lifetime-free
ABC Nxt & ABC Flex Credit Cards
ABC Nxt and ABC Flex are lifetime‑free, rewards‑credit cards aimed at people who want good benefits on everyday spends without paying annual fees. They give you bonus reward points for categories like groceries, utilities, education and online shopping, plus some travel/railway perks, and let you customise features to suit your lifestyle.
Annual Fee
Lifetime-free
Rewards
6 RP / ₹200 (utilities, grocery, education ≈3 RP/₹100) · 4 RP / ₹200 online (≈2 RP/₹100) · 2 RP / ₹200 offline (≈1 RP/₹100)
Lounge Access
2 railway lounge accesses / quarter
Fuel Waiver
1%
Milestone
Quarterly double-RP on ₹50k+ quarter spends
Best For
Those who want a free base card with optional paid features for short blocks
Welcome Offer
500 RPs on first transaction in 30 days
Type
Lifetime-Free
Description
You earn 6 reward points for every ₹200 spent on utilities, groceries, departmental stores, and education. For online spends you get 4 points per ₹200; for offline non‑preferred category spends, it's 2 points per ₹200. If you spend more than ₹50,000 in a calendar quarter, your reward points in those categories double (so 6× becomes 12× etc). There’s a welcome bonus of 500 reward points after your first transaction within 30 days of activating the card. You also get 5% cashback (up to ₹100 per month) on Ola bookings. Fuel surcharge waiver of 1% applies for fuel transactions between ₹400 and ₹5,000.
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