Gateway to Digital Life. Download AU 0101.

Top Features of ABC Pro Credit Card

    Introducing The ABC Pro Credit Card

    Indulge in a lifestyle befitting your stature, with a card that offers unmatched privileges, premium benefits, and tailored financial solutions.

    Crafted for the discerning and the truly affluent, Aditya Birla Finance AU Pro Credit Card is your passport to a world of luxurious benefits.

Features and Benefits of ABC Pro Credit Cards

Welcome Benefit

Get 1000 Bonus Reward Points by making your first transaction within 30 days of Card Setup

Yearly Milestone Benefit

Earn complimentary EazyDiner membership on making ₹2.5 lac retail spends in a card anniversary year

Accelerated Reward Points

  • • Earn 10 Reward Points for every ₹200 spent on Travel, Dining Experience, Entertainment & International Spends
  • • Earn 6 Reward Points for every ₹200 spent on Online Spends
  • • Earn 4 Reward Points for every ₹200 spent on Offline Spends
(Accelerated Reward Points are not applicable on EMI, Cash Withdrawals, Fuel, Insurance, Jewellery & Rental spends)

Cashback on your daily travel spends

Earn 10% Cashback up to ₹200 per statement cycle on OLA bookings

Complimentary Airport Lounge

  • • Enjoy 2 Complimentary Domestic Airport Lounge access per quarter. For eligible list of Domestic Airport lounges, click here. For detailed terms & conditions, click here
  • • Enjoy 1 complimentary lounge access per calendar year, using Priority Pass at all participating lounges. For eligible list of Priority Pass lounges, click here. Usage of Priority Pass within India is chargeable. For detailed terms & conditions, click here

Fuel Surcharge

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

Foreign Currency Mark-up

Get a low Forex Mark-up rate of 1.99% on international spends

Silver Spoon Dining Program

Get up to 30% discount at our selected 300+ partnered restaurants in 30 cities. To know more, click here

Contactless Card Usage

Use your Credit Card to make quick, secure & easy payments by just tapping the card and paying at participating merchants without entering Credit Card PIN for spends up to ₹5,000

Xpress EMI

Convert your transactions worth ₹2,000 or more into easy EMI options on select tenure of your choice. Simply call our Customer Care helpline to book your Xpress EMI

Add-on Cards

Offer your benefits to your loved ones, through our Add-on card offering. What's more? Your Add-on card comes free for lifetime! So, go ahead and avail it

Comprehensive Protection Cover

Air Accident Cover
  • • ₹50 Lakhs
Card Liability Cover
  • • In an unfortunate event of loss of Credit Card, you carry zero liability on any fraudulent transactions made with card after reporting the loss to the bank
  • • Also, you are protected against Card Counterfeit/Skimming and Online frauds
Credit Shield
  • • Up to ₹5 Lakhs
Other Travel related covers
  • • In event of baggage loss, baggage delay, delay in flight, loss of passport and plane hijack
  • • Please click here to view detailed terms and conditions. To claim any of the mentioned insurance benefits, please call our Customer Care no. 1800 1200 1500

Joining Fee

  • • Enjoy the benefits of ABC PRO Credit Card with the joining fee of just ₹999
  • • Spend ₹15,000 in the first 30 days to get your 1st year fee waived off

Renewal Fee

  • • Renew your Credit Card at ₹999.
  • • Get a Renewal Fee Waiver on achieving spend of ₹1.5 Lac
*There is a revenue sharing agreement between AU Small Finance Bank and Aditya Birla Finance Limited for the co-brand partnership.

Eligibility Criteria

- Primary cardholder between the age of 21 years and 60 years
- Add-on cardholder should be over 18 years
- Resident Indian



Q1. Is there any Annual fee applicable on my ABC Pro Credit Card?

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.

Q2. What is an Interest-Free Credit Period?

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.

Q3. How can I get access to a Priority Pass Lounge?

You must present your Priority Pass card, which is issued upon request by you along with your ABC Pro Credit Card, at the lounge to gain access. Please note that charges of $27 + taxes are applicable in the following scenarios:

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

Q4. Can I get another Priority Pass issued if it is lost/stolen/damaged?

Yes. In the event of a lost/stolen/damaged Priority Pass Card, please call AU Small Finance Bank’s Customer Care at 1800 1200 1500 to get it blocked and request a replacement. In case of any misuse of the card, an immediate action is required.

Q5. Where can I redeem my Reward Points?

You can redeem your Reward Points as of your last statement balance from the ABFL app or AU 0101. You can also view your redeemable points here.

*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.

Q6. How can I pay my ABC Pro Credit Card bill?

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.

Q7. I have not received my monthly credit card statement. What should I do?

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.

Q8. How can I place the request to get my lost/stolen/damaged card replaced?

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.

Q9. How do I activate my card and generate a card PIN?

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 > Credit Cards section > Credit Card Services > Set my PIN and follow the steps as briefed
  • Visit our website > 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.

Q10. When will I receive my EazyDiner membership?

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 > Click ‘Exclusive Rewards and Offers’ on top right corner.

Q11. When will I receive my cashback for Ola spends?

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

Blogs & Articles