AU Laksya Credit Card Review
At a Glance
| Joining Fee | ₹1,000 + GST (₹1,180 all-in), charged on activation, no waiver |
| Annual Fee | ₹1,000 + GST from year 2, waived on ₹2 lakh of retail spends in the previous card year |
| Best Suited For | Families with big grocery and tap-to-pay spending who fly domestic a few times a year |
| Reward Type | AU Reward Points, redeemed on AU Rewardz |
The AU Laksya Credit Card is AU Small Finance Bank’s everyday rewards card. It pays 5 reward points per ₹100 on groceries, department stores and contactless tap-to-pay, and 2 points per ₹100 on most other spends.
It also carries up to 8 domestic airport lounge visits a year, three monthly app discounts on Amazon Fresh, Zomato and District, and zero processing fee on Xpress EMI.
The catch is the spending you need to unlock it. Lounge access needs ₹50,000 a quarter, and the fee waiver needs ₹2 lakh a year. This review shows whether those numbers work for you.
Rewards & Benefits
Reward rate and earn structure
| Spend type | Points per ₹100 | Cap |
|---|---|---|
| Grocery and department stores | 5 | 1,000 points per statement cycle |
| Contactless tap-to-pay (card or phone) | 5 | No cap |
| Other retail spends | 2 | None published |
| Insurance, utility and telecom | 1 | 100 points per utility or telecom transaction |
| Cash, rent, education, government, EMI, fuel, BBPS bill payments, transport, quasi-cash | 0 | Not eligible |
The grocery cap of 1,000 points is reached at ₹20,000 of grocery and department store spending in a cycle. Anything above that earns nothing extra at 5x.
The uncapped tap-to-pay rate is the hidden strength. Tap your card or phone on a shop’s POS machine for payments up to ₹5,000 without a PIN, and every such payment earns 5 points per ₹100 with no monthly limit.
Note that utility bills paid through BBPS earn nothing. Pay them directly on the provider’s site if you want the 1 point.
Redemption and point value
Points go into AU Rewardz, where you can redeem them for e-vouchers, merchandise, and flight or hotel bookings. Each redemption costs ₹99 + GST, so redeem in large batches, not small ones. Points stay valid for 2 years from the date you earn them.
AU does not publish a fixed rupee value per point for this card. Its welcome offer treats 4,000 points as the alternative to a ₹1,000 voucher, which works out to ₹0.25 a point. At that rate, 5 points per ₹100 is 1.25% back and 2 points is 0.5%.
Welcome benefit and partner offers
Activate the card and make your first transaction within 30 days of issue, and you can pick 4,000 bonus points or a ₹1,000 brand voucher. You must claim it within 2 months of activation, and the choice cannot be changed later.
| Partner | Offer | Minimum order | Maximum a month |
|---|---|---|---|
| Amazon Fresh / Amazon Now | 15% instant discount | ₹500 | ₹250, once a month |
| Zomato food delivery | 15% instant discount | ₹500 | ₹250, once a month |
| District movies | Buy one, get one ticket | ₹250 | ₹250, once a month |
Used every month, these three offers are worth up to ₹750 a month, or ₹9,000 a year. Add-on cards can use them too. The Visa version also lists a free Times Prime membership and MakeMyTrip flight and hotel offers.
Lounge access, fuel and EMI
| Benefit | Details |
|---|---|
| Domestic lounges | 2 visits a quarter, 8 a year, if you spent ₹50,000 in the previous calendar quarter |
| International lounges | Not offered |
| Fuel surcharge waiver | 1% on ₹400 to ₹5,000, up to ₹150 per statement cycle |
| Xpress EMI | Zero processing fee on transactions of ₹2,000 or more |
Lounge visits are for the primary cardholder only. The lounge swipes your card for a non-refundable ₹2 check.
