AU Bank Vetta Credit Card
AU Small Finance Bank · Visa + RuPay · Premium card
A relatively attainable premium card with travel access and a practical fee-waiver target.
Regular grocery and department-store spenders who travel several times a year.
Terms checked 23 Sept 2026
- Annual fee
- ₹2,999 + GST
- Joining fee
- ₹2,999 + GST
- Base reward rate
- 0.4%
- Forex markup
- 3.0%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Groceries & essentials | 0.8% |
| Online shopping | 0.4% |
| Dining & delivery | 0.4% |
| Travel & hotels | 0.4% |
| Beauty & wellness | 0.4% |
| Entertainment & movies | 0.4% |
| Healthcare & pharmacy | 0.4% |
| Subscriptions & streaming | 0.4% |
| Offline store shopping | 0.4% |
| International spending | 0.4% |
| Gold & jewellery | 0.4% |
| Other miscellaneous | 0.4% |
| Bills & utilities | 0.2% |
| Education & family | 0.2% |
| House rent | 0.2% |
| Insurance premiums | 0.2% |
| Fuel & commute | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹1,50,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
4 domestic airport lounge visits per year • 4 international airport lounge visits per year
1 domestic airport lounge visit per quarter · Issuer card
Guest access: Not specified
Requires ₹50,000 per Calendar quarter for the following calendar quarter
1 international airport lounge visit per quarter · Priority Pass
Guest access: Chargeable
Priority Pass use within India is chargeable.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 6 items
Grocery bonus points
Usage-based valueTwo incremental points plus the two-point base produce four points per ₹100 at eligible grocery MCCs.
Department-store bonus points
Usage-based valueTwo incremental points plus the two-point base produce four points per ₹100 at eligible department-store MCCs.
Conditions: Two incremental points plus the two-point base produce four points per ₹100 at eligible department-store MCCs.
Special-category points
Usage-based valueOne point per ₹100 on current special categories; utility and telecom earn at most 100 points per transaction.
Base reward points
Usage-based valueTwo points per ₹100 on other eligible purchases.
1,000 birthday bonus points after an eligible retail transaction on the cardholder’s birthday
Shown without a cash valueFour reward points per ₹100 on eligible grocery and departmental-store purchases
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹2,999₹2,999 annual fee before applicable tax.
Joining fee
Cost ₹2,999₹2,999 one-time joining fee before applicable tax.
Fee waiver · 2 items
Annual fee waiver
Usage-based · up to ₹2,999Annual fee may be waived after ₹1,50,000 of eligible annual spending.
Conditions: Reach ₹1,50,000 eligible annual spending
₹1.5 lakh eligible anniversary spend waives the ₹2,999 renewal fee
Shown without a cash value
Spend milestones · 3 items
500 points at ₹50,000 quarterly spend
500 reward unitsUnlocked after ₹50,000 of eligible spending.
Conditions: Reach ₹50,000 per calendar quarter
Additional 1,000 points at ₹1 lakh quarterly spend
1,000 reward unitsUnlocked after ₹1,00,000 of eligible spending.
Conditions: Reach ₹1,00,000 per calendar quarter
₹1,000 voucher at ₹2.5 lakh anniversary spend
Recorded value ₹1,000Unlocked after ₹2,50,000 of eligible spending.
Conditions: Reach ₹2,50,000 per card anniversary year
Airport lounge access · 3 items
Domestic lounge access
Usage-based value1 visit per quarter through Issuer card. Guest access: not specified.
Conditions: Spend ₹50,000 per calendar quarter
International lounge access
Usage-based value1 visit per quarter through Priority Pass. Guest access: chargeable. Priority Pass use within India is chargeable.
Two railway-lounge visits per calendar quarter
Shown without a cash value
Insurance and protection · 3 items
Air-accident cover up to ₹50 lakh
Shown without a cash valueCredit-shield cover up to ₹5 lakh
Shown without a cash valuePurchase protection up to ₹25,000 and published travel-related cover
Shown without a cash value
Concierge · 1 item
24x7 global concierge assistance
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value2.99% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. AU publishes age 21-60 for salaried and 25-65 for self-employed applicants but no numeric income threshold.
Other benefits · 1 item
1% fuel-surcharge waiver on ₹400-₹5,000 transactions, capped at ₹250 per statement cycle through 30 September 2026
Shown without a cash value
Other categories (8)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Welcome benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Four reward points per ₹100 on eligible grocery and departmental-store purchases
- ✓ Quarterly bonus points at ₹50,000 and ₹1 lakh plus a ₹1,000 annual voucher
- ✓ One domestic and one international airport lounge visit per quarter
- ✓ ₹1.5 lakh eligible anniversary spend waives the ₹2,999 renewal fee
What to watch
GainFair uses the conservative ₹0.20 e-voucher point value; some AU catalogue routes can reach ₹0.25. Domestic lounge access needs ₹50,000 in the preceding quarter, and forex rises from 2.99% to 3.49% on 1 October 2026.
Recorded exclusions
Fuel Commute · Cash withdrawal · Balance transfer · Emi · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
Forex markup and fuel-waiver cap scheduled to change
AU has published a higher forex markup and lower fuel-surcharge-waiver cap.
- Before
- Forex markup is 2.99% and the fuel waiver is capped at ₹250 per statement cycle.
- After
- Forex markup becomes 3.49% and the fuel-waiver cap becomes ₹100 per statement cycle.
Checked 23 Sept 2026AU Vetta current product notice ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026 · Latest recorded change effective 24 Mar 2026