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Welcome Benefits
4,000 Bonus Reward Points or ₹1,000 Brand Voucher on card activation*
Accelerated Rewards
Earn up to 5 Reward Points per ₹100 on Grocery, Departmental Stores & Contactless payments.
Partner Privileges
Enjoy a flat 15% off at partner merchants and Buy-One-Get-One Movie Tickets every month.
Airport Lounge Comfort
Enjoy 8 complimentary Domestic Airport Lounge Access for a relaxed travel experience
Zero Processing Fee on Xpress EMI
Convert transactions of a minimum value of ₹2000 into EMI with Zero Processing Fee.
Club up to 20 billed or unbilled transactions for conversion.
Contactless Payments
Make quick, secure payments up to ₹5,000 without entering your PIN by tapping your card or mobile phone with a digitally added card on a POS machine and earn 5 Reward Points on every Rs.100 spent
Add-on Cards
Offer your Credit Card benefits to your loved ones through the lifetime-free add-on card
Fuel Surcharge Waiver
Save 1% surcharge on fuel spends ₹400–₹5,000 across India* (Maximum ₹150 per statement cycle)
AU Rewardz
Redeem your Reward Points for a range of amazing benefits
Things to know
Eligibility
- Primary cardholder age group
- Self Employed: 25 years to 65 years
- Salaried: 21 years to 60 years
- Add-on cardholder
- Should be over 18 years
- Resident Indian
These criteria are only indicative. AU Small Finance Bank reserves the right to approve or decline applications for Credit Card.
Why AU
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National presence
Bank with us through a network of 2,700+ touchpoints .
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Get a bit more
Enjoy quality services at competitive rates.
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Visit branches without the wait
Our ample touchpoints ensure all our customers are conveniently served.
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Superfast app
Manage and track all your transactions on the AU 0101 App.
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Sustained growth
Expanding by every quarter, with a balance sheet of over ₹1 lakh crore.
AU OneTrack
Manage All Your Finances In One Place
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![View All Your Bank Account Balances]()
View All Your Bank Account Balances
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![Enjoy Hassle-Free, Automated Tracking]()
Enjoy Hassle-Free, Automated Tracking
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![Get A Categorised View Of All Transactions]()
Get A Categorised View Of All Transactions
Not sure which product is right for you?
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Personal assistance
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No spam
Customer support
24x7 help
FAQs
What is the joining fee for the AU Laksya Credit Card?
The joining fee for the AU Laksya Credit Card is ₹1,000 + GST. Joining Fees is charged on card activation.
Is there any joining fee waiver available?
No, there is no joining fee waiver on the AU Laksya Credit Card. However, cardholder receives a choice of Welcome Benefit (4,000 Reward Points or ₹1,000 Brand Voucher) on card activation and 1st transaction.
What is the annual fee and how can it be waived?
The annual fee is ₹1,000 + GST. This fee will be waived once Cardholders spend ₹2,00,000 or more in the card anniversary year.
Annual Fees is charged every year on completion of card anniversary if spends criteria is not met.
Card Anniversary Year is the period from the card issuance date/card anniversary date + 364 days. For Example, if your card was issued on 27th April 2026, your card anniversary date will be the same day of the next year, on 27th April 2027.
What is the Welcome Benefit on AU Laksya Credit Card?
Cardholders can choose between 4,000 Bonus Reward Points or a ₹1,000 brand voucher on successful card activation and 1st transaction within 30 days of card issuance.
How can Cardholders earn accelerated Reward Points on this card?
Cardholder can earn 5 Reward Points per ₹100 spent on Grocery purchases/Department stores and Contactless (Tap & Pay) transactions.
Note: Cardholders can earn a maximum of 1000 Reward Points in a card statement cycle on Grocery and Departmental stores spends. There is no maximum capping on Contactless/Tap and Pay transactions
What Reward Points do Cardholders earn on other spending categories?
- 2 Reward Points per ₹100 on all other retail spends
- 1 Reward Point per ₹100 on insurance, utility, and telecom spends
Note: Cardholders will not earn any Reward Points on following categories: Cash, Rent, Education & Govt, EMI, Fuel, BBPS, Transportation and Quasi Cash transactions
What merchant discounts are available on AU Laksya Credit Card?
Cardholders can enjoy 15% instant discounts on groceries via Amazon Fresh, on food delivery via Zomato and Buy One Get One (BOGO) on movies by District
Spend Category | Movies | Grocery | Food Delivery |
Merchant | District App (by Zomato) | Amazon Fresh/Amazon Now | Zomato App |
Max Cashback per month | ₹ 250 | ₹ 250 | ₹ 250 |
Frequency | Once per month | Once per month | Once per month |
Minimum Transaction Amount | ₹ 250 | ₹ 500 | ₹ 500 |
Applicable on Add-ons | Yes | Yes | Yes |
Does the AU Laksya Credit Card offer airport lounge access?
Yes. Cardholders get 8 complimentary domestic lounge visits per year, subject to spends criteria being met. Cardholders will be eligible for 2 complimentary domestic airport Lounge access each quarter on spending ₹50,000 in previous quarter.
Are there any EMI-related benefits?
Yes. There is Zero processing fees on converting eligible transactions into Xpress EMI. Transaction amount needs to be >= ₹ 2,000 for converting the transaction into EMI. Cardholders can also club 20 or more billed or unbilled transactions for converting into EMI. Cardholders can convert other transactions into eazy EMI and can enjoy ongoing Merchant EMI Offe₹
Is fuel surcharge waiver available on AU Laksya Credit Card?
Yes. Cardholders get a 1% fuel surcharge waiver, up to ₹150 per statement cycle.
What all insurance and protection benefits are included with Laksya credit card?
With the Laksya Credit Card, cardholders will get Insurance Coverage, Card Liability Cover, Credit Shield, and Device Protection Plan.
