AU Bank Vetta vs Indusind Bajaj Tiger 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: 28 September 2026.
| Feature |  AU Bank Vetta Credit CardAU Small Finance Bank7 recent changes → |  Indusind Bajaj Tiger Credit CardIndusInd Bank5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.5% base, up to 1% on groceries | 0.4% on most spends | |
| UPI payments (scan and pay) | 0.5% | Earns nothing | |
| Online shopping | 0.5% | 0.4% | |
| Dining and food delivery | 0.5% | 0.4% | |
| Groceries | 1% | 0.4% | |
| Travel: flights, hotels, trains | 0.5% | 0.4% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.25% | Not stated | |
| Rent | Earns nothing | Not stated | |
| Insurance premiums | 0.25% | Not stated | |
| School and college fees | Earns nothing | Not stated | |
| Wallet top-ups | 0.5% | 0.4% | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | 0.5% | 0.4% | |
| Everything else | 0.5% | 0.4% | |
| Card identity | |||
| Card type | Grocery | Rewards | |
| Networksame | Visa | Visa | |
| Card tiersame | Mid | Mid | |
| Fees | |||
| Joining fee | ₹2,999 + GST | Free | |
| Annual fee | ₹2,999 + GST | Free | |
| Lifetime free | No | Yes | |
| Fee waived at | ₹1,50,000 | - | |
| Eligibility | |||
| Min age | 21 years | - | |
| Max age | 65 years | - | |
| Employment type | BOTH | - | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | ₹100 | - | |
| Lounge access | |||
| Domestic lounge visits | 4 | 8 | |
| International lounge visits | 4 | 2 | |
| Railway lounge visits | 8 | - | |
| Lounge programme | PRIORITY_PASS | - | |
| Priority Pass | Yes | No | |
| Lounge condition | Spend Rs 50,000 in the previous quarter for domestic lounge access | 8 domestic (2 a quarter) + 2 international airport lounge visits a year, no spend condition is published for the Tiger, though IndusInd began spend-gating domestic lounge access on several other cards from 1 April 2026 | |
| Forex and international | |||
| Forex markup | 3.49% | 1.5% | |
| UPI rewards | |||
| Works on UPI | Yes | No | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | 3.5% | |
| Interest rate (annual) | 45% | 42% | |
| Redemption | |||
| Redemption fee | - | ₹100 | |
| Page content | |||
| Documents neededsame | PAN card Aadhaar / address proof Income proof (salary slips or ITR) | PAN card Aadhaar / address proof Income proof (salary slips or ITR) | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹1,500
- Fee a year
- ₹0
- You keep
- ₹1,500
- Rewards a year
- ₹1,524
- Fee a year
- ₹0
- You keep
- ₹1,524
At this spend, Indusind Bajaj Tiger Credit Card comes out ₹24 a year ahead of AU Bank Vetta 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
- Train travellers who use IRCTC lounges
- Occasional flyers
- Families with big grocery bills
- Occasional flyers who want free lounges
- International travellers
- Golfers on a budget
- People who want perks without a fee
Watch-Outs
- 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
- Base rewards are worth only about 0.4%
- Only 2 international lounge visits a year
Card data sourced via CardAdvisor.in (AU Bank Vetta Credit Card, Indusind Bajaj Tiger 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 Indusind Bajaj Tiger Credit Card?
Indusind Bajaj Tiger Credit Card. Indusind Bajaj Tiger Credit Card: no annual fee; AU Bank Vetta Credit Card: ₹2,999. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
Indusind Bajaj Tiger Credit Card has the lowest forex markup. Indusind Bajaj Tiger Credit Card: 1.5%; AU Bank Vetta Credit Card: 3.49%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: AU Bank Vetta Credit Card 0.5%, Indusind Bajaj Tiger Credit Card 0.4%. 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; Indusind Bajaj Tiger 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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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
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