Aditya Birla Capital AU Pro
Keep₹999 for 1.99% forex and 8 domestic lounge visits — the cheapest way onto AU's lounge sheet.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 1,000 reward points (₹250 at AU's ₹0.25 house value) on the first transaction within 30 days of card setup
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Breaks even only by erasing its fee at ₹13,000 a month
At ₹13,000 a month — ₹1,56,000 a year — on the everyday mix this card returns ₹800 gross (earn ₹800) against a fee of ₹0 — the ₹999 is waived, the spend having cleared ₹1,50,000 a year = ₹800 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · the network variants
The take
The Aditya Birla Capital co-brand is four cards deep and only this one is a travel card. ABC Pro costs ₹999 and buys two things the rest of the range does not: a 1.99% forex markup — well under India's 3.5% norm, and the same rate AU charges on its ₹7,999 Zenith — and AU's own domestic lounge sheet at 2 visits a calendar quarter, plus one international visit a year on Priority Pass. That is eight domestic visits for ₹999, against Zenith's eight for ₹7,999. The earn is thin and you should read it as a lounge card, not a points card. ABCL defines the unit as one point per ₹200, so 4X offline is 2 points per ₹100 — 0.5% at AU's ₹0.25 house value — and 6X online is 0.75%. The 10X band is the redeeming feature and it is genuinely travel-shaped: travel, dining, entertainment and international spends all earn 1.25%. Fuel, rent, insurance, jewellery, EMI and cash earn nothing at all. Two catches sit behind the lounge line. The domestic visits need ₹50,000 of net retail spend in the PREVIOUS calendar quarter — AU's bank-wide bar since 10-Apr-2026, and add-on cardholders are excluded. And the Priority Pass is an outside-India benefit only: AU charges US$35 + taxes for every Priority Pass visit made within India, and for every international visit past the first. Keep it for the forex and the lounge sheet, and spend on something else.
Your renewal — keep, downgrade or cancel
This card reaches break-even by ERASING its fee, not by out-earning it: the waiver is the decision.
Keep, downgrade or cancel
₹999/yr at stake · 5 spend bands
The charge ₹999/yr
The waiver ₹1,50,000 of spend in the year before renewal — about ₹12,500 a month — and the renewal fee is not charged.
Break-even ₹13,000 a month — ₹1,56,000 a year — is where this card's value crosses its fee, and it gets there by erasing the fee at the waiver rather than out-earning it.
At your spend
₹1,500 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹3,000 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹6,000 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹18,000 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹30,000 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
AU Small Finance Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 1 Apr 2026 AU stops paying reward points on transportation merchant codes issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 1.99% forex markup — the same rate as AU's ₹7,999 Zenith, for ₹999
- 2 domestic lounge visits a calendar quarter (8/yr) on AU's own 50-room list
- 1.25% on travel, dining, entertainment and international spends (10X)
- ₹999 renewal reverses at ₹1.5 lakh of anniversary-year spend — and the ₹999 joining charge reverses at just ₹15,000 in the first 30 days
Watch out
- Domestic lounge visits need ₹50,000 of net retail spend in the PREVIOUS calendar quarter; primary cardholders only
- Priority Pass is outside-India only — every visit made WITHIN India costs US$35 + taxes, as does every international visit past the first
- 0.5% base earn: ABCL's point is one per ₹200, so the headline multipliers are half what they look like
- Fuel, rent, insurance, jewellery, EMI and cash earn zero reward points
- Near-closed loop: AU points leave only to Air India Maharaja Club, and this card converts at 6:1 — ₹0.17 a point, below AU's own ₹0.20 floor
What these points actually fly
No live transfer route takes AU Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Does your spend count toward the fee waiver?
