AU Small Finance Bank
AU Laksya Credit Card
This is an invite only card
Apply and get ₹1000 Rewards
Top Benefits
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
Expert Review
Joining / Annual Fee
Joining Fees
₹1,180 ( ₹1000 + GST )
Annual Fees
₹1,180 ( ₹1000 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card 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
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
0.25
Redemption Options
- E-vouchers
- Merchandise
- Flight & Hotel bookings
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an AU Small Finance Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an AU Small Finance Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
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
| Structure | Details |
|---|---|
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 | 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 withdrawal 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 | 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 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹1000 Rewards
Top Benefits
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
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