AU Laksya Credit Card

Before you count on Laksya

Two things decide whether this card works for you, and neither is the reward rate.

First, AU Small Finance Bank generally issues only one credit card per customer, users report. If you hold AU LIT, Ixigo or any other AU card, you will likely have to choose. Second, the lounge visits are not free in the usual sense. You get 2 domestic visits in a quarter only if you spent ₹50,000 on the card in the previous quarter.

Some Reddit summaries say Laksya's lounges need a ₹5,000 flight booked through AU Rewardz. That is the rule on its sibling, AU Ananta, not on Laksya.

If neither of those puts you off, Laksya is a reasonable household card for groceries and tap-to-pay.

Groceries, departmental stores and tap-to-pay

Laksya earns per ₹100, and users report AU Rewardz points are worth about ₹0.25 each, so the percentages below are estimates:

• 5 points per ₹100 (about 1.25%) on grocery, departmental stores and contactless Tap & Pay.
• Grocery and departmental together stop at 1,000 points per statement cycle, about ₹250. You reach that at ₹20,000 of spend.
• Contactless has no cap stated.
• Other retail earns 2 points per ₹100 (0.5%); insurance, utility and telecom earn 1 point (0.25%).
• Cash, rent, education, government, EMI, fuel, BBPS, transport and quasi-cash earn nothing.

There is also a 15% instant discount on Amazon Fresh and Amazon Now, capped at ₹250. Users say it extends to Zomato, but AU's record names only the two Amazon services.

One household month

Say you spend ₹12,000 on groceries and the local supermarket, ₹5,000 by tapping your card at shops, and ₹8,000 on everything else. That is 600 + 250 + 160 = 1,010 points, roughly ₹250. Over a year that is about ₹3,000, but only on ₹3 lakh of spend, about 1%.

The same ₹25,000 a month, ₹75,000 a quarter, also clears the lounge condition (₹50,000 of spend in the previous quarter) and the fee waiver.

What the ₹1,000 fee really costs

The joining and annual fees are ₹1,000 + GST. Activate and make your first transaction within 30 days and you get 4,000 points or a ₹1,000 voucher, which covers year one apart from GST. From year two the fee is waived on ₹2 lakh of annual spend, about ₹16,700 a month.

Users also report a ₹99 redemption fee, which takes a real bite out of a ₹250 month. Redeem in large batches.

The bottom line on AU Laksya

Laksya suits a household that puts about ₹17,000 to ₹25,000 a month on the card, mostly groceries and tap-to-pay, has no other AU card, and wants a couple of lounge visits a quarter. At that level the ₹2 lakh waiver and the ₹50,000 quarterly lounge condition are both met, so it is free after year one and returns about 1%. At ₹15,000 a month you would miss both.

Reddit's verdict is lukewarm. Users call it a middle-class workhorse and say lifetime-free cards like AU LIT, or cashback cards like SBI Cashback, beat it on overall value. If your spend is mostly online, look there first. For more options, see Monzy's list of grocery credit cards.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva