AU

AU Laksya Credit Card

Apply for AU Laksya Credit Card and earn 5X rewards on grocery, enjoy 8 lounge visits & save 15% on Zomato. Best for everyday spenders

ShoppingOnline Food OrderingTravel
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Issued by

AU

AU Laksya Credit Card image
Joining Fee₹1000
Annual Fee₹1000
Income₹25000
Credit Score720

Key Highlights

Travel

Enjoy 8 Complimentary Domestic Airport Lounge

visits per calendar year (maximum 2 per quarter) for a relaxed travel experience

Online Food Ordering

Get up to 15% Instant Discount on Food Deliveries via the Zomato

App every month, with a maximum cashback of ₹250 per month

Shopping

Earn 5 Reward Points per ₹100 spent on Grocery

and Departmental Stores, making everyday shopping more rewarding. Also get Buy-One-Get-One movie tickets via District App (max ₹250/month)

Enjoy 8 Complimentary Domestic Airport Lounge

visits per calendar year (maximum 2 per quarter) for a relaxed travel experience

Get up to 15% Instant Discount on Food Deliveries via the Zomato

App every month, with a maximum cashback of ₹250 per month

Eligibility

Age Criteria21-60
Credit Score720
Salaried Income₹3 LPA
Self-employed Income₹3 LPA
Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹1000
Joining Fee Offset4,000 Bonus Reward Points OR ₹1,000 Brand Voucher on card activation and 1st successful transaction within 30 days of card issuance
Annual Fee₹1000
Annual Fee Waiver₹2 Lakh retail spends in previous card anniversary year (from 2nd year onwards)
Estimated Annual Saving₹14000

Rewards & Redemption

Reward Conversion0.25
Redemption Options
  • E-vouchers
  • Merchandise
  • Flight & Hotel bookings
Earning ExclusionsCash Withdrawals, Rent Payment, Education, Government Spends, EMI Transactions, Fuel, Transportation, Quasi Cash Transactions
Spend ExclusionsCash Withdrawals, Rent Payment, Education, Government Spends, EMI Transactions, Fuel, Transportation, Quasi Cash Transactions

Benefits

All Benefits

  • Rewards: 5 RP/₹100 on Grocery, Departmental Stores & Contactless; 2 RP/₹100 on all other retail
  • Partner Discounts: 15% off on Zomato (max ₹250/month)
  • 15% off on Amazon Grocery/Amazon Now (max ₹250/month)
  • BOGO movie ticket via District App (max ₹250/month)
  • MakeMyTrip: 2 complimentary domestic flight seats (max ₹350) + 15% off hotels
  • Complimentary Times Prime Annual Membership

Welcome Benefits

  • On card activation and 1st successful transaction within 30 days of card issuance, the cardholder receives either, 4,000 Bonus Reward Points
  • ₹1,000 Brand Voucher Cardholders will receive communication via SMS/Email to claim the welcome benefit

Flight Benefits

  • Visa Cardholders MakeMyTrip 2 Complimentary Domestic Flight Seats (maximum value ₹350 per seat)
  • Flat 15% off on hotel bookings via MakeMyTrip

Airport Lounge Benefits

  • 8 Complimentary Domestic Airport Lounge visits per calendar year, maximum 2 visits per quarter 

Movie Ticket Benefits

  • Buy-One-Get-One (BOGO) complimentary movie ticket every month via District App maximum cashback of ₹250 per month, applicable on District App bookings only

Fuel Surcharge Wavier Benefits

  • 1% Fuel Surcharge Waiver on fuel transactions between ₹400 and ₹5,000 across all fuel stations in India, maximum waiver of ₹150 per statement cycle
  • Applicable at all petrol pump networks (HP, IOCL, BPCL, Shell, etc.)

Insurance Benefits

  • Complimentary insurance cover is included with this card as per AU Small Finance Bank's credit card policy

Bank Offer

  • Amazon Grocery/Amazon Now Up to 15% instant discount every month (max cashback ₹250/month)
  • Zomato Food Delivery Up to 15% instant discount every month (max cashback ₹250/month)
  • Times Prime Complimentary Annual Times Prime Membership (for Visa cardholders)
  • Alaya Stays Stay 3 nights, pay for 2 nights + 50% off on the 2nd night (for Visa cardholders)
  • Xpress EMI Zero Processing Fee on EMI conversion for transactions ≥ ₹2,000 (up to 20 transactions)

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
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