Fees & Charges
| Charge | Amount |
|---|---|
| Joining fee | ₹1,000 + GST, no waiver |
| Annual fee | ₹1,000 + GST, waived on ₹2 lakh of retail spends |
| Interest | 3.75% a month (45% a year) |
| Interest-free period | Up to 50 days |
| Forex markup | 3.49% |
| Cash advance | 2.5% or ₹500, whichever is higher |
| Late payment | 15% of total amount due, minimum ₹10, maximum ₹1,300 |
| Over-limit | 2.5% of the excess, minimum ₹500 |
| Payment return | 2% of total amount due, minimum ₹500 |
| Reward redemption | ₹99 + GST per redemption |
GST at 18% applies on top of every fee and on interest. The ₹2 lakh waiver works out to about ₹16,700 a month. If you already spend ₹50,000 a quarter for lounge access, you hit the waiver automatically.
The charge that catches people out is the late fee. At 15% of your total due, a missed payment on a ₹5,000 bill costs ₹750, and the ₹1,300 maximum kicks in at about ₹8,700.
Eligibility & Documents Required
| Criteria | Requirement |
|---|---|
| Age (salaried) | 21 to 60 years |
| Age (self-employed) | 25 to 65 years |
| Add-on cardholder | Over 18 years |
| Residency | Resident Indian |
AU does not publish a minimum income for Laksya, and says the criteria are only indicative. Keep your PAN, Aadhaar and recent salary slips or ITR ready. Approval is at the bank’s discretion.
Pros & Cons
| Pros | Cons |
|---|---|
| Uncapped 5x on tap-to-pay | Grocery 5x capped at 1,000 points a cycle |
| Up to ₹750 a month in app discounts | Lounge visits need ₹50,000 a quarter |
| Welcome benefit matches the joining fee | No joining fee waiver |
| Zero-fee Xpress EMI | ₹99 + GST fee on every redemption |
AU Laksya vs Competitors
| Feature | AU Laksya | Kotak League Platinum | BOBCARD Cashback |
|---|---|---|---|
| Fee | ₹1,000 + GST | ₹499 + GST | ₹499 + GST |
| Fee waiver | ₹2 lakh a year | ₹50,000 a year | None |
| Main earn | 5 points per ₹100 on grocery and tap-to-pay | 4 to 8 points per ₹150 | 5% on online spends |
| Lounge | 8 domestic a year | None | None |
Laksya is the only one of the three with lounge access, and it is the best for offline shoppers who tap to pay. If most of your spending is online, the BOBCARD Cashback Credit Card returns more. For a step up within AU, compare the AU Zenith+ Credit Card.
How to Apply
Use the Apply Now button below to reach AU’s Laksya page. Enter your mobile number, PAN and income details, then finish video KYC.
Once the card arrives, activate it in the AU 0101 app, net banking or on 1800 1200 1500. Make a purchase within 30 days of issue so you do not lose the welcome benefit.
Frequently Asked Questions
Is the AU Laksya annual fee waived?
Yes, the ₹1,000 + GST annual fee is waived from the second year if you spent ₹2 lakh on retail purchases in the previous card year. The joining fee is never waived.
How many lounge visits does AU Laksya give?
You get up to 8 domestic lounge visits a year, 2 per quarter. Each quarter’s visits need ₹50,000 of spending in the previous calendar quarter.
Does AU Laksya give international lounge access?
No. Only domestic airport lounges in India are covered, and only for the primary cardholder.
Do I earn reward points on fuel or rent?
No points are earned on fuel, rent, education, government payments, EMI or BBPS bill payments. Fuel bills of ₹400 to ₹5,000 do get a 1% surcharge waiver, up to ₹150 a cycle.
Which welcome benefit should I choose?
Both are pitched as worth ₹1,000. Pick the voucher if one of the listed brands suits you, since points carry a ₹99 + GST redemption fee.
Bottom Line
The AU Laksya Credit Card rewards one habit above all: tapping your card for everyday shopping. Do that, use the three app offers each month, and spend ₹50,000 a quarter, and the card returns well over its ₹1,180 joining cost.
Get it if you spend ₹2 lakh or more a year offline and fly domestic a few times. Skip it if you spend under ₹16,000 a month, shop mostly online, or travel abroad. The fee and the lounge rules will cost you more than you earn.
Fees and features are as of October 2026. Check AU Bank’s site before applying.
