Welcome Benefit: 4,000 reward points on card activation and undertaking the 1st transaction within first 30 days or brand voucher worth INR 1,000.
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Laksya Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: 4,000 reward points on card activation and undertaking the 1st transaction within first 30 days or brand voucher worth INR 1,000.
Milestone Benefits
Milestone Benefit: Annual fee waiver if the annual spends in the previous year are greater than INR 1,00,000.
Cashback Rate
User will get 15% cashback on Amazon Now on grocery every month upto INR 250.
Amazon Now Cashback Rate: 15%.
User will get 15% cashback on food delivery on Zomato every month upto INR 250.
Zomato Cashback Rate: 15%.
Users will get 5 reward points of spend of every INR 100 on grocery, departmental store and contactless payment.
Value of 1 reward point is INR 0.25.
Grocery+ Cashback Rate: 1.25%.
User will get 2 reward point on all other retail spends on spending INR 100.
General Cashback Rate: .5%. User will get 1 reward point on utility, insurance and telecom spends.
Utility+ Cashback Rate: 0.25%.
Movie Benefits
Buy one get one free movie ticket upto INR 250 on booking ticket via District App.
Dining Benefits
None.
Other Benefits
Fuel Surcharge: 1%, waived for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (Maximum cashback INR 150 per statement cycle).
Lounge Access
8 Free domestic airport lounge visits per year in order to be eligible for this cardholder needs to spend INR 50,000 in the previous quarter.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: 4,000 reward points on card activation and undertaking the 1st transaction within first 30 days or brand voucher worth INR 1,000.
Milestone Benefits
Milestone Benefit: Annual fee waiver if the annual spends in the previous year are greater than INR 1,00,000.
Cashback Rate
User will get 15% cashback on Amazon Now on grocery every month upto INR 250.
Amazon Now Cashback Rate: 15%.
User will get 15% cashback on food delivery on Zomato every month upto INR 250.
Zomato Cashback Rate: 15%.
Users will get 5 reward points of spend of every INR 100 on grocery, departmental store and contactless payment.
Value of 1 reward point is INR 0.25.
Grocery+ Cashback Rate: 1.25%.
User will get 2 reward point on all other retail spends on spending INR 100.
General Cashback Rate: .5%. User will get 1 reward point on utility, insurance and telecom spends.
Utility+ Cashback Rate: 0.25%.
Movie Benefits
Buy one get one free movie ticket upto INR 250 on booking ticket via District App.
Dining Benefits
None.
Other Benefits
Fuel Surcharge: 1%, waived for fuel transactions done between INR 400 and INR 5,000, across all fuel stations in the country (Maximum cashback INR 150 per statement cycle).
Lounge Access
8 Free domestic airport lounge visits per year in order to be eligible for this cardholder needs to spend INR 50,000 in the previous quarter.
Fees & Charges of
Laksya Credit Card
Joining Fee
INR 1,000
Annual Fee
INR 1,000
Cash Advance Fee
Cash Advance Charges: 2.5% of amount withdrawn, subject to a minimum of INR 100.
Interest rate
Interest Rate: 3.49% per month (41.88% annually)
Late Payment Fee
Late Payment fees: 15% of the due amount ranging from INR 0 to INR 1300 for outstanding amount.
Foreign Currency Transactions Fee
Foreign Currency Mark up Fees: 3.49%
Other Fees
Reward Point Redemption Fee: INR 99.
Joining Fee
INR 1,000
Annual Fee
INR 1,000
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 3.49% per month (41.88% annually)
Late Payment Fee
Late Payment fees: 15% of the due amount ranging from INR 0 to INR 1300 for outstanding amount.
Foreign Currency Transactions Fee
Foreign Currency Mark up Fees: 3.49%
Other Fees
Reward Point Redemption Fee: INR 99.
Fee and Charges of
Laksya Credit Card
Special Features
15% cashback on Amazon Now grocery app.
Eligibility Criteria
Age: age over 21.
Income: monthly income of INR 25,000+ (salaried or self-employed),
Credit Score: have a credit score of 750 or above.
Residence: reside in an AU Bank serviceable area.
Speical Feature, Eligibility and Benefits of
Laksya Credit Card
How to apply for Credit Card?
Here are the steps on how to apply for an AU Lakshya Credit Card:
Go to the AU Bank website and click on the "Apply for Credit Card" tab.
Select the Lakshya Credit Card from the list of credit cards.
Enter your personal information, such as your name, address, and contact details.
Enter your employment information, such as your employer's name and your income.
Upload a copy of your PAN card and a recent passport-sized photograph.
Read and agree to the terms and conditions of the credit card.
Click on the "Submit" button.
An AU Bank representative will contact you to verify your information and to complete the application process.
Contact Details
24/7 toll-free helpline number 1800 1200 1500, non-toll number 0141-7141100, or email at creditcard.support@aubank.in
Account Opening and Procedure of
Laksya Credit Card
Product Review of
Laksya Credit Card
The card is packed with all kind of benefits. 10% cashback on PhonePe spends is a solid plus point. Overall it is one of the best credit cards in India.
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review of
Laksya Credit Card
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
