AU Small Finance Bank
AU Laksya Credit Card
Data last verified: 11 October 2026
- Joining fee₹1,000 + GST
- Annual fee₹1,000 + GST
- Reward rate0.5% base, up to 1.25% on groceries
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹1,000 + GST
- Annual fee₹1,000 + GST
- Fee waiverOn ₹2 lakh spend a year
- Forex markup3.49%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹150 a month
The Laksya earns 5 points per Rs 100 on groceries, department stores and tap to pay, about 1.25%, capped at Rs 250 a month. Other retail spends earn 2 points, about 0.5%, and utility, insurance and telecom earn 1 point. You also get up to 15% off on Amazon grocery, Zomato and buy one get one movie tickets on District, capped at Rs 250 a month.
It costs ₹1,000 a year and the fee is waived once you spend ₹2 lakh in the year. The welcome voucher worth Rs 1,000, or 4,000 points, covers the first year.
It suits families with a steady grocery bill. The catch is that the 8 domestic lounge visits need Rs 50,000 of spend in the previous quarter.
Best for: Families with regular grocery spend, People who tap to pay at stores, Occasional flyers.
01AU Laksya Credit Card Rewards and Benefits
02AU Laksya Credit Card Annual Fee and Charges
- Joining fee
- ₹1,000 + GST
- Annual fee
- ₹1,000 + GST
- Spend-based waiver
- Annual fee waived on ₹2 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.49%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹150 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on groceries, earning 1.25%₹63
- ₹15,000 on everything else, earning 0.5%₹75
- Back each month, ₹1,656 a year₹138
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹1,656
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Groceries: 1.25% back, up to ₹250 a month
- Spending ₹16,667 or more a month: the ₹1,180 fee is waived
- Flyers: 8 airport lounge visits a year
Skip it if…
- you spend less than ₹16,667 a month (₹2,00,000 a year, rent and wallet loads not counted): the ₹1,180 fee is then charged
- most of your spending is fuel, rent, education or government payments: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on groceries: the 1.25% rate applies only there, everything else earns 0.5%
- you often pay in foreign currency: 3.49% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹1,000 each
- Fee waived on ₹2 lakh annual spend
- About 1.25% on groceries, department stores and tap to pay, up to ₹250 a month
- About 0.5% on other retail spends
- 8 domestic lounge visits a year after ₹50,000 spend in the previous quarter
- ₹1,000 voucher or 4,000 points on activation and first spend
05Pros and Cons
Pros
- Welcome benefit covers the first year's fee
- Higher points on groceries and tap to pay
- Discounts on Zomato and movies
- Airport lounge access
Cons
- Grocery rewards capped at ₹250 a month
- Lounges need ₹50,000 spend in the previous quarter
- Waiver needs ₹2 lakh a year
- 3.49% forex markup
06How AU Laksya Credit Card earns Rewards
0.5% base, up to 1.25% on groceries.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 0.5% | No cap | The card's normal rate |
| Dining and food delivery | 0.5% | No cap | The card's normal rate |
| Groceries | 1.25% | ₹250 | All merchants in the categoryTerms: 5 reward points per ₹100 on grocery and departmental stores (~1.25%), capped at 1,000 points a statement cycle; contactless (Tap & Pay) transactions earn 5 points uncapped |
| Travel: flights, hotels, trains | 0.5% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.25% | No cap | All merchants in the categoryTerms: 1 reward point per ₹100 on insurance, utility and telecom spends (~0.25%), capped at 100 reward points per transaction |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 0.25% | No cap | All merchants in the categoryTerms: 1 reward point per ₹100 on insurance, utility and telecom spends (~0.25%), capped at 100 reward points per transaction |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | 0.5% | No cap | The card's normal rate |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.5% | No cap | The card's normal rate |
| Everything else | 0.5% | No cap | The card's normal rate |
Terms on the base rate. 2 reward points per ₹100 on all other retail spends (~0.50%)
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
07AU Laksya Credit Card Lounge Access and Travel
Domestic lounge access is 8 visits a year. Spend Rs 50,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.49% forex markup; rewards on it: 0.5% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, airport lounge access, movie ticket offers.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹150 per statement cycle
- Airport lounge access: 8 domestic lounge visits per calendar year (max 2 per quarter), each quarter's visits unlocked by ₹50,000 spend in the previous quarter
- Movie ticket offers: Buy-one-get-one movie tickets each month plus flat 15% off at partner merchants
08AU Laksya Credit Card Eligibility and Documents
- Age
- 21 to 65 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
09Recent Changes
What AU Small Finance Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Jul 2026 | Reduced: Fuel fair-usage terms tightened, trigger halved, levy on the whole aggregateSource: AU Small Finance Bank | 1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 | 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000 |
| 14 Jun 2026 | Reduced: New 1% fair-usage charge on transportation spendsSource: AU Small Finance Bank | No transportation fair-usage charge | 1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower |
| 4 May 2026 | Changed: AU Laksya launches as part of a four-card clusterSource: AU Small Finance Bank | - | - |
See this card's change history → · All card changes in July 2026 →
10Cards Similar to AU Laksya Credit Card
AU Laksya Credit Card is a grocery card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | AU Laksya Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹1,000 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹1,000 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 0.5% base, up to 1.25% on groceries | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 8 visits a year | 2 visits a year | Not included |
| Forex markup | 3.49% | 1.99% | 3.5% |
| Type | Grocery | Dining | Fuel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
Is the ₹1,000 fee waived?
Yes, once you spend ₹2 lakh in a year. Below that the fee plus GST is charged.
Does it give lounge access?
Yes, 2 domestic lounge visits a quarter if you spent ₹50,000 in the previous quarter.
What is the joining fee for the AU Laksya Credit Card?
The joining fee is ₹1,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the AU Laksya Credit Card?
The annual fee is ₹1,000 + GST.
Does the AU Laksya Credit Card give airport lounge access?
Yes. Domestic lounge access is 8 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with AU Small Finance Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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Guides in Plain Words
Short reads that explain how it works before you decide.
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