AU Laksya Credit Card

AU Small Finance Bank · Open to apply

A ₹1,000 rewards card with 5 points per ₹100 on groceries and departmental stores (up to 1,000 points a statement) and on contactless payments, 2 on other retail spends, monthly partner discounts and 8 domestic lounge visits a year. The fee is waived on ₹2 lakh of yearly spend.

Annual fee
₹1,000 + GST a year
Joining fee
₹1,000 + GST
Fee waiver
Annual fee waived on ₹2,00,000 spend per card year
Base rate
Other retail spends, 2 points per ₹100: 2 AU reward points per ₹100 (about 0.4% at cash value)
Lounges
Domestic: 2 visits a calendar quarter after ₹50,000 spend
Forex markup
3.49%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Groceries and departmental stores, 5 points per ₹100 (up to 1,000 points a statement): 5 AU reward points per ₹100 (about 1% at cash value)

Earns nothing on

  • No points on cash, rent, education, government, EMI, fuel and tolls
  • No points on railways (transportation)

Where the sources disagree

  • Fuel surcharge waiver cap: The page's headline and FAQ say up to ₹150 a statement cycle and its detail text ₹250; the KFS and MITC say ₹150 for Laksya. We use ₹150.

Terms the calculator does not value

  • 5 points per ₹100 on contactless (Tap & Pay) payments with no cap. The calculator cannot tell a tap payment from other card spend, so it is valued at the 2-point base; a holder who taps for most offline spend earns more.
  • The 15% partner discounts (Amazon Fresh, Zomato, District) are each worth up to ₹250 a month on a minimum spend and are not valued.
  • Local commute (MCC 4111) and BBPS earn nothing but are valued at the base rate.
  • No document states a redemption value for Laksya; ₹0.20 is the 2023 voucher rate for all AU cards.

Sources

Compare this card · Find the best card for your spending