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Aditya Birla Finance ABC AU Pro Credit Card
Visa
Aditya Birla Finance ABC AU Pro Credit Card
The affluent-tier card in Aditya Birla Finance and AU SFB's co-brand lineup, adding lounge access and a lower forex markup on top of accelerated cashback, aimed at customers who'd otherwise consider a mid-tier bank-issued travel card.
Annual fee
₹999
Joining fee
₹999
Reward type
cashback
Base reward rate
1.5%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining, online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1.5% base rate
- Domestic lounge access: Complimentary domestic airport lounge access, conditional on quarterly spend
- International lounge access: Complimentary international airport lounge access (conditions per issuer)
Benefits by category
- 🍽️ Dining & food delivery
3% reward rate
- ✈️ Travel
Complimentary domestic airport lounge access on quarterly spend.
- 🛍️ Shopping
3% reward rate
- 🌍 Forex / international spend
Reduced forex markup versus the Flex/Nxt variants. · 1.99% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,50,000
- Rewards redemption fee: Cashback is credited directly, no separate redemption fee
- Foreign currency markup: 1.99%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction
Benefits
- Complimentary domestic airport lounge access on quarterly spend.
- Reduced forex markup versus the Flex/Nxt variants.
Pros
- + Lower forex markup than the entry variants in the same family
- + Lounge access included
- + Strong accelerated cashback on dining/online spend
Cons
- − Annual fee well above the Flex/Nxt siblings
- − Co-brand is new relative to established bank travel cards