So, go ahead and avail it
Things to know
Fees and Charges
Joining Fee
- Enjoy the benefits of ABC Biz Credit Card with a monthly joining fee of just ₹49 per month
Spend ₹10,000 in every statement cycle to get the monthly fee waived off
*There is a revenue sharing agreement between AU Small Finance Bank and Aditya Birla Finance Limited for the co-brand partnership.
Eligibility Criteria
Primary cardholder age group
- Self Employed: 25 years to 65 years
Salaried: 21 years to 60 years
Add-on cardholder
- Should be over 18 years
Resident Indian
Quick links
More credit card(s) like this
Why AU
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National presence
Bank with us through a network of 2,900+ touchpoints .
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Get a bit more
Enjoy quality services at competitive rates.
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Visit branches without the wait
Our ample touchpoints ensure all our customers are conveniently served.
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Superfast app
Manage and track all your transactions on the AU 0101 App.
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Sustained growth
Expanding by every quarter, with a balance sheet of over ₹1 lakh crore.
Bank anywhere anytime, on the AU 0101 mobile app
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![View balance and transactions]()
View balance and transactions
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![Download account statement]()
Download account statement
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Request cheque book
40+ lakh customers banking on app
Not sure which product is right for you?
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Personal assistance
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No spam
Customer support
24x7 help
Frequently Asked Questions (FAQs)
Is there any Annual fee applicable on my ABC Biz Credit Card?
Monthly fee of ₹49 + GST is applicable in this Card with the option of spend based monthly fee reversal on achieving spends of ₹10,000 in every statement cycle.
What is an Interest-Free Credit Period?
You can enjoy up to 48 days of Interest-Free Credit Period on your ABC Biz Credit Card. For more details, refer to our Most Important Terms C Conditions.
Where can I redeem my Reward Points?
You can redeem your Reward Points as of your last statement balance from the ABCL app or AU 0101. You can also view your redeemable points here.
*Please note that a minimum of 200 Reward Points is required for redemption. A nominal fee of ₹99 + GST will be levied on each successful redemption.
*Reward points are valid for 2 years from the specific statement month. For example: The Reward Points that you receive in the May 2023 statement, if not used, will expire in May 2025.
How can I pay my ABC Biz Credit Card bill?
Here’s how you can pay your ABC Biz Credit Card bill
On the ABCL app
- Log in to the ABCL app Credit Card Services flow using your mPIN.
Go to the Account Summary and tap on 'Pay Bill’.
Review and select your preferred bill amount.
Choose a payment method and settle your ABC Biz Credit Card bill.
Card bill. For AU Small Finance Bank account holders
- AU Small Finance Bank account holders can also make payments through the AU 0101 app or NetBanking.
Payments can be made using the Autopay facility wherein based on the standing instruction given, funds can be automatically transferred from the cardholder's AU Small Finance Bank account to the cardholder's credit card account on the due date.
Payments can also be made via an AU Small Finance Bank cheque. Please submit this at any of our branches. Write the cheque payable to "AU Credit Card Number xxxx xxxx xxxx xxxx" and deposit it at least 3 working days before the due date for timely processing.
I have not received my monthly credit card statement. What should I do?
Please write to us at creditcard.support@aubank.in or call us at 1800 1200 1500 for assistance. If you wish to know the Outstanding Amount on your Travel Credit Card, you can use our 'AURO' chatbot service on the website (under 'View Card Information'), or log into our NetBanking or Mobile Banking Application.
How can I place the request to get my lost/stolen/damaged card replaced?
You can register via the ‘Settings’ option for ‘Credit Card Login’ on the ABCL app. If you need assistance, you can contact our Customer Care at 1800 1200 1500 to place a new card request. Please note, card replacement charges of ₹100 + taxes, will apply.
How do I activate my card and generate a card PIN?
You can activate your card and generate the card PIN by following any of the below steps:
- Login to the ABCL app with your registered mobile number > Credit Card Login > Set PIN
Visit our website at www.aubank.in> Credit Cards section > Credit Card Services > Set my PIN and follow the steps as briefed
Visit our website www.aubank.in > Use our Chatbot service ‘AURO’ > Credit Card Services > Set my PIN and follow the steps as briefed.
Call our Customer Care No. 1800 1200 1500 and set your PIN on the IVR service.
Note - Credit Card PIN Generation will automatically activate your ABC Biz Credit Card.
How do I enable/disable transaction types on my ABC Biz Credit Card?
You can enable/disable transactions on your ABCL Credit Card by following any of the steps below:
- Log in to the ABCL app with your registered mobile number > Credit Card Login > Card Controls
Visit our website www.aubank.in > Credit Cards section > Credit Card Services > Enable/Disable Transaction Types and follow the steps as briefed.
Log in to our NetBanking or Mobile Banking application > Visit the 'Manage Limits' section and follow the steps as briefed.
Call our Customer Care No. 1800 1200 1500 and enable or disable transaction types through the IVR service.
What are the MCCs that are not eligible for earning Reward Points?
You cannot earn reward points on spends that are mapped under these MCC codes - 5172, 5541, 5542, 5552, 5983, 6513, 5094, 5944, Cash Withdrawals, BBPS C EMI transactions.
