# AU Laksya AU Small Finance Bank · Visa. ₹1,000 fee · 3.49% forex · 2 RP/₹100 other retail (25K RP/cycle overall cap). verified · checked 16 July 2026 · Source: https://www.au.bank.in/pdf/credit-card/MITC(with-Schedule-of-Charges).pdf ## How it earns (4) - 2 RP/₹100 other retail (25K RP/cycle overall cap) · cap 25,000 points per statement cycle · verified · checked 11 July 2026 - 5 RP/₹100 groceries/dept stores, cap 1,000 RP/cycle · cap 1,000 points per statement cycle · verified · checked 16 July 2026 - 1 RP / ₹100 on utilities and telecom, capped at 100 RP per transaction · cap 25,000 points per statement cycle · max 100 points per transaction · verified · checked 17 October 2026 - 1 RP / ₹100 on insurance · cap 25,000 points per statement cycle · verified · checked 17 October 2026 ## On gift vouchers - ₹40 back on a ₹10,000 voucher bought direct. · 2 RP/₹100 other retail (25K RP/cycle overall cap) - Vouchers for Bharat Petroleum (BPCL), BYJU'S, Google Pay (GPay), Delhi Metro (DMRC) and 13 more brands: nothing. Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026. Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers ## What earns nothing (2) - No reward points on fuel, rent, education, transport, EMI or bill payments made through BBPS - No reward points on government payments, quasi-cash or cash ## Lounges (1) - 2 domestic visits a quarter, after ₹50,000 spent the previous quarter (from 10 Apr 2026). · Domestic · domestic · 8 per year · checked 19 October 2026 ## Fees - Annual fee: ₹1,000 + GST Waived at ₹2,00,000 spend per year - Forex markup: 3.49% - DCC markup: Not published - Earns: AU Rewardz Points · ₹0.2 a point at baseline ## Dated changes (0) Every change, dated: https://getbrief.cards/changes --- Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page. All cards: https://getbrief.cards/cards Canonical: https://getbrief.cards/cards/au-laksya