The AU Bank ABC Pro Credit Card sits in the mid-tier of AU Small Finance Bank’s credit card range. Issued in partnership with Aditya Birla Finance, it charges ₹999 plus GST as both joining and annual fee. The joining fee gets waived if you spend ₹15,000 within the first 30 days of card issuance. The annual fee gets waived when yearly spending crosses ₹1.5 lakh, which works out to roughly ₹12,500 per month in regular purchases.Rewards follow a tiered structure: 10 points per ₹200 on travel, dining, entertainment, and international transactions; 6 points per ₹200 on online purchases; and 4 points per ₹200 on offline spends. Each point is worth ₹0.20, giving a 1% effective return on premium categories and 0.4% on everyday offline purchases. Points remain valid for 2 years from the statement month, though each redemption carries a ₹99 plus GST processing fee.Lounge access is notable for this price point: 2 domestic airport visits per quarter (on ₹20,000 quarterly spend) and 1 international visit per year through Priority Pass. Insurance coverage is generous for a mid-tier card, with ₹50 lakh air accident cover, credit shield up to ₹50 lakh, and travel protection for baggage loss, flight delays, and passport loss. The 1.99% foreign currency markup is among the lowest available on any Indian credit card.This card works well for people who split spending across travel, dining, and online purchases, and want airport lounge access without a premium annual fee. The EazyDiner partnership adds value for regular restaurant visitors, with up to 30% off at over 300 partner restaurants. For those spending above ₹1.5 lakh annually, the card costs nothing in fees. Heavier spenders looking for higher base reward rates across all categories should consider cards with flat-rate reward structures instead.
Pros
↑1.99% forex markup is among the lowest across Indian credit cards, making it a strong option for international transactions where most cards charge 3% to 3.5%
↑2 domestic airport lounge visits per quarter and 1 international visit yearly through Priority Pass, offering solid lounge access at the ₹999 annual fee level
↑₹50 lakh air accident cover and credit shield, plus travel protection for baggage loss, flight delay, and passport loss, which is notably generous for a mid-tier card
↑10x reward points on travel, dining, entertainment, and international spends gives a 1% effective return on these premium categories
↑Up to 30% off at 300+ partner restaurants through EazyDiner, with complimentary EazyDiner membership on reaching ₹2.5 lakh annual spend
Cons
↓Base reward rate of 4 points per ₹200 on offline spends translates to just 0.4% value, lower than many competitor cards that give 1% or more across all categories
↓₹99 plus GST redemption fee applies on every reward points redemption, reducing the net value of accumulated points, especially for frequent small redemptions
↓Domestic lounge access requires ₹20,000 quarterly spend, while some competitor cards at similar fee levels provide unconditional access
↓No specific accelerated rewards for grocery, utility, or bill payment categories, leaving regular household spending at the lowest earn rate
Dining
★4.0
▼
Up to 30% off at 300+ partner restaurants in 30 cities via EazyDiner
10 reward points per ₹200 on dining transactions (1% effective return)
Complimentary EazyDiner membership on ₹2.5 lakh annual spend
Discounts apply at participating restaurants only
Fuel
★2.5
▼
1% surcharge waiver on fuel transactions between ₹400 and ₹5,000
Applies at all fuel stations
Both primary and supplementary cardholders eligible
Lifestyle
★3.0
▼
10% cashback on Ola bookings up to ₹200 per statement cycle
Up to 30% off at 300+ restaurants via EazyDiner
Complimentary EazyDiner membership on ₹2.5 lakh annual spend
Milestone
★3.5
▼
Complimentary EazyDiner membership on ₹2.5 lakh retail spend in anniversary year
Joining fee waived on ₹15,000 spend within 30 days
Annual fee waived on ₹1.5 lakh annual spend
Reward Points
★3.0
▼
Travel, Dining, Entertainment & International: 10 points per ₹200 (1% value)
Online purchases: 6 points per ₹200 (0.6% value)
Offline purchases: 4 points per ₹200 (0.4% value)
1 reward point = ₹0.20
Points valid for 2 years from statement month
₹99 + GST redemption fee per transaction
Shopping
★2.5
▼
6 reward points per ₹200 on online purchases (0.6% effective return)
4 reward points per ₹200 on offline purchases (0.4% effective return)
No specific merchant partnerships for shopping discounts
Merchant Offers
▼
Up to 30% off at 300+ EazyDiner partner restaurants
10% cashback on Ola bookings (up to ₹200 per statement cycle)
Travel
★4.0
▼
2 complimentary domestic airport lounge visits per quarter (8 per year max)
1 international lounge visit per year through Priority Pass
Domestic lounge requires ₹20,000 quarterly spend
10 reward points per ₹200 on travel bookings (1% effective return)
1.99% forex markup on international transactions
Airport Lounge Access
▼
2 domestic visits per quarter (max 8 per year)
Requires ₹20,000 spend in the calendar quarter
1 international visit per year via Priority Pass
Primary cardholder only
Liability Protection
▼
Zero lost card liability
Credit shield up to ₹50 lakh
Insurance
▼
₹50 lakh air accident cover
Credit shield up to ₹50 lakh
Baggage loss and delay cover
Flight delay cover
Loss of passport cover
Plane hijack cover
Primary cardholder only
Emi
▼
EMI conversion available on eligible purchases
Tenure and interest rates vary by transaction amount
Joining Fee
₹999 + GST (waived on ₹15,000 spend in 30 days)
Annual Fee
₹999 + GST
Annual Fee Waiver
Waived on ₹1.5L annual spend
Monthly Percentage Rate
1.99% to 3.49%
Annual Percentage Rate
23.88% to 41.88%
Minimum Monthly Payment
5% of outstanding or ₹200, whichever is higher
Foreign Currency Markup
1.99%
Late Payment Charges
₹100 to ₹1,300 based on outstanding + GST
Overlimit Charges
2.5% of overlimit amount or ₹500 + GST, whichever is higher
Cash Advance Fee
2.5% of amount or ₹500, whichever is higher
Balance Transfer Fee
Contact bank for current rates
Fee For Supplementary Card
Contact bank for details
Card Replacement Fee
₹100 to ₹200
Fee For Duplicate Statement
₹50 per statement
Fee For Cheque Bounce
₹500
Age Requirement Salaried
21-60 years
Age Requirement Self Employed
21-60 years
Minimum Annual Income Salaried
Not publicly disclosed (contact AU Bank)
Minimum Annual Income Self Employed
Not publicly disclosed (contact AU Bank)
Minimum Credit Score
750+
Identity Proof
PAN Card (mandatory)
Aadhaar Card
Passport
Voter ID
Address Proof
Aadhaar Card
Passport
Utility Bill (recent)
Bank Statement
Income Proof Salaried
Latest 3 months salary slips
Latest 3 months bank statement
Form 16 or ITR
Income Proof Self Employed
Latest 2 years ITR
Latest 6 months bank statement
Business proof documents
The joining fee is ₹999 plus 18% GST. This fee can be waived if you spend ₹15,000 within the first 30 days of card issuance. You also earn 1,000 reward points as a joining bonus on your first transaction within those 30 days.
