1. Home
  3. Card Listing

  5. Card Details

AU Laksya Credit Card

3 from 333 Users

All Card USPs

Enjoy 8 Complimentary Domestic Airport Lounge

visits per calendar year (maximum 2 per quarter) for a relaxed travel experience

Get up to 15% Instant Discount on Food Deliveries via the Zomato

App every month, with a maximum cashback of ₹250 per month

Best For

Shopping

Online Food Ordering

Travel

Joining/Annual Fees

Joining Fees

₹1,180 ( ₹1000 + GST )

4,000 Bonus Reward Points OR ₹1,000 Brand Voucher on card activation and 1st successful transaction within 30 days of card issuance

Annual Fees

₹1,180 ( ₹1000 + GST )

₹2 Lakh retail spends in previous card anniversary year (from 2nd year onwards)

Eligibility

Age Criteria

21-60 years

Salary Criteria

3 LPA

Credit Rating*

720+

See if you are eligible for this card

Pin Code*

​

Monthly In Hand Income*

​₹
​

Income Type*

Salaried
Self

How to redeem?

Rewards Conversion Rate

0.25

Redemption Options

  • E-vouchers
  • Merchandise
  • Flight & Hotel bookings

To check redemption catalogue

Click Here

All Card Benefits

All Benefits

  • Rewards: 5 RP/₹100 on Grocery, Departmental Stores & Contactless; 2 RP/₹100 on all other retail
  • Partner Discounts: 15% off on Zomato (max ₹250/month)
  • 15% off on Amazon Grocery/Amazon Now (max ₹250/month)
  • BOGO movie ticket via District App (max ₹250/month)
  • MakeMyTrip: 2 complimentary domestic flight seats (max ₹350) + 15% off hotels
  • Complimentary Times Prime Annual Membership

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Cash Withdrawals

Rent Payment

Education

Government Spends

EMI Transactions

Fuel

Transportation

Quasi Cash Transactions

For Spends Waiver

Cash Withdrawals

Rent Payment

Education

Government Spends

EMI Transactions

Fuel

Transportation

Quasi Cash Transactions

Bank Fee Structure

StructureDetails
Forex Markups

3.49% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency
Examples (3.5%):
₹100 → ₹3.49
₹1,000 → ₹34.90
₹10,000 → ₹349
₹1,00,000 → ₹3,490

3.49%
APR Fees

Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid

3.75%
ATM Withdrawl

2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)

2.5%
Reward Redemption Fees

₹99 redemption fee per redemption

₹99
Link for all T&Cs
Click Here
Railway Surcharge

A surcharge of 1% is applied to transactions made for booking railway tickets

1%
Rent Payment Fees

No fee is levied on domestic rental transactions made using the credit card. International rental transactions attract 1% of the transaction value, subject to a minimum of ₹99 per transaction

1%
Cheque Payment Fees

A fee of 2% of the payment amount or ₹500

2%
Cash Payment Fees

No fee is charged for credit card bill payment through Cash Deposit mode

Not Applicable
Late Payment Fees

Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared

Amount Due
₹0 - ₹500 ₹0
₹501 - ₹1,000 ₹400
₹1,001 - ₹10,000 ₹750
₹10,001 - ₹25,000 ₹950
₹25,001 - ₹50,000 ₹1100
Above ₹50,000 ₹1300

Apply for this card

TOP USPs

Enjoy 8 Complimentary Domestic Airport Lounge

visits per calendar year (maximum 2 per quarter) for a relaxed travel experience

Get up to 15% Instant Discount on Food Deliveries via the Zomato

App every month, with a maximum cashback of ₹250 per month

Apply Now