AU Vetta Credit Card
AU Small Finance Bank · Open to apply
A ₹2,999 card with 4 points per ₹100 on groceries and departmental stores and 2 on other retail spends, quarterly and yearly spend milestones, one domestic and one international lounge visit a quarter and 2 railway lounge visits a quarter.
- Annual fee
- ₹2,999 + GST a year
- Joining fee
- ₹2,999 + GST
- Fee waiver
- Annual fee waived on ₹1,50,000 spend per card year
- Base rate
- Other retail spends, 2 points per ₹100: 2 AU reward points per ₹100 (about 0.4% at cash value)
- Lounges
- Domestic: 1 visit a calendar quarter after ₹50,000 spend; International: 1 visit a calendar quarter; Railway: 2 visits a calendar quarter
- Forex markup
- 3.49%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- Groceries and departmental stores, 4 points per ₹100: 4 AU reward points per ₹100 (about 0.8% at cash value)
Earns nothing on
- No points on cash, rent, education, government, EMI, fuel and tolls
- No points on railways (transportation)
Where the sources disagree
- Fuel surcharge waiver cap: The page's headline says up to ₹100 a statement cycle and its detail text ₹250; the KFS and MITC say ₹100 for Vetta. We use ₹100.
Terms the calculator does not value
- Birthday benefit - 1,000 bonus points on one retail transaction on the cardholder's birthday, once a year.
- Local commute (MCC 4111) and BBPS earn nothing but are valued at the base rate.
- No document states a redemption value for Vetta; ₹0.20 is the 2023 voucher rate for all AU cards.
Sources
- AU Small Finance Bank: Vetta credit card page (Product page, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank MITC with schedule of charges, version 2.23 (2 Nov 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- AU Small Finance Bank Key Fact Statement V-1.9 (2 Nov 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank Credit Card Member Agreement, section 22 Rewards program (16 May 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank notice, revision of reward points usage terms (2 June 2023) (Bank notice, the bank's own, read 6 Nov 2026)
- AU Small Finance Bank revision of credit card usage terms (domestic lounge spend condition, Priority Pass), 10 April 2026 (Bank notice, the bank's own, read 6 Nov 2026)