Fashion Retail Privileges across Aditya Birla Brands
Fashion-forward shoppers and professionals purchasing formal and casual apparel from Aditya Birla stores.
Free
One-time upfrontFree
Lifetime Free — no renewal fee2 Reward Points per ₹100 spent (0.5% return; 1 RP = ₹0.25)
On eligible spends2.99% + GST
Cross-currency spendsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Aditya Birla AU Bank Credit Card brings together AU Small Finance Bank's competitive reward framework with India's largest fashion retail conglomerate, Aditya Birla Fashion and Retail Limited (ABFRL). Often issued as Lifetime Free under promotional campaigns (or with a modest ₹499 fee waived on ₹40,000 spend), the card is tailored for corporate professionals and stylish shoppers who frequently buy from brand stores like Louis Philippe, Van Heusen, Allen Solly, Peter England, and Pantaloons. Cardholders earn 4 Reward Points per ₹100 spent at official Aditya Birla brand outlets and websites, alongside 1 Reward Point per ₹100 on other eligible retail spending. Points can be redeemed for shopping vouchers across ABFRL brands or against general merchandise. However, its utility outside the Aditya Birla retail ecosystem is limited. General retail spending yields a standard 1 point per ₹100 (approximately 0.25% return), and the card does not provide premium airport lounge access or international travel perks. Fuel, rent, and government utility transactions are strictly excluded from reward accrual. For individuals updating their corporate and festive wardrobes at Aditya Birla branded retail showrooms, this co-branded card delivers focused value with virtually zero maintenance friction.
Each Card Offers Accelerated Reward Points for Special Categories and Up to 6X Reward Points for Online Transactions
Up to 1,000 Reward Points
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Aditya Birla Ecosystem Spends | 8 Reward Points per ₹100 spent across Aditya Birla brands | No Cap | Standard terms apply |
| Aditya Birla Ecosystem & Retail Spends | Accelerated reward points on Aditya Birla Capital insurance, investments, and fashion brands (capped at 3,000 points/month) | 3,000 Reward Points/mo | Standard terms apply |
| Other Retail Spends | 2 Reward Points per ₹100 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Aditya Birla Ecosystem Spends | ₹6,000 | 8 Reward Points per ₹100 spent across Aditya Birla brands | — | None | Calculating... | Under cap |
| Aditya Birla Ecosystem & Retail Spends | ₹6,000 | Accelerated reward points on Aditya Birla Capital insurance, investments, and fashion brands (capped at 3,000 points/month) | — | ₹3,000/monthly | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 2 Reward Points per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹0 (promotional LTF) / ₹499 + GST standard. • Annual Renewal Fee: ₹0 / ₹499 + GST waived on spending ₹40,000 in previous 12 months. • Brand Rewards: 4 Reward Points per ₹100 spent at Aditya Birla brand stores (Louis Philippe, Van Heusen, Allen Solly, Pantaloons, etc.). • General Retail: 1 Reward Point per ₹100 on other eligible retail spending. • Valuation: 1 AU Reward Point = ₹0.25 for brand vouchers and merchandise. • Exclusions: Fuel transactions, wallet reloads, rent payments, and government levies do not accrue points.
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Aditya Birla AU Bank Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official AU Small Finance Bank portal with paperless verification.
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