shoppingLifestyleVisaMidActive
AU Laksya Credit Card
AU Small Finance Bank
Joining Fee₹1,000Renewal Fee₹1,000Waived at ₹2,00,000 annual spend
Last verified: 26 Sept 2026
Reward Program
AU Reward Points1 point = ₹0.25
| Category | Earn Rate | Monthly Cap |
|---|---|---|
grocery | 1.25% | No cap |
shopping | 1.25% | No cap |
| All other spends | 0.5% | No cap |
Redemption fee: 99
🔁
Managed via AU Rewardz
Transfer partners
AU Rewardz general redemption at 1 Reward Point = ₹0.25 — the strict Rule 5 maximum.Gift cards, vouchers and e-vouchers at 1 Reward Point = ₹0.20 — a SEPARATE and worse channel, 20% below the general rate, applicable to all AU card variants.₹99 + GST is charged on EVERY successful redemption, whichever channel is used.
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Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹150 per statement month. AU sets this cap per variant across the range, from ₹100 on the entry cards to ₹1,000 on Zenith and Zenith+. The surcharge is levied by the acquiring bank, so the charge slip and the statement will differ; the waiver excludes GST, which is not reversed.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
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Fees & Charges
| Joining Fee | ₹1,000/yr |
| Renewal Fee | ₹1,000/yr |
| Fee Waiver | Spend ₹2,00,000/year |
| Forex Markup | 3.49% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Reward Redemption Fee | 99 |
