M16S / AU Small Finance Bank / AU ABC Pro Credit Card
mid · cobrand, rewards
AU ABC Pro Credit Card
The AU ABC Pro Credit Card costs Rs 999 a year, waived if you spend Rs 1,50,000 in a year. It earns 2X offline (multiplier base not defined on partner page). The forex markup is 1.99%. Lounge visits in India: 2 domestic lounge visits per quarter. Abroad: 1 international per year. Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Rs 999+ GST
- Fee waived at
- Rs 1,50,000annual spend
- Base return
- —
- Forex markup
- 1.99%
- Interest
- 3.75%a month
What changed on this card
- AU sets Rs 50,000 quarterly spend for domestic lounges, Apr 2026
From 10 April 2026 a cardholder needs net retail spend of at least Rs 50,000 in a calendar quarter to get complimentary domestic lounge access in the next quarter. Only primary cardholders qualify. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU raises Priority Pass usage charge to USD 35, Jan 2025
From 1 January 2025 Priority Pass usage in India and visits above the complimentary international visits are charged USD 35 per visit, up from USD 27. Applies to Zenith+, Zenith, Vetta and ABC Pro. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU domestic lounge access becomes spend based, Jan 2025
From 1 January 2025 AU enabled complimentary domestic lounge access on Visa/RuPay AU credit cards only on meeting a spend-based eligibility test. The notice covers Zenith, Vetta, Xcite Ace, Xcite Ultra, SPONT, NOMO and ABC Pro. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% fair usage charge on fuel and utility spends, Aug 2024
From 15 August 2024 AU charges 1% on monthly fuel spends above 50% of the credit limit or Rs 50,000, whichever is lower, and 1% on monthly utility spends above Rs 50,000. Corporate and Purchase cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank sets card interest at 3.75% a month, Aug 2024
From 15 August 2024 the interest rate (APR) is 3.75% per month (45% per annum) on all AU credit cards except Zenith+, Corporate and Purchase cards. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 999 |
|---|---|
| Annual fee | Rs 999 |
| Annual spend that waives the fee | Rs 1,50,000 |
| Fee notes | Rs 999 + taxes a year; first-year fee waived on Rs 15,000 spend in 30 days; renewal reversed on Rs 1.5 lakh annual spend. Lifetime free for select corporates. |
Rewards
| Reward currency | Reward Points |
|---|---|
| Base earnunverified | 2X offline (multiplier base not defined on partner page) |
| Point valueunverified | 1 RP = Rs 0.20 (Card Insider) |
| Accelerated earnunverified | 10X in select categories (travel, dining, entertainment, international per Card Insider); 4X online; 2X offline |
| Points expiry | 2 years from accrual (Card Member Agreement cl. 23.8) |
| Reward notes | Partner page gives only multipliers; the base unit behind '2X' is not stated, so no return is computed. |
Travel and perks
| Domestic lounge | 2 domestic lounge visits per quarter |
|---|---|
| International lounge | 1 international per year |
| Forex markup | 1.99% |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | 15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9) |
| Cash advance fee | 2.5% of amount withdrawn, min Rs 500 |
| Eligibility | Resident Indian; primary cardholder 21-60; add-on 18+ |
| Fine-print notes | Co-brand with Aditya Birla Finance. AU's own site lists these only in fee tables, not in the card listing; the partner page still shows Apply Now. Fees and forex markup from AU's fee table and MITC. |
Questions
- What is the annual fee of the AU ABC Pro Credit Card?
- Rs 999 a year, before GST. It is waived if you spend Rs 1,50,000 in a year.
- Does the AU ABC Pro Credit Card give airport lounge access?
- Yes. In India: 2 domestic lounge visits per quarter. Outside India: 1 international per year.
- What is the forex markup on the AU ABC Pro Credit Card?
- 1.99% of each foreign-currency transaction, before GST.