VISA
AU Small Finance BankAU Prathama Credit Card
Joining₹100
Annual₹100/yr
Reward1%
Credit
Apply Now
🔒 Secure & Free
AU Small Finance BankVISA
AU Laksya Credit Card
VisaRuPay
AU Laksya Credit Card
Turn everyday expenses into the most rewarding experiences
Annual fee₹1,000Waived on ₹2.0L spend
Rewards2 Reward Points per ₹100 on all other retail spends
Forex markup3.5%
Secure · Free · No spam calls
Independent comparison platform. Not affiliated with AU Small Finance Bank. Full disclaimer
Welcome benefits
worth ₹1,000Brand vouchers worth ₹1,000 or 4,000 Reward Points on card activation and first successful transaction
- Trigger
- within 30 days
Rewards
Base earn rate
2 Reward Points per ₹100 on all other retail spends
AU Rewardz
| Category | Rate | Cap |
|---|---|---|
| Grocery, Departmental Stores, Contactless | — | — |
| Insurance, Utility, Telecom | — | — |
- • Redemption fee: ₹99
Lounge access
Domestic
8visits / year
- Max 2 per quarter
International
Not included
Fees & charges
- Joining fee
- ₹1,000 + applicable taxes
- Annual / renewal fee
- ₹1,000 + applicable taxes
- Annual fee waiver
- ₹2,00,000 retail spends in the previous card anniversary year (second year onwards)
- Interest-free period
- 50 days
- Cash advance fee
- 2.5%, min ₹500
- Overlimit fee
- 2.5%, min ₹500
- Payment dishonour
- 2% of Total Amount Due or ₹500, whichever is higher
- Forex markup
- 3.49%
- Reward redemption
- ₹99 per redemption
- EMI processing
- 0%
- Fuel surcharge
- 1% waiver, on ₹400–₹5000 txns, max ₹150/cycle
- Duplicate statement
- ₹100
- Duplicate card
- ₹100
Late payment
15% of Total Amount Due (minimum ₹10, maximum ₹1,300)
Features
✓ Contactless
Additional features
- Up to 15% instant discount on Amazon Grocery / Amazon Now, maximum ₹250 cashback per month
- Up to 15% instant discount on food delivery via Zomato, maximum ₹250 cashback per month
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Guides and tools
📖 Guides about this card
🔧 Useful tools