Aditya Birla AU Credit Card 2025
Save more than ₹15,000 every year on dining, shopping & customized rewards!
The Aditya Birla AU Credit Cards (Pro, Nxt, Flex) are customizable rewards cards from AU Small Finance Bank in 2025.
Earn up to 6X points on preferred spends (dining, travel, etc.), 30% off dining at 300+ partners, milestone EazyDiner membership, 10% Ola cashback, and Lifetime Free for Nxt/Flex variants – choose features via app for your needs.
Points redeem for vouchers, cashback – flexible & generational.
Why This Is The Best Custom Rewards Card in 2025?
Up to 6X preferred • 30% dining • Custom features • LTF options • 10% Ola • Milestone perks
Best for: Millennials, families, customizers, dining lovers
Card At a Glance
Nil (Nxt/Flex) | ₹999 (Pro)
Nil (LTF variants)
Up to 6X Preferred (1.5% value)
1,000 bonus
30% at 300+ partners
Pro only (2/quarter)
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | Nil (Nxt/Flex) | ₹999 (Pro) |
| Annual Fee | Nil (LTF) | ₹999 (Pro) |
| Point Value | ₹0.25 cash/vouchers |
| Forex Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
Detailed Reward Rates (2025)
- 6X Points on preferred (dining, travel, etc.)
- 4X on entertainment (Pro variant)
- 2X on others
- Double on quarterly >₹50K
- No points on fuel/jewelry/insurance/rent
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Up to 6X customizable rewards | ₹999 fee for Pro |
| 30% dining discounts | No lounge for LTF variants |
| LTF options available | 3.5% forex |
| 10% Ola cashback | Exclusions on key categories |
| Milestone EazyDiner |
Eligibility Criteria & Documents
- Age: 21–60 years
- Min income: ₹4.5 Lakh/year
- Good credit score (700+)
- Documents: PAN, Aadhaar, salary slip
How to Apply (2-Minute Process)
- Choose variant online
- Enter details
- Upload docs
- Video KYC
- Card in 5–7 days
Final Verdict – Should You Get It in 2025?
For customizable rewards & dining lovers, this series saves ₹10,000–₹15,000 yearly with LTF options. Best flexible rewards for millennials!
Frequently Asked Questions (FAQs)
Custom features?
Choose via app for your needs.
LTF which?
Nxt & Flex – no fees ever.
Dining discount?
30% at 300+ partners.