Yes, an annual fee is applicable on the ABC Pro Credit Card. However, this fee is only charged if the retail spend waiver condition is not met.

The joining fee is ₹999 + GST, but it can be waived if the cardholder spends ₹15,000 within the first 30 days of card issuance.

The renewal fee of ₹999 + GST can also be waived if the cardholder spends ₹1,50,000 in the previous year.

You can enjoy up to 48 days of Interest-Free Credit Period on your ABC Pro Credit Card. For more details, refer to our Most Important Terms & Conditions.

• Visits to lounges within India
• Visits to international airport lounges (Outside India) beyond the allowed complimentary visits
• For any guest visits

*Please note that a minimum of 200 Reward Points is required for redemption. A nominal fee of ₹99 + GST will be levied on each successful redemption.

*Reward points are valid for 2 years from the specific statement month. For example: The Reward Points that you receive in the May 2023 statement, if not used, will expire in May 2025.

Here’s how you can pay your ABC Pro Credit Card bill -

On the ABFL app

• Log in to the ABFL app Credit Card Services flow using your mPIN.
• Go to the Account Summary and tap on 'Pay Bill’.
• Review and select your preferred bill amount.
• Choose a payment method and settle your ABC Pro Credit Card bill.

For AU Small Finance Bank account holders

1. AU Small Finance Bank account holders can also make payments through the AU 0101 app or NetBanking.
2. Payments can be made using the Autopay facility wherein based on the standing instruction given, funds can be automatically transferred from the cardholder's AU Small Finance Bank account to the cardholder's credit card account on the due date.
3. Payments can also be made via an AU Small Finance Bank cheque. Please submit this at any of our branches. Write the cheque payable to "AU Credit Card Number xxxx xxxx xxxx xxxx" and deposit it at least 3 working days before the due date for timely processing.

Please write to us at [email protected] or call us at 1800 1200 1500 for assistance. If you wish to know the Outstanding Amount on your Travel Credit Card, you can use our 'AURO' chatbot service on the website (under 'View Card Information'), or log into our NetBanking or Mobile Banking Application.

You can register via the ‘Settings’ option for ‘Credit Card Login’ on the ABFL app. If you need assistance, you can contact our Customer Care at 1800 1200 1500 to place a new card request. Please note, card replacement charges of ₹100 + taxes, will apply.

You can activate your card and generate the card PIN by following any of the below steps:

• Login to the ABFL app with your registered mobile number > Credit Card Login > Set PIN
• Visit our website at www.aubank.in > Credit Cards section > Credit Card Services > Set my PIN and follow the steps as briefed
• Visit our website www.aubank.in > Use our Chatbot service ‘AURO’ > Credit Card Services > Set my PIN and follow the steps as briefed
• Call our Customer Care No. 1800 1200 1500 and set your PIN on the IVR service

Note - Credit Card PIN Generation will automatically activate your ABC Pro Credit Card.

Once you achieve your yearly milestone of ₹2.5 lac retail spends, you will receive the membership voucher code via SMS within 45 working days of achieving the milestone. You can also check your exclusive memberships unlocked for you by logging in https://offers.aubank.in/ > Click ‘Exclusive Rewards and Offers’ on top right corner.

Cashback earned on OLA spends during a statement cycle will be posted to your account within 15 days post statement generation date.

You cannot earn reward points on spends that are mapped under these MCC codes - 5172, 5541, 5542, 5552, 5983, 6513, 5094, 5944, 5960, 6300, Cash Withdrawals, BBPS & EMI transactions.