M16S / AU Small Finance Bank / AU ABC Flex Credit Card
entry · cobrand, rewards, lifetime-free
AU ABC Flex Credit Card
The AU ABC Flex Credit Card charges no annual fee and no joining fee. It earns 2X offline (multiplier base not defined on partner page). The forex markup is 3.5%. Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- —
- Forex markup
- 3.5%
- Interest
- 3.75%a month
What changed on this card
- AU Bank adds 1% fair usage charge on fuel and utility spends, Aug 2024
From 15 August 2024 AU charges 1% on monthly fuel spends above 50% of the credit limit or Rs 50,000, whichever is lower, and 1% on monthly utility spends above Rs 50,000. Corporate and Purchase cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank sets card interest at 3.75% a month, Aug 2024
From 15 August 2024 the interest rate (APR) is 3.75% per month (45% per annum) on all AU credit cards except Zenith+, Corporate and Purchase cards. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Lifetime free. |
Rewards
| Reward currency | Reward Points |
|---|---|
| Base earnunverified | 2X offline (multiplier base not defined on partner page) |
| Point valueunverified | 1 RP = Rs 0.20 (Card Insider) |
| Accelerated earnunverified | 6X in select categories (education, utilities, grocery, departmental stores per Card Insider); 4X online; 2X offline |
| Points expiry | 2 years from accrual (Card Member Agreement cl. 23.8) |
| Milestone benefits | Double reward points on spends above Rs 50,000 in a quarter |
| Reward notes | Partner page gives only multipliers; the base unit behind '2X' is not stated, so no return is computed. |
Travel and perks
| Forex markup | 3.5% |
|---|---|
| Other freebies | Paid customisable features (cashback boosters, lounge, memberships) at about Rs 199-299 per 90 days |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | 15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9) |
| Cash advance fee | 2.5% of amount withdrawn, min Rs 500 |
| Eligibility | Resident Indian; primary cardholder 21-60; add-on 18+ |
| Fine-print notes | Co-brand with Aditya Birla Finance. AU's own site lists these only in fee tables, not in the card listing; the partner page still shows Apply Now. Fees and forex markup from AU's fee table and MITC. |
Questions
- What is the annual fee of the AU ABC Flex Credit Card?
- No annual fee.
- What is the forex markup on the AU ABC Flex Credit Card?
- 3.5% of each foreign-currency transaction, before GST.