Laksya Credit Card
A ₹1,000 points card: 5 points per ₹100 at grocery and department stores (up to 1,000 points a statement cycle) and on contactless taps, 2 elsewhere, and 8 domestic lounge visits a year; points are valued at ₹0.25. Every figure below is copied from AU Small Finance Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹1,000 plus GST Product page |
|---|---|
| Annual fee | ₹1,000 plus GST Product page |
| Annual fee waiver | On ₹2,00,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3.49% of the transaction, plus GST MITC |
| The joining fee is charged on card activation and is not waived; the annual fee from the second year is waived on ₹2 lakh of retail spend in the previous card anniversary year. | |
| Reward redemption fee | ₹99 plus GST Terms |
Rewards
Reward points, ₹0.25 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| Grocery and department stores | 5 points per ₹100 Product page | up to 1,000 points a statement cycle Product page |
| Utility and telecom bills (up to 100 points a transaction; BBPS bills earn nothing) | 1 point per ₹100 Product page | no cap on record |
| Insurance premiums | 1 point per ₹100 Product page | no cap on record |
| All other retail spends | 2 points per ₹100 Product page | no cap on record |
Contactless (tap and pay) transactions also earn 5 points per ₹100 with no cap; CardWise cannot tell how you pay in store, so it counts other in-store spends at 2 points. Cash, EMI, BBPS and quasi-cash transactions earn nothing.
No rewards on
- Rent Product page
- Education and government payments Product page
- Fuel Product page
- Transportation merchant codes, which include railways (MCC 4112) Product page
Benefits
- Lounges: 8 domestic airport lounge visits a year, at most 2 a quarter — ₹50,000 of spend in the previous calendar quarter Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹150 a statement month Fee schedule
- Welcome: 4,000 bonus points or a ₹1,000 brand voucher on activation and a first transaction within 30 days (joining fee must be paid) Product page
Also on this card
Quoted from AU Small Finance Bank; not counted in the net value.
- 5 points per ₹100 on contactless (tap and pay) payments, uncapped Product page
- 15% off Amazon Fresh / Amazon Now groceries, up to ₹250 a month Product page
- 15% off Zomato food delivery, up to ₹250 a month Product page
- Buy-one-get-one movie tickets on District, up to ₹250 a month Product page
- Xpress EMI with no processing fee on transactions of ₹2,000 or more Product page
Eligibility
- Salaried: age 21 to 60 Product page
- Salaried: age 21 to 60 Product page
- Self-employed: age 25 to 65 Product page
- Self-employed: age 25 to 65 Product page
- Resident Indian Product page
- Salaried or self-employed Terms
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by AU Small Finance Bank in the documents read
- the card network
- milestone benefits
Where AU Small Finance Bank’s documents differ, and what is used
- Fuel surcharge waiver cap: the product page gives ₹150 a statement cycle in two places and ₹250 in another; AU's key fact statement of 30 Sep 2026 gives ₹150 a statement month for Laksya, which CardWise uses.
- Point value: the Laksya page gives no rupee value; CardWise uses AU's general FAQ figure, which AU writes as '0.25 paise' but which can only mean ₹0.25, as the welcome choice of 4,000 points or a ₹1,000 voucher also implies.
The quotes behind the figures
34 figures, each copied from an official AU Small Finance Bank document.
Show every quote and source
“The joining fee for the AU Laksya Credit Card is ₹1,000 + GST.”
“Annual Card Membership fee : ₹1,000 + applicable taxes”
“18% applicable on all fees, interest & charges.”
“- For 2nd year onwards fee waiver : ₹2,00,000 retail spends done in previous card anniversary year.”
“Credit Card Variant Altura, Altura Plus, LIT, Business Cashback, InstaPay, AU SPONT, SwipeUp-Xcite Series of Cards, AU KOSMO, Vetta, Prathama, Tejas, Laksya, Ananta, CheQ, Paytm AU, AU Zaggle, Zenith AU CA, AU CS Zenith+, NOMO, Traverse (NRI) ixigo AU Currency Markup Charges 3.49%”
“Value of 1 Reward Point is 0.25 paise for all categories excluding E-vouchers where the value for 1 Reward Point is 0.20 paise.”
“Earn 5 Reward Points per ₹100 spent on Grocery, Departmental Stores & Contactless payments”
“Cardholders can earn up to a maximum of 1,000 Reward Points on Grocery and Departmental store spends in a card statement cycle.”
“Earn 1 Reward Point per ₹100 spent on Insurance, Utility & Telecom spends”
“Earn 2 Reward Points per ₹100 spent on all other retail spends.”
“Cash, Rent, Education & Govt, EMI, Fuel, BBPS, transportation and Quasi Cash transactions are not eligible for Reward Points”
“Transportation (4011, 4111, 4112, 4121, 4131, 4411, 4582, 4784, 4789, 5561, 7523)”
“No, there is no joining fee waiver on the AU Laksya Credit Card.”
“There is no maximum capping on Contactless/Tap and Pay transactions”
“Welcome Benefit is available for Primary cardholder who has paid the Joining Fees of the card.”
“Cardholders will be eligible for 2 complimentary domestic airport Lounge access each quarter on spending ₹50,000 in previous quarter.”
“AU Credit Cardholders need to spend minimum of Rs. 50,000 in a calendar quarter to become eligible for Complimentary Domestic Airport Lounge Access in the next calendar quarter.”
“Save 1% surcharge on fuel spends ₹400-₹5,000 across India* (Maximum ₹150 per statement cycle)”
“1% Fuel Surcharge Waiver for fuel transactions done between ₹400 and ₹5,000, across all fuel stations in the country (Maximum ₹250 per statement cycle).”
“A nominal fees of INR 99 + GST will be levied on each successful redemption.”
“Enjoy 8 Domestic Lounge visits per calendar year (max 2 per quarter).”
“(a) 1% fuel surcharge refunded for transactions between ₹ 400 to ₹ 5,000 for below cards:”
“Laksya : Maximum of ₹ 150 per statement month.”
“4,000 Bonus Reward Points or ₹1,000 Brand Voucher on card activation*”
“Make quick, secure payments up to ₹5,000 without entering your PIN by tapping your card or mobile phone with a digitally added card on a POS machine and earn 5 Reward Points on every Rs.100 spent”
“Earn up to 15% instant discount on Amazon Grocery/Amazon Now every month (max cashback ₹250 per month).”
“Earn up to 15% instant discount on Food Deliveries via Zomato App every month (max cashback ₹ 250 per month).”
“Buy-One-Get-One movie tickets with District App (max cashback ₹250 per month).”
“Convert transactions of a minimum value of ₹2000 into EMI with Zero Processing Fee.”
“Salaried: 21 years to 60 years”
“Self Employed: 25 years to 65 years”
“Resident Indian”
“Both salaried and self-employed individuals”
“Laksya Credit Card Turn everyday expenses into the most rewarding experiences Apply Now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with AU Small Finance Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is AU Small Finance Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology