All cards / AU Small Finance Bank
AU Small Finance Bank
AU Laksya Credit Card
Visa
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.
Rates and fees last verified 15 July 2026.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Mid
Benefits by category
- 🛒 Groceries
1.25% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹40,000
- Employment: salaried, self-employed
- Age: 21–60
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