AU Bank Laksya Credit Card Review
The AU Bank Laksya (sometimes spelled Lakshya) is a mid-tier card launched in 2026. It earns up to 5 points per ₹100 on groceries, department stores and contactless payments, and adds domestic lounge visits and a monthly buy-one-get-one movie offer.
The ₹1,000 fee is waived from year two if you spend ₹2 lakh a year.
- Up to 5 points per ₹100 on groceries, department stores and contactless
- 4,000 bonus points or ₹1,000 voucher on activation
- 8 domestic lounge visits a year
- Buy-one-get-one movie tickets every month
- Zero processing fee on Xpress EMI
- Grocery and department-store points capped per cycle
- Lounge visits reportedly need ₹50,000 previous-quarter spend
- Lower 2 points per ₹100 on other spends
- Fuel waiver capped at ₹150
- About 3.49% forex markup
Fees and charges
| Item | Detail |
|---|---|
| Annual fee | ₹1,000 + GST, waived from year two on ₹2 lakh spend |
| Add-on cards | Free |
| Fuel surcharge waiver | 1% on ₹400–₹5,000, up to ₹150 a cycle |
| Forex markup | About 3.49% |
Rewards: how the card earns
| Spend | Points per ₹100 |
|---|---|
| Groceries, department stores, contactless | Up to 5 (cap per cycle applies) |
| Other spends | About 2 |
AU does not publish a fixed point value; check the redemption catalogue.
Other benefits
| Benefit | Detail |
|---|---|
| Welcome | 4,000 bonus points or a ₹1,000 brand voucher on activation |
| Lounges | 8 domestic visits a year |
| Movies | Buy-one-get-one tickets every month |
| Discounts | 15% off at partner merchants |
| EMI | Zero processing fee on Xpress EMI |
Eligibility
Issuer
AU Small Finance Bank
Age
Salaried 21–60; self-employed 25–65
Documents
PAN, Aadhaar, income proof
Who this card is for
- Good fit: families with steady grocery and contactless spending who want domestic lounges and movie offers.
- Skip if: you spend under ₹2 lakh a year — the fee will not be waived.
Alternatives worth comparing
Final verdict
A well-rounded mid-tier card for grocery and everyday contactless spending, with useful lounge and movie perks once the fee is waived.
Frequently asked questions
What is the AU Laksya fee?
₹1,000 + GST a year, waived from year two on ₹2 lakh spend.
Which spends earn 5X?
Groceries, department stores and contactless payments, up to a cap per cycle.
What is the welcome benefit?
4,000 bonus points or a ₹1,000 brand voucher on activation.
How many lounge visits do I get?
8 domestic visits a year.
Is it spelled Laksya or Lakshya?
AU Bank spells it Laksya.
Last verified: October 2026, against AU Small Finance Bank’s product page and notices. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.