AU Small Finance Bank
AU Bank Vetta Credit Card
Data last verified: 11 October 2026
- Joining fee₹2,999 + GST
- Annual fee₹2,999 + GST
- Reward rate0.5% base, up to 1% on groceries
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹2,999 + GST
- Annual fee₹2,999 + GST
- Fee waiverOn ₹1,50,000 spend a year
- Forex markup3.49%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹100 a month
Vetta earns 4 reward points per Rs 100 on grocery and department store spends, about 1% back, and 2 points per Rs 100 elsewhere, about 0.5%. Insurance and utility bills earn less. Its real draw is lounges: 2 railway lounge visits a quarter, 1 international visit a quarter through Priority Pass, and 1 domestic visit a quarter if you spent Rs 50,000 in the previous quarter.
It costs ₹2,999 a year and the fee is waived once you spend ₹1,50,000 in the year. That is a low bar, so for most regular users the card ends up free.
It suits people who take trains and flights a few times a year. The catch is the thin reward rate, and domestic lounge access depends on quarterly spend.
Best for: Train travellers who use IRCTC lounges, Occasional flyers, Families with big grocery bills.
01AU Bank Vetta Credit Card Rewards and Benefits
02AU Bank Vetta Credit Card Annual Fee and Charges
- Joining fee
- ₹2,999 + GST
- Annual fee
- ₹2,999 + GST
- Spend-based waiver
- Annual fee waived on ₹1,50,000 spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.49%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹100 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on groceries, earning 1%₹50
- ₹15,000 on everything else, earning 0.5%₹75
- Back each month, ₹1,500 a year₹125
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹1,500
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Groceries: 1% back
- Spending ₹12,500 or more a month: the ₹3,539 fee is waived
- Flyers: 8 airport lounge visits a year
Skip it if…
- you spend less than ₹12,500 a month (₹1,50,000 a year, rent and wallet loads not counted): the ₹3,539 fee is then charged
- most of your spending is fuel, rent, education or government payments: those earn nothing on this card
- you rarely spend on groceries: the 1% rate applies only there, everything else earns 0.5%
- you often pay in foreign currency: 3.49% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- ₹2,999 joining and annual fee, waived at ₹1,50,000 yearly spend
- 4 reward points per ₹100 on grocery and department stores
- 2 reward points per ₹100 on other retail spends
- 2 railway lounge visits per quarter
- 1 international lounge visit per quarter through Priority Pass
- 1 domestic lounge visit per quarter with ₹50,000 spend in the previous quarter
- 3.49% forex markup
05Pros and Cons
Pros
- Easy fee waiver at ₹1,50,000
- Railway and international lounges without a spend target
- Priority Pass membership included
Cons
- Rewards only about 0.5% on most spends
- Domestic lounge needs ₹50,000 in the previous quarter
- Insurance and utility bills earn a reduced rate
06How AU Bank Vetta Credit Card earns Rewards
0.5% base, up to 1% on groceries.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 0.5% | No cap | The card's normal rate |
| Online shopping | 0.5% | No cap | The card's normal rate |
| Dining and food delivery | 0.5% | No cap | The card's normal rate |
| Groceries | 1% | No cap | All merchants in the categoryTerms: 4 reward points per ₹100 on grocery and departmental stores (1 point ≈ ₹0.25) |
| Travel: flights, hotels, trains | 0.5% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 0.25% | No cap | All merchants in the categoryTerms: 1 reward point per ₹100 on utility and telecom spends, max 100 reward points per transaction |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 0.25% | No cap | All merchants in the categoryTerms: 1 reward point per ₹100 on insurance spends |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | 0.5% | No cap | The card's normal rate |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 0.5% | No cap | The card's normal rate |
| Everything else | 0.5% | No cap | The card's normal rate |
Terms on the base rate. 2 reward points per ₹100 on other retail spends
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
07AU Bank Vetta Credit Card Lounge Access and Travel
Domestic lounge access is 4 visits a year, international is 4 visits a year, through Priority Pass with Priority Pass. Railway lounges: 8 visits a year. Spend Rs 50,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.49% forex markup; rewards on it: 0.5% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, airport lounge access, milestone bonuses.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹100 per statement cycle since 1 October 2026 (₹250 before)
- Airport lounge access: 1 domestic airport and 2 railway lounge visits each quarter using the AU card itself, plus 1 international visit per quarter via Priority Pass (domestic airport access needs ₹50,000 quarterly spend from Apr 2026)
- Milestone bonuses: 500 bonus points on ₹50,000 and 1,000 more on ₹1 lakh quarterly spend (fuel spends and cash withdrawals excluded from the milestone calculation), a ₹1,000 voucher on ₹2.5 lakh annual spend, plus 1,000 points on a birthday transaction, annual equivalent modelled
08AU Bank Vetta Credit Card Eligibility and Documents
- Age
- 21 to 65 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / address proof Income proof (salary slips or ITR)
09Recent Changes
What AU Small Finance Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Oct 2026 | Reduced: Forex markup raised from 2.99% to 3.49%Source: AU Small Finance Bank | 2.99% on international transactions | 3.49% on international transactions |
| 1 Oct 2026 | Reduced: Fuel surcharge waiver cap cut from ₹250 to ₹100 a monthSource: AU Small Finance Bank | 1% waiver, capped at ₹250 per statement month | 1% waiver, capped at ₹100 per statement month |
| 1 Jul 2026 | Reduced: Fuel fair-usage terms tightened, trigger halved, levy on the whole aggregateSource: AU Small Finance Bank | 1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000 | 1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000 |
| 14 Jun 2026 | Reduced: New 1% fair-usage charge on transportation spendsSource: AU Small Finance Bank | No transportation fair-usage charge | 1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower |
| 10 Apr 2026 | Reduced: Domestic lounge spend-gate raised to ₹50,000/quarterSource: AU Small Finance Bank | ₹20,000 minimum spend per calendar quarter (since 2025-01-01) | ₹50,000 minimum spend per calendar quarter |
See all 7 changes on this card → · All card changes in October 2026 →
10Cards Similar to AU Bank Vetta Credit Card
AU Bank Vetta Credit Card is a grocery card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | AU Bank Vetta Credit Card |  HSBC Live Plus Credit Card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹2,999 + GST | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹2,999 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 0.5% base, up to 1% on groceries | 1.5% base, up to 10% on dining | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 4 visits a year | 2 visits a year | Not included |
| Forex markup | 3.49% | 1.99% | 3.5% |
| Type | Grocery | Dining | Fuel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
Is the ₹2,999 fee waived?
Yes, once you spend ₹1,50,000 in the year. Below that the fee is charged.
What lounge access do I get?
2 railway lounge visits and 1 international visit each quarter, plus 1 domestic visit if you spent ₹50,000 in the previous quarter.
What is the forex markup?
It is 3.49% on foreign currency spends.
Who can apply?
Applicants aged 21 to 65 can apply, subject to AU Bank's checks.
What is the joining fee for the AU Bank Vetta Credit Card?
The joining fee is ₹2,999 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the AU Bank Vetta Credit Card?
The annual fee is ₹2,999 + GST.
Does the AU Bank Vetta Credit Card give airport lounge access?
Yes. Domestic lounge access is 4 visits a year, international is 4 visits a year, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with AU Small Finance Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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