ABC Pro Credit Card
AU Small Finance Bank
Last updated: Feb 03, 2026
₹2,999
₹2,999
2.99%
16 visits/yr
Contents
ABC Pro Credit Card by AU Small Finance Bank is a premium rewards credit card designed for urban professionals who spend regularly on lifestyle, travel and online shopping. It offers accelerated reward points on everyday categories like groceries, utilities and dining, along with complimentary airport and railway lounge access. With a strong milestone program, low forex markup and robust purchase protection, it aims to maximise value on both domestic and international spends. Ideal for users who want a single all-rounder card for rewards, cashback-equivalent savings and premium experiences.
Features of ABC Pro Credit Card which makes it unique
Smart Spend Analyzer
AI-driven dashboard that categorises monthly spends into lifestyle, bills, travel and savings opportunities.
Helps you understand and optimise your monthly budget with visual insights.
More detailed category-wise analytics compared to standard statement views.
Goal-Linked Rewards
Set custom spend goals for travel, gadgets or experiences and unlock bonus rewards on achieving them.
Aligns your credit card usage with real financial goals, not just random spending.
Gamified rewards structure designed for young professionals and frequent online shoppers.
Rewards Structure of ABC Pro Credit Card
Everyday Spends
baseAll eligible retail transactions including groceries, pharmacy, fuel and offline shopping.
Cash withdrawals, wallet loads, rental payments and EMI conversions are not eligible for reward points.
Online & Lifestyle Spends
baseDining, travel bookings, grocery apps, OTT subscriptions and online shopping on major e-commerce platforms.
Post the monthly capping limit, base reward rate will apply on additional eligible transactions.
Utility & Telecom Payments
baseElectricity, water, gas, DTH and postpaid mobile bill payments made through AU digital channels.
Standing instructions and auto-debit payments are eligible if processed as retail transactions.
Milestones of ABC Pro Credit Card
Quarterly Milestone Benefit
₹75,000 : E-voucher worth ₹750 from leading brands on achieving total quarterly retail spends of ₹75,000.
Annual Milestone Benefit
₹3,00,000 : Bonus 10,000 Reward Points plus an additional e-voucher worth ₹2,000 on completing ₹3,00,000 annual retail spends.
Fees & Charges of ABC Pro Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,999 |
| Annual Fee | ₹2,999 |
| Forex Markup Fee | 2.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,200 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee is waived when you spend ₹1,50,000 or more in the previous card anniversary year.
Fee Explanation Standard fees and finance charges are applied as per AU Small Finance Bank’s prevailing credit card schedule of charges.
Detailed Explanation of ABC Pro Credit Card Fees
Annual Fee: ₹2,999 + taxes (yearly)
Waived on spends of ₹1,50,000 or more in the previous card anniversary year.
Cash Advance Fee: 2.5% of the transaction amount (minimum ₹300) (per transaction)
Interest charges are applicable from the date of withdrawal until full repayment.
Finance Charges: Up to 3.49% per month (41.88% per annum) (monthly)
Applicable on revolved balances, cash advances and overdue amounts as per the statement.
Foreign Currency Markup: 2.99% of the transaction value (per transaction)
Applicable on international, online and POS transactions done in non-INR currencies.
Lounge Access Benefits with ABC Pro Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Up to 2 complimentary domestic lounge visits per calendar quarter for the primary cardholder at select Visa partner lounges.
domestic Lounges
silverVisits per year: 4
Guest access: No
Complimentary international lounge access via partner program with a maximum of 1 visit per calendar quarter, subject to program terms.
domestic Lounges
silverVisits per year: 4
Guest access: No
Complimentary access at select premium railway lounges for the primary cardholder, subject to partner location availability.
Insurance Coverage with ABC Pro Credit Card
Air Accident Cover
₹1,00,00,000Applicable for active cardholders with at least one eligible transaction in the last 30 days before the incident date.
Travel Insurance
₹10,00,000Coverage for trip delay, loss of checked-in baggage and passport loss on international trips booked using the card.
Credit Shield Cover
₹5,00,000Outstanding card dues are covered in case of accidental death or permanent total disability as per policy terms.
Purchase Protection
₹50,000Protection against fire and burglary for eligible retail purchases made using the card within 90 days of the transaction.
Lost Card Liability Cover
₹2,00,000Provides cover for fraudulent transactions post card loss reporting, as per AU Small Finance Bank’s policy.
