CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
AU Small Finance Bank

AU Vetta Credit Card

27
Ranked #120 of 170 in credit
creditVisaMid-Premium

AU Bank's mid-premium lifestyle card offering accelerated 4X rewards on grocery/departmental/utility spends plus a rare airport+railway lounge combo, positioned between Altura Plus and Zenith.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value11/100 · weight 71%
≈ 0.55% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +1.7% score bonus — earns broadly without narrow category restrictions.
No rewards on: government, rent, education, insurance. Reward score is scaled by ×(1 − 3.5%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency76/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks42/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹2,999 + 18% GST
= ₹3,539 total
Annual fee
₹2,999 + 18% GST
= ₹3,539 / year total
Waiver: 1st year: Rs40,000 retail spend within 90 days; 2nd year onwards: Rs1,50,000 retail spend in preceding anniversary year. Lifetime free for govt/select MNC employees.
Forex markup
2.99%

Lounge access

Domestic (per year)
4
International (per year)
4

Reward structure

CategoryTypeRateCapNotes
groceries_offlinepoints0.88%(4 pts @ ₹0.22)—4 RP/Rs100 on grocery/departmental stores
utilitiespoints0.88%(4 pts @ ₹0.22)—4 RP/Rs100 on utility bill payments
all_spendspoints0.44%(2 pts @ ₹0.22)—2 RP/Rs100 base rate on other categories
online_spendspoints0.38%(1.5 pts @ ₹0.25)——
diningpoints0.38%(1.5 pts @ ₹0.25)——
travelpoints0.38%(1.5 pts @ ₹0.25)——
groceriespoints0.38%(1.5 pts @ ₹0.25)——
fuelpoints0.25%(1 pts @ ₹0.25)——

Welcome offer

Vouchers worth Rs2,000 on Rs30,000 retail spend within 60 days of card setup

Milestone benefits

Pros

  • 4 reward points/Rs100 on grocery/departmental/utility spends (best-in-class for this fee tier)
  • rare combination of airport + railway lounge access
  • solid insurance cover
  • effective dining/rewards-focused mid-premium option

Cons

  • No reward points on fuel, rent, insurance, education, government spends
  • annual fee relatively high if spend thresholds aren't met
  • domestic lounge access conditional on prior-quarter spend

What's inside

More benefits

  • Birthday bonus points

    ₹220

    1,000 bonus reward points on retail transaction on birthday

    Cap ₹220 / yearly. One retail transaction on birthday

  • Global concierge

    24x7 concierge for travel, golf, dining bookings

    unlimited.

Insurance cover

text
₹NaN

Eligibility

text
Age 21-60; Rs6L+ annual income indicative (some sources cite Rs50k/month salaried or Rs10L self-employed); good credit history

Small print

Fuel surcharge:1% waiver, Rs400-5,000 txn range, capped Rs250/statement cycle; fuel itself does not earn reward points