AU Vetta Credit Card

The AU Vetta Credit Card from AU Small Finance Bank is positioned as a premium-lifestyle offering, combining reward points, lounge access and insurance benefits. It is designed for cardholders who spend relatively often — on groceries, departmental stores, utilities and general retail — and want additional perks like lounge access, concierge services, and purchase protection.

AU Vetta Credit Card

Joining Fees	₹ 2,999 + GST
Annual Fees	₹ 2,999 + GST
Card Type	Travel, Rewards
Network Type	Rupay

Rewards & Benifits

4 Reward Points per ₹100 on Grocery & Departmental store spends
2 Reward Points per ₹100 on other retail spends
1 Reward Point per ₹100 on Insurance, Utility & Telecom spends
Quarterly milestone bonus: 500 bonus points on ₹50,000 quarterly spend, and 1,000 bonus points on ₹1,00,000 quarterly spend
Yearly milestone benefit: ₹1,000 worth vouchers on ₹2.50 lakh retail spend per anniversary year
Birthday benefit: 1,000 bonus reward points on one transaction on birthday
Complimentary lounge access — 1 airport lounge per quarter (domestic), and 1 Priority Pass lounge per quarter (subject to request)
Complimentary railway lounge access: 2 visits per calendar quarter for primary cardholder (and add-on)
Free global concierge services
Free insurance & extended warranty on mobile and electronic purchases
Fuel surcharge waiver: 1% waiver for fuel transactions between ₹400–₹5,000 (max ₹250 per statement cycle)
Option to use contactless payments (tap to pay up to ₹5,000)
Xpress EMI: convert eligible transactions into EMIs via app / net-banking / IVR / WhatsApp / phone

Fees & Charges

Joining Fee: ₹ 2,999 + GST (one-time)
Annual Fee: ₹ 2,999 + GST (per year) — waiver if ₹ 40,000 retail spends in first 90 days; for renewal, waiver if ₹ 1,50,000 retail spends in previous anniversary year
Add-on card: Lifetime free (up to 3 per account)
Cash Advance Fee: 2.5% of withdrawal amount (per applicable Schedule of Charges)
Reward redemption fee: ₹99 + GST (when redeeming reward points)
Over-limit Charges: 2.5% of over-limit amount (minimum ₹500)

Card Details

Accelerated rewards on groceries, departmental store, utilities, telecom, insurance
Milestone and birthday bonus points structure
Complimentary airport (domestic) and railway lounge access per quarter
Priority Pass lounge access on request (for Vetta cards issued from 1 Jun 2024 onward)
Global concierge service for travel, entertainment, lifestyle needs
Insurance benefits: air accident cover, card liability cover in case of fraud, purchase protection, travel-related covers (baggage loss/delay, passport loss, flight delay/hijack etc.)
Contactless payments (tap to pay) for amounts up to ₹5,000
EMI conversion (Xpress EMI) for eligible transactions ₹500 and above (minimum ₹2,000 total monthly value)
Free add-on cards (up to 3), allowing family members to enjoy benefits too

Pros & Cons

Good reward rates on groceries and departmental store spends
Quarterly and yearly milestone bonuses + birthday rewards
Complimentary airport and railway lounge access
Global concierge and travel/lifestyle perks
Insurance and purchase protection coverage
Add-on cards free for lifetime
Fuel surcharge waiver on fuel purchases
Option for EMI conversion and contactless payments

High joining and annual fees (₹2,999 + GST)
Fee waiver conditions require substantial spending (₹40,000 initially; ₹1,50,000 annually thereafter)
Not all spends eligible for reward points (e.g. cash, fuel, rent, education, government spends excluded)
Priority Pass lounge requires separate request (not automatic)
Fuel surcharge waiver capped (₹250 per statement cycle)

ELIGIBILITY CRITERIA
Primary cardholder: Salaried individuals — 21 to 60 years; Self-employed — 25 to 65 years. Add-on cardholders must be over 18 years. Applicant must be an Indian resident.

WELCOME BENEFITS
No explicit welcome bonus or joining vouchers are mentioned on the official page under “Features and Benefits” except the standard rewards and milestone structures.

CARD REVIEW
The AU Vetta Credit Card is best suited for users who spend regularly on groceries, departmental stores, utilities, insurance or telecom — and who value lounge access, lifestyle perks and travel/concierge benefits. For frequent shoppers and travellers, the rewards + lounge access + insurance protections offer solid value, provided you meet the spending thresholds to get fee waivers. However, the high joining/annual fee and stringent spend requirements for fee waiver can make it expensive for low-spend users. Exclusion of certain spends (cash, fuel, rent etc.) from rewards also limits its value for broad use.

Platform

Platform Overview

Skara Financial Services

Personal Loan

Home Loan

Business Loan

Vehicle Loan

AU Vetta Credit Card