AU Laksya Credit Card
- Updated On: 4 June, 2026
The AU Small Finance Bank Laksya Credit Card is a good option for people who want rewards on their daily spending without paying a very high annual fee. The card has a joining and annual fee of ₹1,000 + GST, which is reasonable compared to many premium credit cards.
This card is mainly useful for everyday expenses like grocery shopping, department store purchases, and contactless payments. Users can later redeem these reward points for shopping, vouchers, travel bookings, and more. Apart from rewards, cardholders can enjoy discounts on partner brands like Amazon Fresh and Amazon Now, and movie offers on the District.
For people who travel occasionally, the card also provides complimentary airport lounge access after meeting the required spending condition. Another good thing is that the annual fee can be waived if the user spends a certain amount in a year, making the card more affordable for regular users.
AU Laksya Credit Card
( 3.4 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
5 Reward Points/₹100 spent on Grocery, Departmental Stores, and Contactless Payments, 2 Reward Points/₹100 Spent on All Other Retail Spends, and 1 Reward Point/₹100 Spent on Insurance, Utility & Telecom Spends
Welcome Benefits
Brand Vouchers Worth ₹1000 or 4,000 Reward Points
Rewards and Benefits
Movie & Dining
Buy-One-Get-One Movie ticket Free with the District App (cashback up to ₹250 monthly)
Rewards Rate
5 Reward Points/₹100 spent on Grocery, Departmental Stores, and Contactless Payments, 2 Reward Points/₹100 Spent on All Other Retail Spends, and 1 Reward Point/₹100 Spent on Insurance, Utility & Telecom Spends
Reward Redemption
Redeem Reward Points for E-Vouchers, Merchandise, and Flight/Hotel Bookings. 1 RP = ₹0.25
Travel
N/A
Domestic Lounge Access
8 Domestic Lounge Visits Per Calendar Year (Max 2 Per Quarter)
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
Annual Charges Waived on Spends of ₹2 Lakh
Rewards Redemption Fee
₹99 + GST
Foreign Currency Markup
3.49%
Interest Rates
3.75% Per Month (45% Per Annum)
Fuel Surcharge Waiver
1% Surcharge on Fuel Spends ₹400 – ₹5,000 Across India (Maximum ₹150 Per Statement Cycle)
Cash Advance Charges
2.5% of the Amount Withdrawn (Minimum ₹500)
Product Details
- Earn up to 5 Reward Points per ₹100 on grocery, departmental, and contactless spends.
- Get brand vouchers worth ₹1,000 or 4,000 Reward Points as a welcome benefit.
- Enjoy monthly movie, Zomato, and Amazon Fresh discount offers.
- Complimentary 8 domestic airport lounge visits every year.
- 1% fuel surcharge waiver on fuel transactions across India.
Pros/Cons
Pros
- The welcome benefit effectively offsets the joining fee, while additional perks such as movie discounts, grocery offers, lounge access, and fuel surcharge waiver further enhance the card’s overall value.
Cons
- The reward rate is decent, though not as good as other cards in the same ₹1,000 fee range.
Welcome Benefits
Get welcome benefits worth ₹1,000 in the form of brand vouchers or choose 4,000 Reward Points after activating the card and making your first successful transaction within 30 days of card issuance.
Accelerated Reward Points
The AU Laksya Credit Card offers accelerated rewards on everyday spending categories. Cardholders can earn 5 Reward Points for every ₹100 spent on groceries, departmental stores, and contactless payments. On other retail transactions, the card gives 2 Reward Points per ₹100 spent, while insurance, utility, and telecom payments earn 1 Reward Point for every ₹100 spent.
Partner Privileges
Movie Benefit
Cardholders can get one extra movie ticket free on booking at least two tickets in a single transaction. The offer works once every month with a minimum booking amount of ₹250, and the discount goes up to ₹250. To use it, you simply need to apply the promo code AULAKSHYA250 while booking on the District app or website and make the payment using the AU Laksya Credit Card.
Discount on Food Delivery
Cardholders can get 15% instant discount on food orders once every month by using the promo code AULAKSHYA15. The offer is applicable on a minimum order value of ₹500, while the maximum discount is capped at ₹250. To avail of the benefit, users simply need to place an order on the Zomato app or website, apply the code before payment, and pay using the AU Laksya Credit Card.
Discount on Grocery Shopping
The AU Laksya Credit Card also gives monthly savings on grocery shopping through Amazon Fresh and Amazon Now. Cardholders can get 15% instant discount on grocery purchases with a minimum order value of ₹500, while the maximum discount is limited to ₹250 per month. To use the offer, customers simply need to shop through the Fresh or Now section on the Amazon app or website and pay using the AU Laksya Credit Card.
Airport Lounge Access
The card also includes complimentary domestic airport lounge access, which can be useful for frequent travelers. Cardholders can enjoy up to 8 lounge visits in a calendar year, with a maximum of 2 visits per quarter. However, to be eligible for complimentary lounge access in the following calendar quarter, AU Credit Cardholders must spend at least ₹50,000 in the current calendar quarter.
Fuel Surcharge Waiver
The AU Laksya Credit Card offers a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 across India. The maximum waiver is capped at ₹150 during each statement cycle.
Bottom Line
The AU Laksya Credit Card is more of a practical everyday card than a premium lifestyle option. It offers decent benefits on common spending categories like groceries, dining, shopping, and movies, while also offering extra benefits such as lounge access and fuel surcharge waiver.
However, considering the annual fee, the overall reward rate, and premium benefits still feel somewhat limited when compared to a few competing cards in the same segment. Because of that, users expecting stronger returns or more premium features may find the card not worth it. Still, for someone looking for a simple credit card with regular-use benefits and easy-to-understand rewards, it remains a good option.
FAQs:
What is the joining and annual fee for the AU Laksya Credit Card?
The card comes with a joining fee of ₹1,000 + GST and an annual fee of ₹1,000 + GST.
What welcome benefits do cardholders get?
New cardholders can choose between brand vouchers worth ₹1,000 or 4,000 Reward Points after activating the card and making the first transaction within 30 days of card issuance.
What is the value of 1 Reward Point?
One Reward Point is worth ₹0.25 during redemption.
How can Reward Points be redeemed?
Reward Points can be redeemed for e-vouchers, merchandise, flight bookings, and hotel bookings through the AU rewards portal.
Does the card offer airport lounge access?
Yes, the card offers 8 complimentary domestic airport lounge visits every calendar year, with a maximum of 2 visits allowed per quarter.