Summary
The AU Bank ABC Biz Credit Card is a business-oriented credit card with superior reward points, discounts, and special privileges for professionals and entrepreneurs. It is created to manage the cost of business expenses while rewarding maximum daily expenses.
One of its best benefits is the 10X reward points on shopping like groceries, utilities, insurance, education, and government payments. The card also rewards customers with 4X reward points on non-accelerated spending during the first five days of every month and 2X reward points on both online and offline purchases. The rewards make it an extremely rewarding card for a business’s necessary expenses.
As additional savings, the card also eliminates a 1% fuel surcharge on spends between ₹400 and ₹5,000. Additionally, up to 30% discount at partner restaurants is offered, lowering the expense of dining. It also offers two free railway lounge visits per quarter, a
Introduction
In today’s digital age, the use of credit cards has become an important part of everyone’s life, whether it is for personal expenses or business needs. Especially for small and medium businesses, choosing the right credit card can make their business easy and convenient. In this direction, AU Bank has introduced the AU ABC Biz Credit Card for its customers, which is specially designed keeping in mind the needs of the merchants.
AU Bank Biz Credit Card is very beneficial for those merchants who are looking for a convenient and beneficial credit card to handle their everyday expenses. AU Bank ABC Credit Card not only makes various expenses related to business easy, but also gives you the benefit of many types of rewards and cashback.
Credit Card is a credit card specially designed for small and medium merchants. It not only helps you manage your business expenses easily, but also gives you the benefit of various rewards, cashback, and security features. If you are looking for a convenient and beneficial credit card for your business, then AU ABC Biz Credit Card can prove to be a great option for you.
In today’s article, we will discuss in detail about AU ABC Biz Credit Card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of AU ABC Biz Credit Card in this article and will also discuss in detail how to apply for it. So read this article till the end so that you do not have any problems later.
What is the AU Bank ABC Biz Credit Card?
The Credit Card is a business card that is specifically made available for the requirements of small and medium enterprises. The AU Bank ABC Biz Credit Card assists merchants in handling their everyday business expenditures while providing a host of rewards, cashback, and discounts.
With the AU Bank ABC Biz Credit Card, you can handle your business expenses simply and securely. The AU Bank ABC Biz Credit Card also provides credit limit, EMI option, security insurance, and online and offline transaction facility, making it easy and convenient to manage business finance.
What is the design of the AU Bank ABC Biz Credit Card?
AU ABC Biz Credit Card is a business card for companies to manage business expenses effectively. It offers advantages including 30% off at dining partners, a waiver of 1% fuel surcharge on spends between ₹400 to ₹5,000, and 10X reward points on spends made in categories like grocery, insurance, and utility.
Also, the card offers 4X reward points on non-immediate spending that is made in the initial five days of every month. Railway lounge entry and special discount offers on Swiggy and Zomato are also enjoyed by card members. The monthly charge of ₹49 plus tax is waived in case of expenditure exceeding ₹10,000 a month.
What are the benefits of the AU Bank ABC Biz Credit Card?
Here is a summary:
- 10X Reward Points: Get 10X reward points on spending categories like education, utilities, insurance, groceries, and government payments.
- 4X Reward Points: Get 4X reward points on accelerated spending on the first five days of every month.
- 2X Reward Points: Get double reward points on online as well as offline transactions.
- Dining Offers: Get up to 30% off at restaurant partners, upgrading your dining experience.
- Fuel Surcharge Waiver: Enjoy a 1% waiver on fuel surcharges on transactions between ₹400 and ₹5,000.
- EMI Conversion: Conveniently convert purchases over ₹2,000 to EMIs, allowing for better expense management.
- Railway Lounge Privileges: Enjoy railway lounge benefits twice a quarter, encouraging smooth travel.
- App Exclusives Offers: Receive exclusive discounts on apps like Ola, Zomato, Swiggy, and several others, enriching your routine transactions.
What are the fees for the AU Bank ABC Biz Credit Card?
Here is a simple AU ABC Biz Credit Card fee breakup.
| Joining Fee | ₹49 plus GST |
| Annual Fee | NIL |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an AU Bank ABC Biz Credit Card?
The following are the primary requirements:
- You must be between 18 and 70 years old to apply for the AU Bank ABC Biz Credit Card.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 50,000 usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for AU Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an AU Bank ABC Biz Credit Card?
The documents that you will have to submit to Get a Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months if you are a salaried employe Bank statement for the last 3 months ITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the AU Bank ABC Biz Credit Card be used?
Here is the list of places where you can use it:
- With the AU ABC Biz Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your AU ABC Biz Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The AU Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the AU Bank ABC Biz Credit Card?
The credit amount you can spend is what you are provided with an AU ABC Biz Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for an AU Bank ABC Biz Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the AU Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by AU Bank; for instance, you can choose the AU ABC Biz Credit Card.
- Just hover your cursor on the AU Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest AU Bank branch to apply for the AU ABC Biz Credit Card.
- Request for the credit card application form for the AU ABC Biz Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the AU Bank ABC Biz Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the AU Bank Card website, or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting an AU Bank ABC Biz Credit Card in 2025 be right?
Yes, getting an AU Bank ABC Biz Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
AU Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
AU Bank ABC Biz Credit Card is a credit card that has been created with small and medium merchant needs in mind. AU ABC Biz Credit Card is extremely helpful for merchants who wish to keep control of their daily expenses as well as enjoy business rewards. By this, not only are you able to handle different expenses of your business conveniently, but you also earn reward points, cashback, and other discounts, which reduce your expenses.
One of the biggest benefits of the AU ABC Biz Credit Card is that it gives you a large credit limit so that you can handle your business expenses without any financial burden. In addition to this, AU ABC Biz Credit Card has numerous security features, including fraud protection and travel insurance, so that you can make your transactions with ease. Besides this, there are also different EMI options available for cardholders, which make large expenses payable in small monthly installments.
AU ABC Biz Credit Card is not only used for shopping online and bill payments, but you can easily utilize it with POS machines as well. Utilizing AU ABC Biz Credit Card keeps the financial handling of your business convenient and easy as it provides you with a full record of your expenses.
Frequently Asked Questions (FAQ’s)
Ans: The AU Credit Card annual fee is subject to change based on the type of card and associated benefits. To know more, visit the bank’s website or the nearest branch.
Ans: Yes, AU Bank Biz Credit Card charges a fixed interest rate, based on the amount due on your purchases. You can prevent interest rates by paying in full and on time.
Ans: Yes, the EMI option is available with AU Bank ABC Credit Card, where you can convert heavy expenses into simple monthly payments.
Ans: Use the AU Bank ABC Biz Credit Card for business expenses, travel, shopping, and other expenditures to accumulate reward points. The reward points can be redeemed for benefits subsequently.
Ans: In case your AU Bank ABC Biz Credit Card is stolen or lost, call the customer care of the bank immediately. The bank will block the card for your security and provide you with a new card.
