Joining Fee:
Apply Now₹1000 +GST
Return Percentage:NA
Credit Card Overview
AU Bank Laksya Credit Card: An entry-level credit card designed for everyday spending with simple rewards, low fees, and basic lifestyle benefits to help build credit efficiently.
Best Suited For:
AU
Fees and charges at a glance
- Annual fee
- ₹1,000
- Joining fee
- ₹1,000
- Forex markup
- 3.49%
Charged every year you keep the card
Paid once when you get the card, plus GST
Extra charge on foreign spends
AU Laksya credit card — Earn Categories
Other categories
- Departmental Stores5 reward points / ₹100
A Cumulative maximum of 1,000 Reward Points can be earned per statement cycle on grocery,departmental stores and online spends.
- Grocery5 reward points / ₹100
A Cumulative maximum of 1,000 Reward Points can be earned per statement cycle on grocery,departmental stores and online spends.
Everyday rate
- Base Rewards2 Reward Points (reward points) / ₹100
4 more earning categories on this card
We track all 7 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- Quasi-Cash
- Rent
- Education
- Government
- EMI
- Fuel
- Transportation & Tolls