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AU Lakshya Credit Card Review
The short version. Lakshya is AU’s mid-tier lifestyle card — a step below Ananta on travel but strong on everyday food, grocery and entertainment perks. For someone spending ₹1.5–2 lakh a year who eats out, orders in and watches movies, it packs good value into a modest ₹1,000 fee.
Fees & charges
| Charge | Detail |
|---|---|
| Joining / annual fee | ₹1,000 + GST |
| Fee waiver | On annual spends of ₹2,00,000 |
| Forex markup | 3.49% + GST |
| Welcome benefit | 4,000 bonus points or a ₹1,000 brand voucher on activation |
| Fuel surcharge waiver | 1% on transactions of ₹400–₹5,000 |
| Airport lounge | 8 complimentary domestic visits per year |
Rewards & benefits
Lakshya rewards the eat-out-and-entertainment crowd:
- Welcome: 4,000 bonus reward points or a ₹1,000 brand voucher on activation.
- 15% instant discount at select partners including Zomato (up to ₹250 off, once a month) and Amazon Fresh/Now (up to ₹250 off, once a month).
- 8 complimentary domestic lounge visits per year.
- Buy-one-get-one free movie ticket every month on the District platform.
Eligibility & documents
AU Small Finance Bank typically requires applicants to be resident Indians (salaried or self-employed) within the bank’s age and income norms, with standard KYC (PAN and Aadhaar/address proof). Existing AU customers can often see pre-approved offers in the AU 0101 app. Exact income eligibility varies by variant — the premium cards need a higher income than the entry cards.
Who it’s for
Where it shines
- Strong dining, grocery and movie perks for a ₹1,000 fee
- Choice of points or voucher as welcome benefit
- 8 lounge visits/year is generous at this tier
- Monthly BOGO movie ticket is easy recurring value
Where it falls short
- Forex markup 3.49% is ordinary — not for heavy travellers
- Category discounts are capped (₹250/month each)
- Fewer travel perks than Ananta
How it compares
Lakshya slots between the entry-level Tejas and the premium Ananta. If your spending is food, grocery and entertainment rather than travel, Lakshya is the better-fit AU card; if you fly often and spend abroad, step up to Ananta for the 1.99% forex and quarterly lounge access. Compare with our best cashback credit cards roundup too.
Verdict
Lakshya is a well-judged mid-tier lifestyle card. The monthly BOGO movie ticket, dining and grocery discounts and eight lounge visits comfortably justify the ₹1,000 fee for a regular spender. Our score: 7.5/10.
Frequently asked questions
What is the AU Lakshya annual fee?
₹1,000 + GST, waived on annual spends of ₹2,00,000.
What is the welcome benefit?
Your choice of 4,000 bonus reward points or a ₹1,000 brand voucher on activation.
How many lounge visits does Lakshya include?
Eight complimentary domestic airport lounge visits per year.
Does Lakshya have a movie benefit?
Yes — a buy-one-get-one-free movie ticket every month on the District platform.