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AU ABC Pro Credit Card
AU Small Finance • Visa

AU ABC Pro Credit Card

Co-branded AU proposition aimed at higher rewards in selected lifestyle shopping categories.

Annual Fee₹499Waived on eligible annual spend as per issuer policy
Base Reward0.5%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹4,547Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual fee₹499

Waived on eligible annual spend as per issuer policy

Net value₹1,301

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Shopping
2.5%
Dining
2.0%
Basedefault
0.5%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • Co-branded AU proposition aimed at higher rewards in selected lifestyle shopping categories.
  • Highest reward leverage comes from shopping 2.5% and dining 2.0% bands.
  • Annual fee efficiency depends on crossing waiver threshold (Waived on eligible annual spend as per issuer policy). Cap and milestone mechanics are material for this card, so periodic tracking is necessary.

Best Utilization

  • Use this card first for users spending consistently in co-brand supported categories-aligned spends before routing to general-spend cards.
  • Prioritize transactions in accelerated bands (shopping 2.5%, dining 2.0%) and shift overflow after cap pressure appears.
  • Track annual spend against fee-waiver threshold and reassess renewal if utilization remains low.

Watchouts

  • Value depends on partner-category usage and campaign continuation
  • General spend reward rate is moderate
  • Missing cap/milestone checkpoints can lower realized return versus projected return.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹499
  • Annual fee₹499
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports17
  • Approval reports10

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for AU ABC Pro Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Waived on eligible annual spend as per issuer policy

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Category acceleration for brand-linked spend buckets
  • Low-to-mid annual fee with waiver path
  • Partner-led cashback and offer stack
  • Suitable for users with repeat spends in supported categories

Things to Consider

  • Value depends on partner-category usage and campaign continuation
  • General spend reward rate is moderate
  • MCC exclusions and monthly caps may apply

About AU ABC Pro Credit Card

AU ABC Pro Credit Card is a cashback card from AU Small Finance, best for users spending consistently in co-brand supported categories. It is tagged under shopping, dining, lifestyle, rewards categories in our database.

ShoppingDiningLifestyleRewards

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Frequently asked questions

Is AU ABC Pro Credit Card lifetime free?

It has an annual fee of ₹499. Waived on eligible annual spend as per issuer policy

What rewards does AU ABC Pro Credit Card offer?

Co-branded AU proposition aimed at higher rewards in selected lifestyle shopping categories.

Does AU ABC Pro Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider AU ABC Pro Credit Card?

Users spending consistently in co-brand supported categories

Where can I apply for AU ABC Pro Credit Card?

Check the issuer website for application availability.