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Laksya Credit Card

Laksya Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
AU Small Finance Bank Visa Mid

Annual Fee

₹1000

Base Rate

2.0%

Reward Type

Points

Overview

The Laksya Credit Card is a Mid credit card issued by AU Small Finance Bank on the Visa network. It offers a base reward rate of 2.0% on all spends, with rewards issued as Points(1 pt = ₹0.25).

Annual Fee: ₹1,000
Eligibility: Salaried: 21-60 years, Self-Employed: 25-65 years. Must be a Resident Indian. Income/CIBIL requirements are not published.

Reward Rates & Cashback Rules

  • CATEGORY – Grocery: 5.0% cashback | monthly cap ₹250.0 ⚠️ Cap of 1,000 Reward Points per month is shared with Departmental Stores.
  • CATEGORY – Departmental Stores: 5.0% cashback | monthly cap ₹250.0 ⚠️ Cap of 1,000 Reward Points per month is shared with Grocery.
  • CATEGORY – Contactless: 5.0% cashback
  • CATEGORY – Insurance: 1.0% cashback
  • CATEGORY – Utilities: 1.0% cashback (capped ₹25.0/txn) ⚠️ Reward points are capped at 100 points per transaction.
  • CATEGORY – Telecom: 1.0% cashback (capped ₹25.0/txn) ⚠️ Reward points are capped at 100 points per transaction.
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Education: 0.0% cashback
  • CATEGORY – Government Services: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – BBPS: 0.0% cashback
  • CATEGORY – Quasi-Cash: 0.0% cashback

Key Features & Benefits

  • Airport Lounge Access ✈️: 8 complimentary domestic airport lounge visits per year (2 per quarter).
  • Fuel Surcharge Waiver ⛽: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹150 per statement cycle.
  • Welcome Benefit 🎁: Choice of a brand voucher worth ₹1,000 or 4,000 Reward Points on first transaction within 30 days.
  • Zomato Discount 🍔: 15% off on food orders, up to ₹250 per month. Min. transaction ₹500. Use code AULAKSHYA15.
  • Movie Ticket Offer 🎬: Buy-One-Get-One movie ticket on District App, up to ₹250 per month. Use code AULAKSHYA250.
  • Zero Fee EMI 💳: No processing fee on converting transactions of ₹2,000 or more into Xpress EMI.

Eligibility Criteria

Salaried: 21-60 years, Self-Employed: 25-65 years. Must be a Resident Indian. Income/CIBIL requirements are not published.

Features & Benefits

✈️

Airport Lounge Access

8 complimentary domestic airport lounge visits per year (2 per quarter).

⛽

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹150 per statement cycle.

🎁

Welcome Benefit

Choice of a brand voucher worth ₹1,000 or 4,000 Reward Points on first transaction within 30 days.

🍔

Zomato Discount

15% off on food orders, up to ₹250 per month. Min. transaction ₹500. Use code AULAKSHYA15.

🎬

Movie Ticket Offer

Buy-One-Get-One movie ticket on District App, up to ₹250 per month. Use code AULAKSHYA250.

💳

Zero Fee EMI

No processing fee on converting transactions of ₹2,000 or more into Xpress EMI.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Grocery
Reward: 5.0% Monthly Cap: ₹250.0
⚠️ Exceptions: Cap of 1,000 Reward Points per month is shared with Departmental Stores.
5%
Departmental Stores
Reward: 5.0% Monthly Cap: ₹250.0
⚠️ Exceptions: Cap of 1,000 Reward Points per month is shared with Grocery.
5%
Contactless
Reward: 5.0%
5%
Insurance
Reward: 1.0%
1%
Utilities
Reward: 1.0% Max per TX: ₹25.0
⚠️ Exceptions: Reward points are capped at 100 points per transaction.
1%
Telecom
Reward: 1.0% Max per TX: ₹25.0
⚠️ Exceptions: Reward points are capped at 100 points per transaction.
1%
Rent Exclusion
Education Exclusion
Government Services Exclusion
EMI Exclusion
Fuel Exclusion
BBPS Exclusion
Quasi-Cash Exclusion

Value Chart

Assuming basic spends for Laksya Credit Card

Category Laksya Credit Card Axis Bank Privilege Credit Card Samsung Axis Bank Signature Credit Card HDFC Bank BizPower Credit Card
₹
Joining Fee 		₹1000 ₹0 ₹0 ₹0
₹
Annual Fee 		₹1000
Waived on spending ₹2,00,000 in the previous card anniversary year.
 ₹1500 ₹500 ₹2500
🌍
Forex Markup 		3.49% 3.5% 3.5% 3.5%
%
Base Rate 		2.0% 5.0% 5.0% 2.67%
★
Known Rules 		13 rules 7 rules 10 rules 12 rules

Pros & Cons

✓

Pros

  • + Grocery — 5.0% Points (cap ₹250.0)
  • + Departmental Stores — 5.0% Points (cap ₹250.0)
  • + Contactless — 5.0% Points
  • + Insurance — 1.0% Points
  • + Utilities — 1.0% Points
  • + Airport Lounge Access
  • + Fuel Surcharge Waiver
  • + Welcome Benefit
  • + Zomato Discount
✗

Cons

  • − No reward on Rent
  • − No reward on Education
  • − No reward on Government Services
  • − No reward on EMI
  • −Forex markup of 3.49% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹6000

Annual Fee

₹1000

Net Value

+₹5000

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › Regular earners with ₹50k–₹1.5L monthly spends
  • › Those seeking a balance of rewards and moderate fees

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.49% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

One AU Reward Point is worth ₹0.25. They can be redeemed on the AU Rewardz platform for vouchers, merchandise, or travel bookings.

The annual fee of ₹1,000 is waived if you spend ₹2,00,000 or more in the preceding card anniversary year.

Yes, reward points are not earned on Rent, Education, Government services, EMI, Fuel, BBPS, and Quasi-Cash transactions.

The card offers 8 complimentary domestic airport lounge visits per year, with a limit of 2 visits per quarter.

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