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Premium Decision Grade Catalog
AU SMALL FINANCE BANK LIMITED
Aditya Birla AU Bank Credit Card Pro
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Verified Catalog
Source: AU SMALL FINANCE BANK LIMITED Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Premium travel and lifestyle card offering higher reward points, Ola cashback, low forex markup and airport lounge access
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Nxt & Flex: Up to 6 rewards points per Rs. 200; 5% cashback on Ola (max Rs. 100/month)
Highlight 2
Pro: Up to 10 reward points per Rs. 200; 10% cashback on Ola (max Rs. 200/month); 1.99% forex markup
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹999
The front-loaded charge when you apply.
Annual fee
₹999
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹999100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"NA"
Hotel Privileges
"8 Complimentary IRCTC Railway Lounge Access per year"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Income proof ₹6L+"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Unique digital card with low APR (23.88%) for EMIs and good 2X cashback on online spends. The extended interest-free period for 90 days is valuable for those needing payment flexibility. Recent updates requiring minimum spend for higher rewards may limit its appeal for some users."
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: Free Club Marriott, Amazon Prime, and Swiggy One membership on spending ₹1.5 lakh in first 90 days
- Base Rate: 5 reward points per ₹150 spent
- Accelerated Rewards Program: Accelerated rewards on travel bookings and milestone spending
- Travel (Hotels & Other): 8 Complimentary IRCTC Railway Lounge Access per year
Cons
- RP to Rupees: 1pt=₹0.25
- Domestic Airport: NA
- Movie/Entertainment: Dining deals
- Lifestyle and Fashion: Global concierge
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