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AU Bank Vetta vs Axis Bank Select Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

AU Bank Vetta Credit Card versus Axis Bank Select Credit Card compared
FeatureAU Bank Vetta Credit CardAU Bank Vetta Credit CardAU Small Finance Bank7 recent changes →
Axis Bank Select Credit CardAxis Bank Select Credit CardAxis Bank5 recent changes →
Rewards by spend
Rewards0.5% base, up to 1% on groceries1% base, up to 2% on groceries
UPI payments (scan and pay)0.5%Earns nothing
Online shopping0.5%1%
Dining and food delivery0.5%1%
Groceries1%2%
Travel: flights, hotels, trains0.5%1%
FuelsameEarns nothingEarns nothing
Bills and recharges0.25%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiums0.25%Earns nothing
School and college feessameEarns nothingEarns nothing
Wallet top-ups0.5%Earns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency0.5%1%
Everything else0.5%1%
Card identity
Card typesameGroceryGrocery
NetworksameVisaVisa
Card tierMidPremium
Fees
Joining fee₹2,999 + GST₹3,000 + GST
Annual fee₹2,999 + GST₹3,000 + GST
Fee waived at₹1,50,000₹8,00,000
Eligibility
Min age21 years18 years
Max age65 years70 years
Employment typesameBOTHBOTH
Min monthly salary-₹50,000
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹100-
Lounge access
Domestic lounge visits48
International lounge visits46
Railway lounge visits8-
Lounge programmesamePRIORITY_PASSPRIORITY_PASS
Priority PasssameYesYes
Lounge conditionsameSpend Rs 50,000 in the previous quarter for domestic lounge accessSpend Rs 50,000 in the previous quarter for domestic lounge access
Forex and international
Forex markup3.49%3.5%
UPI rewards
Works on UPIYesNo
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Documents neededsamePAN card Aadhaar / address proof Income proof (salary slips or ITR)PAN card Aadhaar / address proof Income proof (salary slips or ITR)
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

AU Bank Vetta Credit Card
Rewards a year
₹1,500
Fee a year
₹0
You keep
₹1,500
Axis Bank Select Credit Card
Rewards a year
₹3,000
Fee a year
- ₹3,540
You keep
- ₹540

At this spend, AU Bank Vetta Credit Card comes out ₹2,040 a year ahead of Axis Bank Select Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

AU Bank Vetta Credit Card
  • Train travellers who use IRCTC lounges
  • Occasional flyers
  • Families with big grocery bills
Axis Bank Select Credit Card
  • Salaried users who travel
  • Golfers
  • BigBasket grocery shoppers

Watch-Outs

AU Bank Vetta Credit Card
  • Rewards only about 0.5% on most spends
  • Domestic lounge needs Rs 50,000 in the previous quarter
  • Insurance and utility bills earn a reduced rate
Axis Bank Select Credit Card
  • Rs 8 lakh spend needed for a fee waiver
  • Best earning only on the first Rs 20,000 a month
  • Domestic lounges need Rs 50,000 in the previous quarter
  • 3.5% forex markup

Card data sourced via CardAdvisor.in (AU Bank Vetta Credit Card, Axis Bank Select Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, AU Bank Vetta Credit Card or Axis Bank Select Credit Card?

AU Bank Vetta Credit Card. AU Bank Vetta Credit Card: ₹2,999; Axis Bank Select Credit Card: ₹3,000. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

AU Bank Vetta Credit Card has the lowest forex markup. AU Bank Vetta Credit Card: 3.49%; Axis Bank Select Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Axis Bank Select Credit Card 1%, AU Bank Vetta Credit Card 0.5%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which gives airport lounge access?

AU Bank Vetta Credit Card: 4 domestic lounge visits a year; Axis Bank Select Credit Card: 8 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

Work Out the Numbers

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