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faayda.com › cards › AU Bank Vetta Credit Card
AU Small Finance Bank · Visa / RuPay · हिन्दी

AU Bank Vetta Credit Card: full review

The AU Vetta is a solid mid-tier lifestyle card with good grocery and utility rewards at ₹2,999. The birthday bonus and international lounge access are genuine differentiators. Competes well against SBI Prime and ICICI Rubyx for users who spend heavily on groceries and utilities.

Apply now ↗Annual fee: ₹2,999 + taxes
Last updated: August 2026 · Current terms verified
AU SMALL FINANCE
VISA
)))
VETTA
ASHOK KUMAR
12/28
₹2,999 + taxes (waived on ₹1,50,000/year spend from Y2)Annual fee
4 reward points per ₹100 on grocery, departmental stores and utility (1%); 2 RP on others (0.5%)Reward structure
1 domestic visit/quarter (on ₹50,000/quarter spend); 1 international visit/quarter via Priority PassLounge access

Key benefits of the AU Bank Vetta Credit Card

4 reward points per ₹100 on grocery, departmental store and utility bill spends (1 RP = ₹0.25; 1% effective)2 reward points per ₹100 on all other eligible retail spends (0.5%)1,000 bonus reward points on any retail transaction on your birthday500 bonus RP on ₹50,000/quarter; 1,000 bonus RP on ₹1,00,000/quarter1 domestic lounge visit/quarter on ₹50,000/quarter spend (from April 2026)1 international lounge visit/quarter via Priority Pass₹2,000 welcome vouchers on ₹30,000 spend in first 60 daysAnnual fee waiver on ₹1.5L/year spend24x7 global concierge serviceAir accident cover up to ₹50L
Apply now ↗ Min. income: ₹25,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ Good 1% on grocery and utility, practical daily categories
✓ Birthday bonus is a nice personal touch
✓ International lounge access at ₹2,999 fee tier is rare
✓ Annual fee waivable at reasonable ₹1.5L/year spend
Cons
✗ Domestic lounge now requires ₹50,000/quarter spend from April 2026
✗ 2.99% forex, higher than BOBCARD Eterna at similar fee
✗ Max 100 RP per transaction on utility and telecom
✗ Small finance bank, limited physical presence
Quick facts
Issuer AU Small Finance Bank
Network Visa / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,999 + taxes (waived on ₹1,50,000/year spend from Y2)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹2,999
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 1 domestic visit/quarter (on ₹50,000/quarter spend); 1 international visit/quarter via Priority Pass
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2.99%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceAU Small Finance Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for AU Bank Vetta Credit Card is ₹2,999 + taxes (waived on ₹1,50,000/year spend from Y2). The joining fee is ₹2,999.
The main benefits of the AU Bank Vetta Credit Card are: 4 reward points per ₹100 on grocery, departmental store and utility bill spends (1 RP = ₹0.25; 1% effective); 2 reward points per ₹100 on all other eligible retail spends (0.5%); 1,000 bonus reward points on any retail transaction on your birthday; 500 bonus RP on ₹50,000/quarter; 1,000 bonus RP on ₹1,00,000/quarter; 1 domestic lounge visit/quarter on ₹50,000/quarter spend (from April 2026); 1 international lounge visit/quarter via Priority Pass; ₹2,000 welcome vouchers on ₹30,000 spend in first 60 days; Annual fee waiver on ₹1.5L/year spend; 24x7 global concierge service; Air accident cover up to ₹50L.
4 reward points per ₹100 on grocery, departmental stores and utility (1%); 2 RP on others (0.5%)
AU Bank Vetta Credit Card is best for Premium lifestyle card with grocery and utility rewards, lounge access and birthday benefits. The AU Vetta is a solid mid-tier lifestyle card with good grocery and utility rewards at ₹2,999. The birthday bonus and international lounge access are genuine differentiators. Competes well against SBI Prime and ICICI Rubyx for users who spend heavily on groceries and utilities.
The minimum income requirement for AU Bank Vetta Credit Card is ₹25,000/month (salaried). A minimum credit score of 700+ is also recommended.
Yes, AU Bank Vetta Credit Card offers 1 domestic visit/quarter (on ₹50,000/quarter spend); 1 international visit/quarter via Priority Pass.
AU Bank Vetta Credit Card charges a 2.99% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
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AU Bank Vetta₹2,999 + taxes
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