AU Bank Vetta Credit Card Review
The AU Bank Vetta is a premium rewards card with accelerated grocery rewards, international and railway lounge access, concierge and milestone bonuses. Here is the verified review.
- 4 RP per ₹100 on grocery & departmental stores
- Quarterly milestone bonuses + birthday bonus
- 4 international lounge visits/year (Priority Pass)
- 2 IRCTC railway lounge visits/quarter
- 24/7 global concierge; insurance cover
- Wide exclusions (fuel, rent, EMI, govt, BBPS, etc.)
- 2 RP/₹100 on non-grocery retail
- ₹2,999 fee needs milestone spends to waive
- Reward value depends on redemption
- Only 4 international lounge visits/year
Rewards & benefits
| Item | Detail |
|---|---|
| Membership fee | ₹2,999 (waived on milestones) |
| Grocery & dept stores | 4 RP per ₹100 |
| Other retail | 2 RP per ₹100 |
| Utility/telecom | 1 RP per ₹100 |
| Milestones | 500 RP (₹50k/qtr) + 1,000 RP (₹1L/qtr); 1,000 birthday RP |
| Lounge | 4 international/year + 2 IRCTC/quarter |
Who this card is for
- Best fit: grocery-heavy spenders who travel and will hit the quarterly milestones.
- Skip if: much of your spend falls in the excluded categories.
How to apply & how to cancel
Apply: via au.bank.in. Cancel: call AU customer care after clearing dues; redeem points first.
Final verdict
The AU Vetta is a capable premium card — strong grocery rewards, milestone bonuses, international and railway lounges and concierge. The broad reward exclusions are the main caveat, so it suits grocery-and-travel spenders who’ll waive the fee on milestones.
Frequently asked questions
What earns 4 RP per ₹100?
Grocery and departmental-store spends; other retail earns 2 and utility/telecom 1.
What is the fee?
₹2,999, waivable on spend milestones.
What lounge access?
4 international visits a year via Priority Pass, plus 2 IRCTC railway lounge visits a quarter.
What’s excluded from rewards?
Cash, rent, education, government, EMI, fuel, BBPS and quasi-cash transactions.
Data current as of June 2026, cross-checked against AU Small Finance Bank and aggregators. Confirm current terms on au.bank.in before applying.