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AU · Visa

ABC Nxt and Flex Credit Card

Your Diverse Financial Needs Call for a Flexible Partner

Annual fee
Lifetime free
Forex markup
3.5%
Lounges (Dom/Intl)
2 / —
Welcome benefit
₹500

Is this card worth it for you?

Drag the sliders to match your spend. The number on the right updates live.

Monthly spend₹50,000
% on travel15%
% on dining10%

Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.75% travel · 0.75% dining · 0.75% base.

Net steady-state return
₹4,500 /year
0.75% effective · ₹0 fee
Annual reward earned₹4,500
Welcome benefit (year 1)One-time₹500
Annual fee−₹0
Strong fit at this spend.

After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.

vs Amazon Pay ICICI

At ₹50,000/month with 15% travel and 10% dining.

Metric
ABC Nxt and Flex Credit Card
Amazon Pay ICICI
Annual fee
₹0
₹0
Annual reward
₹4,500
₹6,000
Net /year (steady)
₹4,500
₹6,000
Forex markup
3.5%

Tools for ABC Nxt and Flex Credit Card holders

Frequently asked

Is the ABC Nxt and Flex Credit Card worth the ₹0 fee?

It depends on your spend. The ABC Nxt and Flex Credit Card earns 0.75% base reward. Use the break-even calculator above to see your specific number.

What is the eligibility for ABC Nxt and Flex Credit Card?

AU hasn't published a hard minimum income for ABC Nxt and Flex Credit Card. Approval depends on credit score, existing relationship, and employment type.

What is the forex markup on ABC Nxt and Flex Credit Card?

ABC Nxt and Flex Credit Card charges 3.5% forex markup on international transactions.

Verified 38 days agolikelySource: www.au.bank.in

Reward rates and fees are sourced from AU's product page and may change. Always confirm with the card issuer before applying.