AU ABC NXT Credit Card 2025
Save up to ₹35,000+ every year with 5% grocery/fuel, ₹1,000 vouchers & 8 lounge visits!
If you spend heavily on grocery and fuel every month, the AU ABC NXT Credit Card is currently the best daily-spend + lounge card under ₹1,000 fee!
You get 5% unlimited cashback on grocery & fuel (up to ₹25,000/month), ₹1,000 Amazon/Flipkart vouchers on joining, 8 domestic lounge visits, 1% surcharge waiver everywhere, low 2.5% forex markup, and only ₹999 annual fee waived on just ₹1 Lakh spend.
Cashback as direct statement credit — no points, no expiry!
Why This Is The Best Grocery + Fuel Card in 2025?
5% grocery/fuel (₹25K cap) • ₹1,000 vouchers • 8 lounge visits • Fee waiver ₹1L • 2.5% forex • Direct cashback
Best for: Families, grocery shoppers, daily commuters, lounge users
Fee Waiver – ₹999 waived on ₹1 Lakh annual spend
Card At a Glance
₹999 + GST
₹999 + GST (Waived on ₹1L)
5% grocery/fuel
₹1,000 Vouchers
8 Domestic/year
2.5%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹999 + GST |
| Annual Fee | ₹999 + GST (Waived on ₹1L spend) |
| Welcome Benefit | ₹1,000 Amazon/Flipkart vouchers |
| Foreign Currency Markup | 2.5% + GST |
| Interest Rate | 3.49% per month |
| Fuel Surcharge Waiver | 1% (max ₹500/month) |
Detailed Reward Rates (2025)
- 5% unlimited cashback on Grocery & Fuel (max ₹25,000/month)
- 1.5% cashback on all other spends
- Cashback credited directly to statement
- 8 domestic lounge visits per year (2 per quarter)
Airport Lounge Access
8 complimentary domestic lounge visits per year (2 per quarter)
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- Purchase protection up to ₹50,000
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5% on grocery & fuel | Cashback capped at ₹25K/month |
| ₹1,000 welcome vouchers | 2.5% forex markup |
| 8 domestic lounge visits | |
| Fee waiver on only ₹1L spend | |
| Direct cashback |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Income: ₹50,000/month salary
- Credit Score: 750+
- Documents: PAN, Aadhaar, salary slip/bank statement
How to Apply Online (5-Minute Process)
- Visit AU Bank website → Credit Cards → ABC NXT
- Click Apply Now → Fill mobile & PAN
- Video KYC in 2 minutes
- Virtual card instantly, physical in 7 days
Final Verdict – Should You Get It in 2025?
If you spend ₹20,000+ monthly on grocery & fuel, AU ABC NXT gives you 5% real cashback + ₹1,000 vouchers + 8 lounge visits — easily ₹30K+ value every year at just ₹999 fee (waived on ₹1L). Best grocery + fuel + lounge card in the segment — must-have!
Frequently Asked Questions (FAQs)
5% on grocery & fuel?
Yes, 5% unlimited cashback on both (max ₹25K/month).
Welcome benefit?
₹1,000 Amazon or Flipkart vouchers.
Lounge access?
8 domestic lounge visits per year.
Fee waiver?
Yes, ₹999 waived on ₹1 Lakh annual spend.