AU Laksya

Up to 5 points/₹100 grocery; voucher-value estimate after redemption charge. Confirm your actual channel, merchant code and eligibility.

Where it pays

Issuer FAQ: five reward points per ₹100 at eligible grocery and departmental stores, capped at 1,000 such points in a statement cycle; two points per ₹100 other eligible retail. Contactless also earns five points/₹100 with no contactless cap, but calculator lacks Tap & Pay route and does not assume it. Insurance/utility/telecom earn one point/₹100 with per-transaction cap, but generic Utilities route and BBPS status are unknown, so unscored. Fuel, rent, education, government, EMI, BBPS, transportation, cash and quasi-cash excluded. AU policy values one point at ₹0.20 for vouchers, not cash. One annual redemption after at least 200 points is assumed; ₹99 + GST redemption charge deducted. ₹1,000 joining/annual fee plus GST; renewal waived after prior anniversary-year ₹2 lakh retail spend, not assumed. Welcome points, partner discounts and contactless accelerators omitted. Issuer policy: https://www.au.bank.in/ausfb-reward-points-ausfb-credit-card-reward-points-usage-tnc_2ndjune23.pdf ; schedule: https://www.au.bank.in/pdf/credit-card/Schedule-of-Charges-CC.pdf .

Issuer source

https://www.au.bank.in/personal-banking/credit-cards/laksya-credit-card

Checked 27 Sep 2026. One category repeated monthly; not an account-wide return. Conditional welcome and milestone benefits are omitted. Check current issuer terms before applying.