AU Small Finance Bank ABC Pro Credit Card

Renewal feeJoining fee

₹999 + GST

Fee waiver rule

Fee waived if you spend ₹1.5 lac.

Add-on card fee

Add-on card comes free for lifetime.

Welcome benefit

Welcome Benefit Get 1,000 Bonus Reward Points by making your first transaction within 30 days of Card Setup

Reward rate

6 Reward Points for every ₹200 spent on online spends, 4 Reward Points for every ₹200 spent on offline spends.

Domestic lounge access

2 Complimentary Domestic Airport Lounge access per quarter, based on a minimum spend of ₹20,000 in a calendar quarter

Priority Pass

1 complimentary lounge access per calendar year, using Priority Pass at all participating lounges; usage of Priority Pass within India is chargeable

Dining programme

Silver Spoon Dining Program: up to 30% discount at selected 300+ partnered restaurants in 30 cities

Milestone benefits

Yearly Milestone Benefit: Complimentary EazyDiner membership on making ₹2.5 lac retail spends in a card anniversary year

Fuel surcharge waiver

1% Fuel Surcharge Waiver for all fuel transactions between ₹400 & ₹5,000.

Air accident cover

Air Accident Cover: ₹50 Lakhs.

Credit shield cover

Credit Shield: Up to ₹5 Lakhs

Lost card liability

Zero liability on fraudulent transactions done on your lost card after you report the card loss to the bank.

Travel insurance

Other Travel related covers: in event of baggage loss, baggage delay, delay in flight, loss of passport and plane hijack.

Add-on card eligibility

Should be over 18 years.

Balance transfer terms

Processing charges 1% of Balance Transfer amount, subject to a minimum of ₹250

Purchase to EMI conversion

Convert transactions of ₹500 and above with a minimum total value of ₹2,000 into EMI, club up to 20 Billed or Unbilled transactions together for conversion

Forex markup

1.99% on foreign currency transactions.1.99% Forex mark-up rate on international spends

Cash advance fee

2.5% of the amount withdrawn or ₹500, whichever is higher.

Interest on unpaid balance

3.75% per month (45% per annum)

Interest-free period

Up to 50 days (not applicable for cash withdrawal)

Late payment fee

15% of Total Amount Due, minimum ₹10, maximum ₹1,300

Over-limit fee

2.5% of overlimit amount, subject to a minimum of ₹500

Payment return or dishonour fee

2% of total amount due or ₹500 (On Cheque, ECS/ NACH, Autopay Return) Whichever is higher.

Card replacement fee

₹100

Cash payment / cash deposit fee

NIL, i.e., no charges for Credit Card Bill Payment through Cash Deposit mode.

Education / school fee charge

1% of transaction value, subject to minimum of ₹99 per transaction on education payments done through third party applications like, not limited to, CRED, PhonePe, Paytm, MobiKwik, Freecharge etc.

EMI conversion fee

Xpress EMI: 1% of the Amount being converted to EMI, subject to a minimum of ₹99 + GST; Instant EMI: ₹199 + GST as Processing Fees on every EMI transaction done at any Point-of-Sale unit or through Payment Gateway

Foreign ATM fee

2.5% or ₹500 whichever is higher on the amount withdrawn from domestic/international ATMs.

Reward redemption fee

₹99 + GST

Rent transaction fee

1% of transaction value, subject to minimum of ₹99 per transaction on domestic rental transactions

GST note

GST 18% applicable on all fees, interest & charges

Minimum amount due

5% of Principal outstanding if Total Amount Due for previous statement was paid on/or before due date, 2% if not; + 100% of Fees/Charges + 100% of Interest Charges + Due EMI(s) + 100% of Annual Membership Fee (if applicable) + 100% of GST

Age the primary cardholder must be

Salaried: 21 years to 60 years; Self Employed: 25 years to 65 years.