Travel on Points

AU Laksya Credit Card

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  • Joining fee

    ₹1,000 + GST

  • Annual fee

    ₹1,000 + GST

  • Best suited for

    Shopping

  • Reward type

    Reward Points

Rewards

  • Rewards rate

    5 Reward Points/₹100 spent on Grocery, Departmental Stores, and Contactless Payments, 2 Reward Points/₹100 Spent on All Other Retail Spends, and 1 Reward Point/₹100 Spent on Insurance, Utility & Telecom Spends

  • Welcome benefits

    Brand Vouchers Worth ₹1000 or 4,000 Reward Points

  • Reward redemption

    Redeem Reward Points for E-Vouchers, Merchandise, and Flight/Hotel Bookings. 1 RP = ₹0.25

Benefits

  • Movie & dining

    Buy-One-Get-One Movie ticket Free with the District App (cashback up to ₹250 monthly)

  • Domestic lounge

    8 Domestic Lounge Visits Per Calendar Year (Max 2 Per Quarter)

Fees & charges

  • Spend-based waiver

    Annual Charges Waived on Spends of ₹2 Lakh

  • Rewards redemption fee

    ₹99 + GST

  • Foreign currency markup

    3.49%

  • Interest rates

    3.75% Per Month (45% Per Annum)

  • Fuel surcharge waiver

    1% Surcharge on Fuel Spends ₹400 – ₹5,000 Across India (Maximum ₹150 Per Statement Cycle)

  • Cash advance charges

    2.5% of the Amount Withdrawn (Minimum ₹500)

Product highlights

  • Earn up to 5 Reward Points per ₹100 on grocery, departmental, and contactless spends.
  • Get brand vouchers worth ₹1,000 or 4,000 Reward Points as a welcome benefit.
  • Enjoy monthly movie, Zomato, and Amazon Fresh discount offers.
  • Complimentary 8 domestic airport lounge visits every year.
  • 1% fuel surcharge waiver on fuel transactions across India.

Pros & cons

Pros

  • The welcome benefit effectively offsets the joining fee, while additional perks such as movie discounts, grocery offers, lounge access, and fuel surcharge waiver further enhance the card’s overall value.

Cons

  • The reward rate is decent, though not as good as other cards in the same ₹1,000 fee range.

FAQs

What is the joining and annual fee for the AU Laksya Credit Card?

The card comes with a joining fee of ₹1,000 + GST and an annual fee of ₹1,000 + GST.

What welcome benefits do cardholders get?

New cardholders can choose between brand vouchers worth ₹1,000 or 4,000 Reward Points after activating the card and making the first transaction within 30 days of card issuance.

What is the value of 1 Reward Point?

One Reward Point is worth ₹0.25 during redemption.

How can Reward Points be redeemed?

Reward Points can be redeemed for e-vouchers, merchandise, flight bookings, and hotel bookings through the AU rewards portal.

Does the card offer airport lounge access?

Yes, the card offers 8 complimentary domestic airport lounge visits every calendar year, with a maximum of 2 visits allowed per quarter.