In-depth review
AU Laksya Credit Card
A mid-tier everyday-and-family card that pays 5 reward points per ₹100 (~1.25%) on groceries, departmental stores and contactless spends — grocery/departmental capped at 1,000 points a cycle — with 8 domestic airport lounge visits a year (2 a quarter, unlocked by ₹50,000 previous-quarter spend) and buy-one-get-one movie tickets each month. Off-category retail earns 2 points per ₹100 (~0.5%). The ₹1,000 fee waives on ₹2,00,000 of annual spend, so it isn't free, but it's easy to justify for a grocery-heavy household.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,000 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
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
8 domestic lounge visits per calendar year (max 2 per quarter), each quarter's visits unlocked by ₹50,000 spend in the previous quarter
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
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- Buy-one-get-one movie tickets each month plus flat 15% off at partner merchants
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
8 visits/yr
Domestic lounges
₹4,000
Estimated annual value
3.49%
Forex markup
- Domestic airport lounge access (8 domestic visits/yr, worth ~₹4,000)
For households that spend heavily on groceries and departmental stores and want lounge access plus everyday entertainment perks (movies, partner discounts) on a moderate fee.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Groceries | reward points | 1.25%5 pts/₹100 × ₹0.25 | ₹250 |
| Other | reward points | 0.5%2 pts/₹100 × ₹0.25 | — |
| Insurance | reward points | 0.25%1 pts/₹100 × ₹0.25 | — |
| Utility Bills | reward points | 0.25%1 pts/₹100 × ₹0.25 | — |
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
Other: 2 reward points per ₹100 on all other retail spends (~0.50%)
Insurance: 1 reward point per ₹100 on insurance, utility and telecom spends (~0.25%), capped at 100 reward points per transaction
Utility Bills: 1 reward point per ₹100 on insurance, utility and telecom spends (~0.25%), capped at 100 reward points per transaction
Earns nothing on: Fuel · Rent · Education · Government & Tax · EMI Conversions · Cash Advances · BBPS · Transportation MCCs (Apr 2026) · Quasi-cash
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| 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
Estimated annual value beyond rewards — ~₹7,000/yr in total.
8 domestic lounge visits per calendar year (max 2 per quarter), each quarter's visits unlocked by ₹50,000 spend in the previous quarter
Buy-one-get-one movie tickets each month plus flat 15% off at partner merchants
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
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Groceries (1.25% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- 5 points per ₹100 on grocery, departmental and contactless spends
- 8 lounge visits a year plus monthly BOGO movie tickets
- 4,000-point (or ₹1,000 voucher) welcome benefit
- Zero processing fee on Xpress EMI conversions
✕ Cons
- Grocery/departmental earn is capped at 1,000 points a statement cycle
- Each quarter's 2 lounge visits need ₹50,000 spend in the previous quarter
- Fuel, rent, education, government, EMI and cash spends earn nothing
Eligibility & documents
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
Ways to convert what you earn into real 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
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
The headline grocery earn is capped at 1,000 points a statement cycle (₹20,000 of spend), and each quarter's 2 lounge visits unlock only on ₹50,000 of previous-quarter spend.
Frequently asked questions
What does the AU Laksya earn?
What lifestyle perks does it include?
What is the fee and how is it waived?
How has the AU Laksya Credit Card changed over time?
Has the AU Laksya Credit Card been devalued recently?
When did the AU Laksya Credit Card's fees last change?
How did the AU Laksya Credit Card change in 2026?
The bottom line
A solid everyday-and-family card. The 5-points-per-₹100 on grocery and shopping is genuinely useful for household budgets, and 8 lounge visits with monthly BOGO movies give it lifestyle appeal beyond raw earn. It rewards people whose spend actually concentrates in those categories.
How this page was built
Counted from this card’s own record: 4 earn rules, 1 of them capped, the spends listed as earning nothing and 3 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the AU Laksya Credit Card are taken from AU Small Finance Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor 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.
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Guides and reviews related to this card.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2026 · last change Jul 2026
2026
- ▼ FeeEffective 1 Jul 2026
Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate
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
From 1 July 2026 AU tightened its fuel fair-usage charge: the trigger dropped from ₹50,000 of aggregate fuel spend in a calendar month to ₹25,000 (or a single fuel transaction above ₹10,000), and the 1% charge is now levied on the entire aggregate fuel spend for the month rather than the portion above the threshold. Fair-usage charges do not apply to international transactions. The complimentary fuel-surcharge waiver bands are unchanged.
Verification: AU Small Finance Bank ↗ · Confidence: High
- ▼ FeeEffective 14 Jun 2026
New 1% fair-usage charge on transportation spends
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
From 14 June 2026 AU levies a 1% fair-usage charge when aggregate transportation spends (MCC 4111, 4112 and 4784 — local commuter transport, passenger rail and tolls) in a calendar month exceed 50% of the credit limit or ₹25,000, whichever is lower. The charge applies to the entire aggregate transportation spend for the month, not just the excess. IRCTC and select marquee travel partners are excluded, international transactions are out of scope, and AU exempts the ixigo AU co-brand variants entirely. This charge is separate from (and adds to) the April 2026 removal of reward-point earning on transportation MCCs.
Verification: AU Small Finance Bank ↗ · Confidence: High
- ◆ LaunchEffective 4 May 2026
AU Laksya launches as part of a four-card cluster
AU Small Finance Bank launched Laksya alongside Ananta, Tejas and Prathama as a mid-tier household-spend card: ₹1,000+GST fee (waived on ₹2,00,000 annual spend), up to 5 reward points per ₹100 on grocery/departmental/contactless spends, a 4,000-point (or ₹1,000 voucher) welcome benefit, and 8 domestic lounge visits a year gated on ₹50,000 quarterly spend.
Verification: AU Small Finance Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/au-laksya#value-timeline">AU Laksya Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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