AU Small Finance Bank
AU Laksya Credit Card
Best for travel and lifestyle with lounge access
₹1,499/yr annual fee · 3x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
₹1,499/yr
Reward rate
3x
Min. income
₹4,00,000
Forex markup
3.5%
Lounge access
Yes
Eligibility
₹4 lakh/yr · CIBIL 720+
Reward cap
No published cap
Welcome benefit
None beyond the reward rate
Who is this for
- Frequent traveller
- Premium spender
What we like
- Lounge access included
- 5x on travel/dining
- Decent milestone benefits
Watch out for
- Rs 1,499 annual fee
- 3.5% forex markup
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹0 | Not waivable |
| Annual fee | ₹1,499 | Waived on Rs 1.5 lakh annual spend |
| Forex markup | 3.5% | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| TRAVEL | 5.00 | — | 0.25 |
| All spends | 3.00 | — | 0.25 |
Benefits
-
Lounge access Highlight
Complimentary domestic and international airport lounge access
-
Travel insurance
Complimentary travel insurance cover
-
Fuel surcharge waiver
1% fuel surcharge waiver
Eligibility
- Age
- 21–60 years
- Min. income
- ₹4,00,000
- Min. credit score
- 720+
- Score note
- Good credit score preferred
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, latest salary slips / ITR, bank statements, address proof
AU Laksya Credit Card is a Visa premium travel card from AU Small Finance Bank, launched in May 2026 as part of its new portfolio, with complimentary lounge access and 5x travel/dining rewards.
Fees and rewards
- Annual fee: Rs 1,499 (waived on Rs 1.5 lakh annual spend)
- Joining fee: Nil
- Rewards: 5x on travel/dining; 3x on other spends
Eligibility
PAN, Aadhaar, latest salary slips / ITR, bank statements, address proof
Card data compiled from issuer published fee schedules. Status: active.
Apply for AU Laksya Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the AU Laksya Credit Card worth it?
What is the annual fee for the AU Laksya Credit Card?
How does the AU Laksya Credit Card reward rate work?
What are the eligibility requirements for the AU Laksya Credit Card?
Does the AU Laksya Credit Card offer airport lounge access?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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