AU Bank Laksya Credit Card
AU Small Finance Bank · Visa · Mid card
A balanced mid-tier household card with grocery value and eight annual domestic lounge visits.
Households with grocery and store spend that take several domestic trips each year.
Terms checked 24 Sept 2026
- Annual fee
- ₹1,000 + GST
- Joining fee
- ₹1,000 + GST
- Base reward rate
- 0.5%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Groceries & essentials | 1.3% |
| Online shopping | 0.5% |
| Dining & delivery | 0.5% |
| Travel & hotels | 0.5% |
| Beauty & wellness | 0.5% |
| Entertainment & movies | 0.5% |
| Healthcare & pharmacy | 0.5% |
| Subscriptions & streaming | 0.5% |
| Offline store shopping | 0.5% |
| International spending | 0.5% |
| Gold & jewellery | 0.5% |
| Other miscellaneous | 0.5% |
| Bills & utilities | 0.3% |
| Insurance premiums | 0.3% |
| Fuel & commute | 0% |
| Education & family | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹2,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
8 domestic airport lounge visits per year
2 domestic airport lounge visits per quarter · Issuer card
Guest access: Not available
Requires ₹50,000 per Calendar quarter for the following calendar quarter
Spend condition: Spend ₹50,000 in the preceding calendar quarter.
Movies and entertainment
District · Buy one, get one · up to ₹250 · 1 use/month
Availability: One eligible BOGO booking per calendar month; minimum ticket transaction ₹250 and discount capped at ₹250..
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 6 items
Contactless points
Usage-based valueFive points per ₹100 only on eligible contactless Tap & Pay transactions.
Conditions: Five points per ₹100 only on eligible contactless Tap & Pay transactions.
Grocery points
Usage-based valueFive points per ₹100 on eligible grocery purchases, sharing the statement-cycle cap with department stores.
Department-store points
Usage-based valueFive points per ₹100 only at eligible department stores, sharing the statement-cycle cap with groceries.
Conditions: Five points per ₹100 only at eligible department stores, sharing the statement-cycle cap with groceries.
Utility, telecom and insurance points
Usage-based valueOne point per ₹100 on eligible utility, telecom and insurance payments.
Other eligible points
Usage-based valueTwo points per ₹100 on other eligible purchases.
Five points per ₹100 on eligible grocery, department-store and contactless spend
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹1,000₹1,000 annual fee before applicable tax.
Joining fee
Cost ₹1,000₹1,000 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹1,000Annual fee may be waived after ₹2,00,000 of eligible annual spending.
Conditions: Reach ₹2,00,000 eligible annual spending
Welcome benefits · 1 item
4,000 points or ₹1,000 voucher
Recorded value ₹1,000Choice of 4,000 AU Reward Points or a ₹1,000 voucher, both conservatively valued at ₹1,000.
Conditions: Activate the card and complete the first eligible purchase within 30 days · Select and claim the eligible welcome option under issuer terms
Airport lounge access · 1 item
Domestic lounge access
Usage-based value2 visits per quarter through Issuer card. Guest access: not available.
Conditions: Spend ₹50,000 per calendar quarter
Movies and entertainment · 1 item
District movie offer
Usage-based · up to ₹3,000Buy one, get one offer up to ₹250, 1 time per month. One eligible BOGO booking per calendar month; minimum ticket transaction ₹250 and discount capped at ₹250.
Insurance and protection · 4 items
Insurance Coverage
Shown without a cash valueCard Liability Cover
Shown without a cash valueCredit Shield
Shown without a cash valueDevice Protection Cover
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.49% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. AU does not publish a universal numeric income threshold for Laksya.
Other benefits · 3 items
15% monthly discount at Amazon Fresh/Amazon Now and Zomato, each capped at ₹250 on ₹500+ transactions
Shown without a cash value1% fuel-surcharge waiver on ₹400-₹5,000 fuel transactions, capped at ₹150 per statement cycle
Shown without a cash valueZero processing fee on eligible Xpress EMI
Shown without a cash value
Other categories (8)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Official source 3 ↗
What stands out
- ✓ Five points per ₹100 on eligible grocery, department-store and contactless spend
- ✓ Eight domestic airport-lounge visits yearly after the prior-quarter spend condition
- ✓ Monthly District movie BOGO capped at ₹250
- ✓ Choice of 4,000 welcome points or a ₹1,000 voucher
What to watch
Grocery and department-store acceleration shares a 1,000-point statement-cycle cap. Lounge access requires ₹50,000 in the preceding quarter, and utility, telecom and insurance earn only one point per ₹100.
Recorded exclusions
Fuel Commute · Rent · Education Family · Government payments · Wallet load · Quasi cash · Transportation · Cash withdrawal · Emi
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 24 Sept 2026