Additional Features of ABC Pro Credit Card
Contactless Payments
Tap-to-pay enabled for secure NFC transactions at supported POS terminals.
Per-transaction contactless limits are governed by RBI and AU Small Finance Bank guidelines.
EMI on Call
Convert large purchases into easy EMIs directly from your statement or via AU digital channels.
Minimum transaction amount and processing fee apply as per the EMI schedule.
Add-on Cards
Get up to 3 lifetime-free add-on cards for family members.
Primary cardholder’s credit limit is shared across all add-on cards.
Welcome Bonus with ABC Pro Credit Card
Welcome Bonus: 5,000 Reward Points
Bonus Conditions: Welcome bonus is applicable only for new AU Small Finance Bank credit card customers on cumulative retail spends of ₹30,000 within 60 days of card setup. Fuel transactions, wallet loads, cash withdrawals and EMI conversions are excluded. AU Small Finance Bank credit card terms and conditions apply.
Application Process for ABC Pro Credit Card
Processing Time
Instant in-principle decision for online applications and card dispatch within 3–5 working days after successful verification.
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Check your eligibility for AU Bank ABC Pro Credit Card on the Finanjo or AU Small Finance Bank website.
Fill in the online application form with personal, contact and employment details.
Upload or share KYC and income documents digitally or schedule a pickup as per your location.
Complete video KYC or in-person verification if required by AU Small Finance Bank.
Receive approval decision and, upon successful verification, get your card dispatched within 3–5 working days.
Required Documents for ABC Pro Credit Card
Identity Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
ABC Pro Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across POS terminals, e-commerce websites and payment gateways in India that support Visa credit cards.
International Acceptance
Accepted at millions of international merchants and ATMs that support Visa worldwide.
Online Acceptance
Enabled for secure online payments with OTP-based authentication and additional risk checks.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for ABC Pro Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹35,000
Minimum annual income
Self-Employed Applicants
₹50,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must have a valid PAN and Aadhaar, stable income, and clear credit history as per AU Small Finance Bank’s internal policy.
How Approval Is Decided
- Minimum net monthly income of ₹35,000 for salaried and higher for self-employed applicants.
- Indian resident with a stable employment or business profile.
- Credit score of 700 or above and a clean repayment history as per AU Small Finance Bank’s internal policy.
- Fulfilment of AU Small Finance Bank’s additional risk and eligibility checks at the time of application.
Pros of ABC Pro Credit Card
- Strong accelerated reward structure on online, lifestyle and utility spends.
- Multiple lounge access benefits across airports and select railway lounges.
- Attractive milestone benefits offering bonus reward points and brand vouchers.
- Digital tools like Smart Spend Analyzer for better money management.
- Good fit as a primary all-rounder card for salaried professionals.
Cons of ABC Pro Credit Card
- Annual fee of ₹2,999 may not suit low-spend users.
- Maximum value is unlocked only at higher annual spends.
- International lounge access is limited compared to ultra-premium metal cards.
Frequently Asked Questions about ABC Pro Credit Card
Who is the AU Bank ABC Pro Credit Card best suited for?
ABC Pro Credit Card is ideal for salaried and self-employed professionals who frequently spend on online shopping, travel, dining, groceries and monthly utility bills and want premium rewards with lounge access.
Is there a joining or annual fee on ABC Pro Credit Card?
Yes, the card has a joining and annual fee of ₹2,999 plus applicable taxes. The annual fee is waived when you spend ₹1,50,000 or more in the previous card anniversary year.
How do I earn reward points on the ABC Pro Credit Card?
You earn base reward points on all eligible retail spends and accelerated reward points on online and lifestyle spends such as dining, travel and grocery. Additional bonus rewards are offered on utility and telecom payments through AU digital channels.
Does ABC Pro Credit Card offer airport lounge access?
Yes, ABC Pro Credit Card offers complimentary domestic airport lounge access, limited international lounge access through a partner program, and select railway lounge access subject to quarterly visit caps.
Can I convert my large purchases into EMIs on this card?
Yes, you can convert eligible high-value transactions into EMIs using EMI on Call or through AU 0101 app and other AU digital channels. Tenure options, processing fee and applicable interest rate will be shown before confirming EMI conversion.
What documents are required to apply for the ABC Pro Credit Card?
You typically need a valid PAN card, Aadhaar or other officially valid ID, address proof such as passport or utility bill, and income proof such as recent salary slips, Form 16, ITR or audited financials depending on your profile.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.
