Fees
Annual feeAnnual fee as per variant
Joining feeJoining fee as per variant (INR 500-INR 2,000 + GST)
Renewal feeAnnual fee as per variant
Fee waiverSpend-based waiver on renewal year (varies by variant)
Interest rate3.75% per month (45.0% per annum (p.a.))
Late payment15% of Total Amount Due (Min INR 10, Max INR 1,300)
Forex markup3.49%
Eligibility
Min income (salaried)INR 20,000 - INR 35,000 per month
Income requirementSalaried: INR 25,000/month (indicative)
Credit score700
Age range21-60
Rewards & cashback
Accelerated rateAccelerated RPs on Aditya Birla Capital financial products; bonus on insurance premiums, mutual fund SIPs, loans
Welcome bonusAditya Birla brand vouchers on activation milestone
Travel & lounge
Domestic lounge2 domestic airport lounge visits/yr (on select spend milestones)
International loungeNo international lounge access
Lounge conditionsSpend-based; see lounge_access for details
ConciergeCross-sell benefits on ABFL loans, ABSLI insurance, ABM Mutual Funds
Lifestyle
Dining benefitsDining offers at Aditya Birla retail outlets
Fuel surcharge1% waiver on INR 400-INR 5,000 txns; Max INR 200/statement month
E-commerce offersAccelerated rewards on ABFL financial products; Aditya Birla Capital ecosystem benefits
AdditionalFirst credit card to reward financial product purchases (insurance, SIPs, loans) within a conglomerate ecosystem
Credit limit & EMI
Default limitINR 100000
Max limitINR 500000
EMI optionsXpress Loan: 2% processing fee
EMI conversionYes
Balance transferNo
Insurance & protection
Purchase protectionYes — zero liability on unauthorised transactions; purchase protection on eligible spends
Lost card liabilityYes — zero liability on fraud reported within 7 days of card loss or theft
Coverage detailsCard counterfeit/skimming & online fraud protection
Digital & security
ContactlessYes
Virtual cardYes — virtual RuPay credit card available via AU 0101 app
App featuresAU 0101 App + ABFL mobile apps integration
Card controlsBlock/Unblock Card; Enable/Disable International Transactions; Enable/Disable Online Transactions; Set Transaction Limits; Card on/off toggle; EMI conversion; Virtual Card generation
Fraud protectionReal-time SMS and email transaction alerts; AI-based risk monitoring; OTP-based online authentication; Tokenisation (RBI mandated); 24x7 fraud monitoring
Zero liabilityZero liability if fraud reported within 7 days; limited liability between 4-7 days per RBI guidelines
WhatsApp supportYes — WhatsApp Banking available