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Credit Cards · India

AU Bank Laksya Credit Card

Updated 3 Jul 2026Source-linked

The AU Bank Laksya Credit Card is a mid credit card from AU Small Finance Bank, with a joining fee of ₹499 + GST.

It earns up to 5 pts per ₹100 (≈1.1% value) on grocery departmental spends in the form of reward points (points).

Cardholders get 8 annual domestic airport lounge access, plus 4,000 bonus reward points or ₹1,000 brand voucher as a welcome benefit.

AU Small Finance Bank logo
AU Bank Laksya Credit Card
Visa logo
  • Joining Fee₹499
  • Annual Fee₹499
  • Best Suited ForEveryday spends
  • Reward TypeReward Points (points)
Rewards Rate
  • 5 pts per ₹100 on grocery departmental
  • Base 0.22% on other spends
Welcome Benefits
  • 4,000 bonus Reward Points or ₹1,000 brand voucher
Data verified 3 Jul 2026 — see our methodology
AU Small Finance Bank logoAUVisa logoplatinummid
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Rewards and Benefits

Rewards Rate
5 pts per ₹100 on grocery departmental
Base 0.22% on other spends.
Reward Redemption
AU Rewardz: Redeem at ₹0.25 per unit.
Welcome Benefits
4,000 bonus Reward Points or ₹1,000 brand voucher
Milestone Rewards
N/A
Domestic Lounge Access
8 visits each annual.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Groceries₹88/mo

    You spend ₹8,000 · earns 1.1% = ₹88 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.2% = ₹33/mo
  • Dining & food delivery₹8,000 · 0.2% = ₹18/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.2% = ₹22/mo
  • Utilities & bills₹5,000 · 0.2% = ₹11/mo
Est.net rewards for this spend, realistic
₹2,059/yr

₹2,059 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.49%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)

Product Details

  • mid card issued by AU Small Finance Bank.
  • Joining / annual fee of ₹499 + GST, waived on annual spends of ₹1,00,000.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (8/annual).

Pros & Cons

Pros
  • Annual fee waivable on ₹1,00,000 spend.
  • Complimentary domestic airport lounge access (8/annual).
Cons
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹1,000 welcome benefit

  • 4,000 bonus Reward Points or ₹1,000 brand voucher
    Card activation
    Window: 90 days from issuance.

Accelerated rewards

  • 5 pts per ₹100 on grocery departmental
    Up to 5 Reward Points per ₹100 on Grocery, Departmental Stores & select categories; 1 RP per ₹100 base.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Airport lounge access

Domestic
8 visit(s) / annual. Via visa.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
730+
Income (salaried)
₹4,00,000 p.a.
Income (self-employed)
₹4,00,000 p.a.
Tagsmidgroceriespointslounge