AU Bank Vetta Credit Card Review
The AU Bank Vetta is AU’s mid-tier card. It combines a modest base reward rate with quarterly milestone bonuses, international lounge access through Priority Pass and a strong insurance package.
Its value depends on hitting the milestones and fee waiver: ₹40,000 in the first 90 days to waive the first-year fee and ₹1.5 lakh a year thereafter.
- Fee waivable in year one (₹40,000 in 90 days) and later (₹1.5 lakh a year)
- Quarterly milestone bonuses
- 4 international lounge visits a year through Priority Pass
- ₹50 lakh air accident and ₹5 lakh credit shield cover
- Birthday bonus of 1,000 points
- Low base rate outside groceries and department stores
- Domestic airport lounge now needs ₹50,000 spend in the quarter
- Priority Pass use at Indian lounges is chargeable
- ₹99 + GST per redemption
- Long exclusion list, including transport
Fees and charges
| Item | Detail |
|---|---|
| Annual fee | ₹2,999 + GST |
| First-year waiver | Spend ₹40,000 on retail within 90 days |
| Renewal waiver | Spend ₹1,50,000 in the previous card year |
| Add-on cards | Free |
| Reward redemption | ₹99 + GST |
| Interest | 3.75% a month |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1% on ₹400–₹5,000, up to ₹100 |
Rewards: how the card earns
| Spend | Earn |
|---|---|
| Groceries and department stores | 4 points per ₹100 |
| Other retail | 2 points per ₹100 |
| Insurance, utilities, telecom | 1 point per ₹100, capped at 100 per transaction |
| Quarterly milestone | 500 points at ₹50,000 and another 1,000 at ₹1 lakh in a quarter |
| Annual milestone | ₹1,000 voucher at ₹2.5 lakh a year |
| Birthday | 1,000 points on any retail spend on your birthday |
What earns nothing
Cash, rent, education, government, EMI, fuel, BBPS bill payments, transport and quasi-cash transactions earn no points. Fuel and cash do not count towards milestones.
Other benefits
| Benefit | Detail |
|---|---|
| Domestic airport lounge | 1 visit a quarter, only if you spend ₹50,000 in that calendar quarter (since 10 Apr 2026) |
| International lounges | 4 a year (1 per quarter) through Priority Pass; use in India is chargeable |
| Railway lounges | 2 visits a quarter |
| Insurance | ₹50 lakh air accident, ₹5 lakh credit shield, ₹25,000 purchase protection for 90 days, travel covers |
| Concierge | Global concierge and priority support |
Eligibility
Issuer
AU Small Finance Bank
Network
Visa and RuPay
Age
Salaried 21–60; self-employed 25–65
Residency
Resident Indian
Documents
PAN, Aadhaar, income proof
Who this card is for
- Good fit: people who spend ₹1.5 lakh+ a year and value international lounge visits and insurance cover.
- Skip if: you spend under ₹1.5 lakh a year — the ₹2,999 fee will outweigh the rewards.
Alternatives worth comparing
- AU Bank Xcite — ₹249 card with a higher dining rate
- AU Bank Zenith — AU’s premium card
- Best AU Bank credit cards
- Cards with free domestic lounge access
Final verdict
A good mid-tier card if you will cross the waiver thresholds: lounge access, solid insurance and milestone bonuses at no net cost. Lighter spenders get little from it.
Frequently asked questions
How do I get the Vetta fee waived?
Spend ₹40,000 on retail within 90 days to waive the first-year fee, and ₹1.5 lakh in each card year to waive renewal.
What are the milestone benefits?
500 bonus points at ₹50,000 and another 1,000 at ₹1 lakh in a quarter, plus a ₹1,000 voucher at ₹2.5 lakh a year.
Does it give domestic lounge access?
1 domestic visit a quarter, but since 10 April 2026 only if you spend ₹50,000 in that quarter.
Can I use Priority Pass in India?
Priority Pass is meant for international lounges; using it at Indian lounges is chargeable.
Which networks is it on?
Visa and RuPay.
Last verified: October 2026, against AU Small Finance Bank’s product page and Key Fact Statement (30 Sep 2026). Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.