AU ABC Biz Credit Card 2025
Save up to ₹80,000+ every year with 5% business cashback, ₹5,000 vouchers & 12 lounge visits!
If you run a business or have high business expenses, the AU ABC Biz Credit Card is currently the best business-focused cashback card in India!
You get 5% unlimited cashback on business categories (advertising, travel, utilities, vendors), ₹5,000 vouchers on joining, 12 domestic lounge visits, 1% fuel waiver, low 2% forex markup, free add-on cards, and only ₹1,999 annual fee waived on ₹3 Lakh spend.
Cashback as direct statement credit — no points, no expiry!
Why This Is The Best Business Cashback Card in 2025?
5% business categories • ₹5,000 vouchers • 12 lounge visits • Free add-on cards • Fee waiver ₹3L • 2% forex
Best for: Business owners, freelancers, startups, high business spenders
Fee Waiver – ₹1,999 waived on ₹3 Lakh annual spend
Card At a Glance
₹1,999 + GST
₹1,999 + GST (Waived on ₹3L)
5% business categories
₹5,000 Vouchers
12 Domestic/year
2%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹1,999 + GST |
| Annual Fee | ₹1,999 + GST (Waived on ₹3L spend) |
| Welcome Benefit | ₹5,000 vouchers |
| Foreign Currency Markup | 2% + GST |
| Interest Rate | 3.49% per month |
| Fuel Surcharge Waiver | 1% (max ₹500/month) |
Detailed Reward Rates (2025)
- 5% unlimited cashback on business categories (advertising, travel, utilities, vendors)
- 2% cashback on all other spends
- Cashback credited directly to statement
- 12 domestic lounge visits per year
- Free add-on cards for employees
Airport Lounge Access
12 complimentary domestic lounge visits per year (3 per quarter)
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- Purchase protection up to ₹1 Lakh
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5% on business categories | ₹1,999 annual fee |
| ₹5,000 welcome vouchers | |
| 12 lounge visits/year | |
| Free add-on cards | |
| Fee waiver on ₹3L spend |
Eligibility Criteria & Documents Required
- Age: 21–65 years
- Minimum Income: ₹10 Lakh+ p.a. (business)
- Credit Score: 750+
- Documents: PAN, Aadhaar, GST/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit AU Bank → Business Banking → Credit Cards → ABC Biz
- Click Apply Now → Fill details
- Upload business documents → Video KYC
- Card delivered in 10–15 days
Final Verdict – Should You Get It in 2025?
If you have business expenses, AU ABC Biz gives you 5% real cashback + ₹5,000 vouchers + 12 lounge visits — easily ₹80K+ value every year at ₹1,999 fee (waived on ₹3L). Best business cashback card in India right now!
Frequently Asked Questions (FAQs)
5% on which categories?
Advertising, travel, utilities, vendors — unlimited.
Welcome benefit?
₹5,000 vouchers on joining.
Lounge access?
12 domestic lounge visits per year.
Free add-on cards?
Yes, unlimited free add-on cards for employees.