Card Details
AU Laksya Credit Card
Card Issuer
AU Small Finance Bank
Joining Fee
₹1,000
Annual Fee
₹1,000
Reward Type
Reward Points
Card Access
Standard
Earn Points
5 Rp/₹100
On grocery (max 1,000 rp/cycle shared with departmental stores)
5 Rp/₹100
On departmental stores (shared limit)
5 Rp/₹100
On contactless tap & pay spends (no limit)
2 Rp/₹100
On other retail spends
Benefits
5 reward points per ₹100 on grocery,…
- 5 reward points per ₹100 on grocery, departmental stores, and contactless spends
- 5 RP/₹100 on grocery, departmental, and contactless spends
Up to 8 domestic lounge visits per year (2 per…
- Up to 8 domestic lounge visits per year (2 per quarter) with spend condition
- Domestic lounge access up to 8 visits/year
1% fuel surcharge waiver
Annual fee waived on ₹2 lakh annual spend
Things to Keep in Mind
Grocery + departmental store accelerated rewards are capped at 1,000 reward points per statement cycle.
Fuel surcharge waiver applies only to ₹400–₹5,000 fuel transactions with max ₹150 per statement cycle.
Domestic lounge access is conditional on ₹50,000 spend in the previous quarter.
No reward points on cash, rent, education & govt, EMI, fuel, BBPS, transportation, and quasi-cash transactions.
Welcome benefit requires card activation and first transaction within 30 days of issuance.
Reward points are not earned on cash, rent, education, government payments, EMI, fuel, BBPS, transportation or quasi-cash transactions.