not published — and we say which
₹1,50,000 a year is the bar that waives the ₹999 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. AU Small Finance Bank states what the Aditya Birla Capital AU Pro earns, but has not published which spend categories count toward the fee waiver — the ₹1,50,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
50 of 793 tracked doors
Gate: ₹50,000 of net retail spend in the PREVIOUS calendar quarter (AU's bank-wide bar since 10-Apr-2026); primary cardholders only, add-on cards excluded
Opens 50 of 793 tracked lounge doors across 32 airports — see the full map →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
AU Small Finance Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 7 Jul 2026AU makes the CheQ AU card lifetime free, dropping ₹499 joining and ₹499 renewal"CheQ AU — Joining Fee ₹499 & Renewal Fee ₹499"; the LED variant "Joining Fee ₹1499 & Renewal Fee ₹499"; renewal waived by spending ₹3,00,000 in a year. → "CheQ AU Credit Card — Lifetime free (₹999 + GST one-time fee applicable for LED Card only)." CheQ no longer appears in the fee-waiver block at all, because there is no fee left to waive.
Caught as live drift on 24 August 2026 and dated to the document that carries it: AU's bank-wide MITC and Schedule of Charges, version 2.21, "Last updated on 7th July'2026". The previous edition — version 2.19, 16 May 2026, still served from a different path on AU's own site — prints the old numbers in the same table, which is what makes this a change and not a reading error. AU announced nothing. A ₹499 card becoming lifetime free is a real buff and the direction is worth naming, but price it honestly, because the fee was never the problem with this card. AU advertises the CheQ AU rungs as percentages — 12% on CheQ Travel and utility bills, 5% on online shopping, 1% on everything — and every one of those headlines is exactly double what it returns, because AU prints the POINT count with a percent sign and a CheQ Point is worth ₹0.50 at AU's own published redemption rates. The base rung AU calls "1%" pays 0.5%. Removing ₹499 a year from a card that returns half what its own page claims makes it a better free card, not a good one — and the earn still lands in a CheQ app account rather than on your statement, and expires two years from credit. ONE READING TRAP, since a later lane will hit it: three editions of this MITC sit at four URLs on au.bank.in, two of them differing only in filename case and punctuation, eight months apart. Only /credit-cards/mitc(with-schedule-of-charges).pdf serves v2.21. A drift check run against any of the others is a drift check against a stale table.
- 6 May 2026AU relaunches its card range — Ananta tops a new four-card deck
- 10 Apr 2026AU more than doubles its domestic-lounge spend gate to ₹50,000/quarter
- 1 Apr 2026AU stops paying reward points on transportation merchant codes
- 22 Dec 2024AU rewrites where the ixigo co-brand earns — four categories to nil, three to a reduced rate
- 1 Apr 2024AU zeroes out rewards on fuel, rent, education and government
- 21 Mar 2024AU unveils Zenith+ — a metal card built for the departure gate
- 5 Jul 2023AU Rewardz devalues vouchers 20% and tolls every redemptionE-vouchers at ₹0.25/point; free redemptions; uncapped Zenith earning → E-vouchers cut to ₹0.20/point; ₹99 + taxes per redemption; Zenith capped at 40k points/cycle (20k per category)
AU's first big rewrite of its points program hits from three directions at once: the e-voucher rate — the redemption most cardholders actually use — drops from ₹0.25 to ₹0.20 per point, every successful redemption now costs ₹99 plus taxes, and Zenith's earning gets a 40,000-point statement-cycle ceiling. A closed-loop currency with no transfer partners just got 20% smaller and pay-per-exit.
Every AU Small Finance Bank change we've dated → 9 events since 2021, 5 of them nerfs — worst year 2024.
Verified against AU Small Finance Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 4 of them, each with the day we read it
- official Co-brand product page — the ₹999 fee and its waiver, the 1.99% forex markup, the 10X/6X/4X reward bands, and the lounge quota
- official AU's Credit Card Usage T&C, effective 10 April 2026 — the lounge quota table naming ABC Pro, the ₹50,000 spend gate, and the US$35 Priority Pass charge inside India
- official Co-brand programme landing page — the four-card range (ABC Flex, ABC Nxt, ABC Pro, ABC Biz), which of them run on RuPay, and the FAQ naming AU Small Finance Bank as the issuing partner
- official AU's Key Fact Statement, version 1.8 dated 7 July 2026 — checked for ABC Pro's fee and forex rows, which it does not carry