ABC Nxt and Flex Credit Card

No, ABC Flex & ABC Nxt Credit Cards are lifetime free credit cards. However, you may choose add-on features starting from ₹49 to ₹499 to earn additional cashback & other varied benefits on your card.

All the features are valid for 90 days effective from the day they are activated. Each feature, however, will be designated as auto renewal and will be renewed after 90 days. Customers can disable auto renewal of any feature that has already been selected by visiting the ABCL Mobile App or via Login for ABC Flex VISA cardholders, Login

Login for ABC Flex RuPay cardholders and via Login for ABC Nxt VISA cardholders & Login

Login for RuPay cardholders. Once disabled, feature would not be renewed post 90 days of existing feature duration.

You may Disable auto-renewal through ABCL Mobile App. All benefits are applicable for 90 days with auto renewal enabled by default.

All features are valid for 90 days from the date they are activated. Feature fees for 90 days would be levied on the day customer opts in for the feature.

Cashback will be credited after 5 days of the 30-day ending period.

Customer will receive membership code instantly on activating the feature and it will be visible on ABCL App. Penalty charges will be applicable on not meeting the spends criteria, which is given below:

You can enjoy up to 48 days of Interest-Free Credit Period on your ABC Flex or ABC Nxt Credit Card. For more details, refer to our Most Important Terms & Conditions.

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.

Here’s how you can pay your ABC Flex or ABC Nxt 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 Flex or ABC Nxt Credit Card bill.

For AU Small Finance Bank account holders

1. AU Small Finance Bank account holders can also make payments through the AU 0101 app or NetBanking.

2. 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.

3. 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.

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.

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.

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 > Credit Cards section > Credit Card Services > Set my PIN and follow the steps as briefed

• Visit our website > 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 Pro 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 > 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

Cashback earned on OLA spends during a statement cycle will be posted to your account within 15 days post statement generation date.

You cannot earn reward points on spends that are mapped under these MCC codes - 5172, 5541, 5542, 5552, 5983, 6513, 5094, 5944, 5960, 6300, Cash Withdrawals, BBPS & EMI transactions.