The annual fee of ₹999 plus GST gets waived when your total spending in the year crosses ₹1.5 lakh. That works out to about ₹12,500 per month in regular purchases.
Apply through the AU Small Finance Bank website or the Aditya Birla Capital (ABCL) app. The process is fully digital and takes about 10 minutes. You need a PAN card, Aadhaar, and income proof. Existing AU Bank customers may find pre-approved offers in their banking app.
You must be a resident Indian aged 21 to 60 years. A credit score of 750 or above is typically expected. Add-on cardholders must be at least 18 years old. Specific income requirements are not publicly listed; contact AU Bank at 1800 1200 1500 for details.
The ABC Pro is available on Visa and RuPay networks. Both variants provide the same reward points structure, lounge access, and core benefits. Domestic airport lounge access is processed through the Visa or RuPay network rather than Priority Pass, while international lounge access uses Priority Pass.
Travel, dining, entertainment, and international transactions earn 10 reward points per ₹200. Online purchases earn 6 points per ₹200. Offline purchases earn 4 points per ₹200. Each point is worth ₹0.20, making the effective return 1% on premium categories and 0.4% on offline purchases.
Each AU Bank reward point has a value of ₹0.20. You need a minimum of 200 points to redeem, and each redemption carries a processing fee of ₹99 plus GST. Points remain valid for 2 years from the statement month in which they were earned. Redemption is available through the ABCL app or AU 0101.
You get 2 complimentary domestic airport lounge visits per quarter, up to 8 visits per year. You need to spend at least ₹20,000 in a calendar quarter to unlock that quarter's lounge visits. The benefit applies to the primary cardholder only. Lounge access is processed through the Visa or RuPay network.
The ABC Pro includes 1 complimentary international lounge visit per year through Priority Pass. A Priority Pass card is provided with the credit card. Additional visits beyond the complimentary limit are charged at rates set by the lounge.
The card provides ₹50 lakh air accident insurance, credit shield cover up to ₹50 lakh, and travel protection that covers baggage loss or delay, flight delays, loss of passport, and plane hijack. Zero lost card liability is also included. These covers apply to the primary cardholder.
You earn 10% cashback on Ola ride bookings, capped at ₹200 per statement cycle. The cashback is credited to your card account automatically. This benefit runs on a per-statement-cycle basis, so it resets each month.
The ABC Pro gives up to 30% off at over 300 partner restaurants in 30 cities through EazyDiner. Dining transactions also earn the top-tier rate of 10 reward points per ₹200 (1% effective return). Cardholders who spend ₹2.5 lakh in an anniversary year receive a complimentary EazyDiner membership for additional dining deals.
A 1% fuel surcharge waiver applies on transactions between ₹400 and ₹5,000 at all fuel stations. This covers the standard surcharge levied by card networks on fuel purchases. Both primary and supplementary cardholders can use this benefit.
The foreign currency markup is 1.99% on all international transactions. This is significantly lower than most Indian credit cards, which typically charge 3% to 3.5%. International transactions also earn the top-tier rate of 10 reward points per ₹200.
The finance charge ranges from 1.99% to 3.49% per month, depending on your credit profile. This works out to 23.88% to 41.88% per year. Paying the full statement balance by the due date each month avoids interest charges entirely. The interest-free period is up to 48 days.
Late fees range from ₹100 to ₹1,300 plus GST, depending on your total outstanding amount. These apply when you fail to pay at least the minimum amount due by the statement due date.
You earn 1,000 reward points as a welcome bonus when you complete your first transaction within 30 days of card setup. At ₹0.20 per point, this is worth ₹200. Separately, the ₹999 joining fee gets waived if you spend ₹15,000 within the first 30 days.
Spend ₹2.5 lakh in retail purchases during a card anniversary year to earn a complimentary EazyDiner membership. The membership provides access to restaurant deals, discounts, and dining experiences across 300+ partner restaurants in 30 cities across India.
Supplementary cards are available for family members aged 18 and above. Add-on cardholders earn reward points at the same rate as the primary card. Contact AU Bank customer care at 1800 1200 1500 or visit a branch to apply for supplementary cards.
You typically need a PAN card (mandatory), Aadhaar card for KYC verification, and income proof. Salaried applicants should have recent salary slips and bank statements. Self-employed applicants need their ITR and business documents. The application process is fully digital through the AU Bank website or ABCL app.