Laksya
AU Small Finance Bank · Credit card

Laksya

A credit card from AU Small Finance Bank. Facts below come from the issuer's own documents. Network: Visa.

Laksya card artwork
Annual fee
₹1,000
Fee waiver
Spend ₹2,00,000 a year
Rewards
  • Grocery purchases/Department stores and Contactless (Tap & Pay) transactions 5 Reward Points per ₹100
  • All other retail spends 2 Reward Points per ₹100
  • Insurance, utility, and telecom spends 1 Reward Point per ₹100

Benefits & rewards

Issuer information
Rewards
  • Grocery purchases/Department stores and Contactless (Tap & Pay) transactions 5 Reward Points per ₹100
  • All other retail spends 2 Reward Points per ₹100
  • Insurance, utility, and telecom spends 1 Reward Point per ₹100
Reward cap
1000 Reward Points per statement cycle on Grocery and Departmental stores — none on Contactless/Tap and Pay
Lounge access
Included
Does not earn on
Cash, rent, education, government, EMI, fuel, BBPS, transportation, quasi cash.
Read the issuer's benefit terms ↗

Fees, eligibility & repayment

Issuer information
Annual fee
₹1,000
Joining fee
₹1,000
Fee waiver
Spend ₹2,00,000 in a year
Foreign purchases
3.5% markup on international spends
Eligibility
Salaried or self-employed · Age 21+ · Income ₹21 salaried · ₹25 self-employed
Repayment
Pay the full statement balance to avoid interest; interest and late fees follow the issuer's schedule of charges.

What changed

Issuer information

Differences found when this card's published terms were re-verified against AU Small Finance Bank's own pages. Only independently approved changes appear here.

  1. Fee waiver spend
    Newly listed
    ₹2,00,000

    Fee waiver spend is now listed as ₹2,00,000

    Verified 23 Sep 2026 · issuer page

Cardholder experience

Experience notes

No admissible cardholder observations are on file for this card yet. Nothing is invented to fill the gap.

Offers on this card

No verified offer currently names this exact card. Offers from the same bank for other cards are not assumed to apply.