Groceries and lifestyle
AU Laksya Credit Card
An AU card for everyday spending: 1.25% back on groceries, department stores and tap-to-pay, monthly buy-one-get-one movies and domestic lounges.
Joining fee₹1,000 + GST
Annual fee₹1,000 + GST
Fee waiverOn ₹2 lakh spend a year
Top reward5 points per ₹100 on groceries and tap-to-pay
Lounge8 domestic a year (spend-based)
Forex markup3.49%
Best for: Families who spend ₹10,000 to ₹30,000 a month on groceries and shopping and watch movies often.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Groceries and department stores | 5 points per ₹100 (about 1.25%) | 1,000 points a cycle |
| Contactless tap-to-pay | 5 points per ₹100 | No cap |
| Other spends | 2 points per ₹100 (about 0.5%) | – |
| Insurance, utilities, telecom | 1 point per ₹100 | 100 points a transaction |
| Fuel, rent, education, government, EMI, transport | Nothing | – |
- 1 point = about ₹0.25.
Benefits
Welcome benefit
- 4,000 bonus points or a ₹1,000 brand voucher.
Milestones
- Annual fee waived on ₹2 lakh spend.
Travel and lounges
- 8 domestic lounge visits a year (2 a quarter), each needing ₹50,000 spend in the previous quarter.
Fuel and forex
- 1% fuel surcharge waiver up to ₹150.
- Forex markup 3.49%.
Other perks
- Buy one get one movie tickets every month
- 15% off at partner merchants
Fees and charges
| Joining fee | ₹1,000 + GST (₹1,180) |
|---|---|
| Annual fee | ₹1,000 + GST, waived on ₹2 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3.49% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried: age 21 to 60
- Self-employed: age 25 to 65
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Monthly movie offer
- Uncapped 1.25% on tap-to-pay
- Welcome benefit covers the fee
Watch out for
- Grocery rewards capped
- Lounges need quarterly spend
- High forex markup
Recent changes
- 1 Jul 2026Fuel fair-usage rules tightened.
- 14 Jun 20261% charge on high transport spends.
- 4 May 2026Card launched.
Frequently asked questions
Does AU Laksya give free movie tickets?
Yes, a buy-one-get-one movie offer every month.
Ready to apply for the AU Laksya Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.