All cards / AU Small Finance Bank
AU Laksya Credit Card
A mid-tier card from AU's 2026 four-card portfolio, targeted at digitally-active professionals with accelerated rewards on groceries and everyday contactless spends.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: 2 complimentary domestic airport lounge visits per quarter (8/year) on ₹50,000+ prior-quarter spend
Benefits by category
- 🛒 Groceries
1.25% reward rate
- 🌍 Forex / international spend
3.49% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹40,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Rewards redemption fee: ₹99 + GST per redemption request
- Foreign currency markup: 3.49%
- Interest rate: 45% p.a.
- Fuel surcharge waiver: 1% fuel surcharge refund on transactions between ₹400 and ₹5,000, maximum ₹150 per statement month
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction
Benefits
- 4,000 Bonus Reward Points or a ₹1,000 brand voucher on activation and 1st transaction within 30 days
- 5X points on groceries, departmental stores and contactless payments
Pros
- + 5X points on groceries and departmental stores
- + Choice of points or voucher as welcome bonus
- + Accessible income eligibility
Cons
- − No lounge access
- − No stated annual-fee waiver on spend
- − Low reward rate outside bonus categories