◉
DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Research coverage — 15/16 categories
AU

ABC PRO

Best forDining & Travel
Earns10 RP/₹200 RP/₹200 on dining
1st Year / Joining Fee
₹999 + taxes
Renewal Fee
Not recorded
Fee waiver
₹1,50,000
annual spend
Network
Not recorded

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on dining and travel, where it earns 10 RP/₹200 RP/₹200
  • Annual fee is waived at ₹1,50,000 yearly spend

How you earn

Reward rates at a glance — exactly as recorded for this card.

Dining10 RP/₹200 RP/₹200
Travel10 RP/₹200 RP/₹200
Utilities2 RP/₹100 RP/₹100
Groceries2 RP/₹100 RP/₹100
Food Delivery2 RP/₹100 RP/₹100
All 16 reward categories · 15 of 16 categories verified
CategoryRateCapCondition
RentNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Rent (MCC 6513) earns no reward points. 1% fee (min ₹99) applies.
EducationNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Education earns no reward points. Direct school/college POS/web no fee; third-party apps 1% fee (min ₹99).
InsuranceNo reward——
Details
Status
Verified — no reward
Issuer note
AU ABC PRO: Insurance explicitly excluded under ABC PRO card terms.
Utilities2 RP/₹100 RP/₹100—AU ABC PRO: 2 RP/₹100 on Utilities
Details
Status
Verified
Source
SRC-AU-ABC-PRO
Issuer note
AU ABC PRO: 2 RP/₹100 on Utilities; Ola 10% cashback max ₹200/mo.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Fuel transactions do not earn reward points. 1% surcharge waiver applies on eligible transactions.
Groceries2 RP/₹100 RP/₹100—AU ABC PRO: 2 RP/₹100 on Groceries
Details
Status
Verified
Source
SRC-AU-ABC-PRO
Issuer note
AU ABC PRO: 2 RP/₹100 on Groceries; Ola 10% cashback max ₹200/mo.
Dining10 RP/₹200 RP/₹200—AU ABC PRO: 10 RP/₹200 on Dining
Details
Status
Verified
Source
SRC-AU-ABC-PRO
Issuer note
AU ABC PRO: 10 RP/₹200 on Dining; Ola 10% cashback max ₹200/mo.
Food Delivery2 RP/₹100 RP/₹100—AU ABC PRO: 2 RP/₹100 on Food Delivery
Details
Status
Verified
Source
SRC-AU-ABC-PRO
Issuer note
AU ABC PRO: 2 RP/₹100 on Food Delivery; Ola 10% cashback max ₹200/mo.
Shopping2 RP/₹100 RP/₹100—AU ABC PRO: 2 RP/₹100 on Shopping
Details
Status
Verified
Source
SRC-AU-ABC-PRO
Issuer note
AU ABC PRO: 2 RP/₹100 on Shopping; Ola 10% cashback max ₹200/mo.
Travel10 RP/₹200 RP/₹200—AU ABC PRO: 10 RP/₹200 on Travel
Details
Status
Verified
Source
SRC-AU-ABC-PRO
Issuer note
AU ABC PRO: 10 RP/₹200 on Travel; Ola 10% cashback max ₹200/mo.
Government——Partially verified
Details
Status
Partially verified
Issuer note
PENDING: AU Credit Card Member Agreement §23.5.1 says Govt transactions earn no Reward Points, but this variant is not named in the agreement capping table or has its own program terms, and its product-page record (previously ELIGIBLE) could not be re-read. Conflict between official sources — not assumed either way.
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
AU global policy: Wallet reload earns no reward points.
Railways2 RP/₹100 RP/₹100—AU ABC PRO: 2 RP/₹100 on Railways
Details
Status
Verified
Source
SRC-AU-ABC-PRO
Issuer note
AU ABC PRO: 2 RP/₹100 on Railways; Ola 10% cashback max ₹200/mo.
FASTag2 RP/₹100 RP/₹100—AU ABC PRO: 2 RP/₹100 on FASTag
Details
Status
Verified
Source
SRC-AU-ABC-PRO
Issuer note
AU ABC PRO: 2 RP/₹100 on FASTag; Ola 10% cashback max ₹200/mo.
JewelleryNo reward——
Details
Status
Verified — no reward
Issuer note
AU ABC PRO: Jewellery explicitly excluded under ABC PRO card terms.
Telecom2 RP/₹100 RP/₹100—AU ABC PRO: 2 RP/₹100 on Telecom
Details
Status
Verified
Source
SRC-AU-ABC-PRO
Issuer note
AU ABC PRO: 2 RP/₹100 on Telecom; Ola 10% cashback max ₹200/mo.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹999 + taxes
Renewal Fee
Not recorded
Fee waiver
₹1,50,000
annual spend
Reward caps

No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.

Key benefits

Rewards
10 RP/₹200 RP/₹200 on dining
Milestone benefit
First-year fee reversal after ₹15k spend in 30 days
Fee waiver
Annual fee waived on ₹1,50,000 annual spend

Important to know

Limits and exclusions that change what you earn.

  • No reward on: Rent, Education, Insurance, Fuel +2 more
  • Partially verified: Government

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in dining, travel, utilities
  • You can reach the ₹1,50,000 annual spend that waives the fee
△ Less useful if
  • Much of your spending is in rent, education, insurance, which earn nothing
  • You cannot reach the fee-waiver spend and would pay the annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 0 caps · 6 no-reward categories
Caps

No cap recorded.

Categories with no reward or not eligible
  • Rent — No reward.
  • Education — No reward.
  • Insurance — No reward.
  • Fuel — No reward.
  • Wallet — No reward.
  • Jewellery — No reward.
Milestones · 1 recorded
  • Milestone — First-year fee reversal after ₹15k spend in 30 days.
Eligibility

Subject to AU's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: Not recorded
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
  • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 5 areas

5 areas need further verification. None of these are counted as zero.

  • • Government — partially verified
  • • Lounge benefit — not recorded; check the issuer terms
  • • Fuel surcharge waiver — not recorded; check the issuer terms
  • • Foreign-currency markup — not recorded; check the issuer terms
  • • Payment network — not recorded

Sources & verification

Verification & sources · last checked 2026-09-23

Verification coverage: 15 of 16 categories verified · 1 still being verified

Card record last checked: 2026-09-23

Documents used
AU Small Finance Bank — ABC PRO Official Product Documentation · SRC-AU-ABC-PRO · 2026-09-23
ABC PRO₹999 1st year