AU Laksya Credit Card
AU Laksya positions itself as a mid-tier rewards card for the routine expenses a household actually runs up — groceries, departmental-store shopping and contactless payments earn 5 reward points per ₹100 (with the grocery/departmental leg capped at 1,000 points a cycle, while contactless spending earns uncapped), and everything else in general retail earns 2 points per ₹100. New cardholders start with 4,000 bonus reward points, or alternatively a ₹1,000 brand voucher, on activation. Beyond the earn rate, it layers on a flat 15% discount at partner merchants, buy-one-get-one movie tickets every month, and up to 8 domestic airport lounge visits a year (capped at 2 per quarter, and each quarter's access depends on having spent ₹50,000 in the quarter before). It isn't fee-free — the ₹1,000 charge is waived only once annual retail spend crosses ₹2,00,000.
Key features
A quick rundown of what actually makes this card worth carrying.
Welcome Benefit
~₹1,000 in vouchers, points or cashback on card activation
1.25% on Groceries
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
0.5% on Other
2 reward points per ₹100 on all other retail spends (~0.50%)
️ Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
Fee of ₹1,000 + 18% GST (₹1,180 all-in)/yr fully waived when you spend ₹2,00,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹150/month
Movie Ticket Benefit
Buy-one-get-one movie tickets each month plus flat 15% off at partner merchants
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Groceries | reward points | 1.25% | ₹250 |
| Other | reward points | 0.5% | — |
| Utility Bills | reward points | 0.25% | — |
| Insurance | reward points | 0.25% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹1,180 |
| Joining fee (incl. 18% GST) | ₹1,180 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1%, cap ₹150 |
Perks & benefits
Non-reward perks add up to roughly ₹6,000/yr in estimated value.
️ lounge access ~ ₹3,000 /yr
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 ~ ₹2,400 /yr
Buy-one-get-one movie tickets each month plus flat 15% off at partner merchants
fuel waiver ~ ₹600 /yr
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹150 per statement cycle
Should you get it?
Best for: Grocery and departmental-store spenders, Families wanting movie and lounge perks
Sits in the mid tier — a dependable choice for regular monthly spending.
You'll get the most value here if Groceries are a big part of your budget ( 1.25% back).
Regular travellers also come out ahead thanks to the built-in airport lounge access.
✓ Pros
- 5 points per ₹100 on grocery, departmental-store and contactless spends
- 8 lounge visits a year plus a monthly buy-one-get-one movie ticket offer
- A welcome bonus of 4,000 points or a ₹1,000 voucher
- No processing fee on Xpress EMI conversions
✕ Cons
- Grocery and departmental-store earning caps out at 1,000 points per statement cycle
- Each quarter's 2 lounge visits require ₹50,000 of spend in the prior quarter
- Fuel, rent, education, government, EMI and cash transactions earn nothing
Eligibility & documents
Age
21 –65 years
Min. income
₹20,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
The main routes for turning earned points into usable value.
🎁 Online rewards catalogue (vouchers, merchandise)
🎁 Flight & hotel bookings via the issuer rewards portal
🎁 Statement credit / cashback adjustment
What your AU Reward Points are worth
What each point is actually worth depending on how you redeem it — this gap is where most cardholders lose value without realising it.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern The headline grocery rate is capped at 1,000 points a statement cycle (₹20,000 of spend), and each quarter's 2 lounge visits only unlock once you've spent ₹50,000 in the quarter before.
The bottom line
A dependable pick for everyday household and family spending. Earning 5 points per ₹100 on groceries and shopping genuinely helps with typical household budgets, and 8 lounge visits alongside monthly BOGO movie tickets add lifestyle value beyond the base earn rate. It's best suited to spenders whose budget genuinely concentrates in these categories.
Sources & verification
Fees, reward rates, and benefits for the AU Laksya Credit Card are compiled from AU Small Finance Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 7 Aug 2026 . Reviewed by the SarvCred Editorial Team . Always confirm current details on the issuer's site before applying. How we research →
Independence. SarvCred is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for AU Small Finance Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Frequently asked questions
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