Verified — 16/16 categories
AU
Laksya
Best forGroceries & Food Delivery
Earns5 RP/₹100 RP/₹100 on groceries
1st Year / Joining Fee
₹1,000 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,00,000
annual spend
Network
Not recorded
AU
Laksya
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on groceries and food delivery, where it earns 5 RP/₹100 RP/₹100
- Annual fee is waived at ₹2,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Groceries5 RP/₹100 RP/₹100
Food Delivery5 RP/₹100 RP/₹100
Dining2 RP/₹100 RP/₹100
Shopping2 RP/₹100 RP/₹100
Travel2 RP/₹100 RP/₹100
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | No reward | — | —Details
|
| Insurance | 1 RP/₹100 RP/₹100 | — | AU Laksya: 1 RP/₹100 on InsuranceDetails
|
| Utilities | 1 RP/₹100 RP/₹100 | — | AU Laksya: 1 RP/₹100 on UtilitiesDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | 5 RP/₹100 RP/₹100 | 1,000 RP per statement | AU Laksya: 5 RP/₹100 on GroceriesDetails
|
| Dining | 2 RP/₹100 RP/₹100 | — | AU Laksya: 2 RP/₹100 on DiningDetails
|
| Food Delivery | 5 RP/₹100 RP/₹100 | 1,000 RP per statement | AU Laksya: 5 RP/₹100 on Food DeliveryDetails
|
| Shopping | 2 RP/₹100 RP/₹100 | — | AU Laksya: 2 RP/₹100 on ShoppingDetails
|
| Travel | 2 RP/₹100 RP/₹100 | — | AU Laksya: 2 RP/₹100 on TravelDetails
|
| Government | Not eligible | — | AU Credit Card Member Agreement §23.5.1: "Rent, Education & Govt and BBPS transactions will not be eligible for Reward Points" (card family named in the §23.5 capping table with no Government category allowance)Details
|
| Wallet | No reward | — | —Details
|
| Railways | 2 RP/₹100 RP/₹100 | — | AU Laksya: 2 RP/₹100 on RailwaysDetails
|
| FASTag | 2 RP/₹100 RP/₹100 | — | AU Laksya: 2 RP/₹100 on FASTagDetails
|
| Jewellery | 2 RP/₹100 RP/₹100 | — | AU Laksya: 2 RP/₹100 on JewelleryDetails
|
| Telecom | 1 RP/₹100 RP/₹100 | — | AU Laksya: 1 RP/₹100 on TelecomDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹1,000 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,00,000
annual spend
Reward caps
- Groceries — 1,000 RP / statement (shared cap — Groceries)
Key benefits
Rewards
5 RP/₹100 RP/₹100 on groceries
Fee waiver
Annual fee waived on ₹2,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Groceries rewards are capped at 1,000 RP / statement (shared cap — Groceries)
- No reward on: Rent, Education, Fuel, Wallet
- Not eligible: Government
Who should consider this card
✓ Good fit if
- Your spending is concentrated in groceries, food delivery, dining
- You can reach the ₹2,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, education, fuel, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 1 caps · 5 no-reward categories
Caps
- Groceries — 1,000 RP / statement (shared cap — Groceries)
Categories with no reward or not eligible
- Rent — No reward.
- Education — No reward.
- Fuel — No reward.
- Government — Not eligible. AU Credit Card Member Agreement §23.5.1: "Rent, Education & Govt and BBPS transactions will not be eligible for Reward Points" (card family named in the §23.5 capping table with no Government category allowance).
- Wallet — No reward.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Subject to AU's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 4 areas
4 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-23
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-23
Documents used
AU Small Finance Bank — Laksya Official Product Documentation · SRC-AU-02 · 2026-09-23