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AU Bank Vetta Credit Card Review 2026
The AU Vetta credit card earns 10 Reward Points per ₹100 on utility bills and 4 RP/₹100 on grocery & departmental stores. ₹2,999 fee, waivable on ₹40,000 spend in 90 days.
3.7
/5
Card24 Score
Rewards 3.9
Travel 3.5
Fees 3.6
Last reviewed July 2026 · Card24.ai editorial team
Annual Fee
₹2,999 + GST (joining and annual)
Utility Earn
10 RP/₹100 Utility Bills*
Lounge & Travel
Quarterly Lounge Access*
Credit Card Verdict- AU Bank Vetta
What we like
- The AU Vetta credit card delivers 10 Reward Points per ₹100 (2.5% value back) on utility and telecom bill payments — one of the higher utility-bill reward rates among Indian mid-tier cards, capped at a generous 100 RP per transaction.
- Grocery and departmental store spends earn 4 Reward Points per ₹100 (1% value back) on the AU bank Vetta credit card, making it a genuinely useful everyday card for households that route regular shopping through one card.
- The AU Vetta credit card benefits extend to quarterly milestones - 500 bonus Reward Points on ₹50,000 spend and another 1,000 on ₹1,00,000 spend per quarter - plus ₹1,000 in vouchers on crossing ₹2,50,000 in annual spend, rewarding consistent usage beyond the base earn rate.
- Cardholders get 1 complimentary domestic and 1 international airport lounge visit per quarter via Priority Pass, plus 2 railway lounge visits per quarter - solid AU Vetta credit card lounge access for a card in this fee bracket, extended to add-on cardholders too.
Watch out for
- Fuel, rent, education, government, EMI, and cash transactions earn zero Reward Points on the AU Vetta credit card - this card is built for retail and bill-pay categories, not for consolidating every household expense.
- At ₹2,999+GST, the Vetta credit card AU bank carries a meaningful annual fee. The first-year waiver at ₹40,000 spend is easy to hit, but from year 2 onward you need ₹1,50,000 in the prior year - a bigger jump that casual spenders may miss.
- General retail spends outside grocery, departmental stores, and utility bills earn only 2 Reward Points per ₹100 (0.5% value back) on the Vetta AU credit card - noticeably lower than the accelerated categories, so dining, online shopping, and travel bookings return modest value.
- Lounge access on the Vetta card AU bank is limited to just 1 domestic and 1 international visit per quarter - frequent flyers who expect Zenith-style volumes should look at AU Bank's higher-tier cards instead.
Card24.ai review of the AU Vetta credit card is based on official AUbank.in data and verified aggregators as of July 2026. Annual fee ₹2,999+GST - waived at ₹40,000 spend (year 1) or ₹1,50,000 spend (year 2 onward). Reward rates, milestone thresholds, and AU Vetta credit card features are subject to change. Verify current AU bank Vetta credit card terms at AUbank.in before applying.
Credit Card Achievers - AU Bank Vetta
Is the AU Bank Vetta Credit Card Worth It in 2026?
The AU Vetta credit card is worth its ₹2,999 fee for households that regularly pay utility bills and shop at grocery or departmental stores. At 10 Reward Points per ₹100 (2.5% back) on utility payments and 4 RP/₹100 (1%) on grocery and departmental spends, it out-earns most general-purpose cards in these categories - and the first-year fee waiver at just ₹40,000 spend makes it low-risk to try.
Beyond everyday earn rates, the AU bank Vetta credit card benefits include quarterly milestone bonuses (500 + 1,000 Reward Points on ₹50,000 and ₹1,00,000 spend), a ₹1,000 annual voucher on ₹2,50,000 spend, and 1 domestic plus 1 international lounge visit per quarter via Priority Pass, along with 2 railway lounge visits. Comprehensive insurance - including ₹50 lakh air accident cover and up to ₹5 lakh credit shield - plus 24×7 global concierge round out a genuinely well-featured mid-tier lifestyle card.
That said, the AU Vetta credit card features are narrowly focused - fuel, rent, education, government, and EMI transactions earn zero Reward Points, and general retail spend earns just 2 RP/₹100 (0.5%). If most of your spending falls outside grocery, departmental stores, and utility bills, a general cashback card may deliver better all-round value than this one.
Beyond everyday earn rates, the AU bank Vetta credit card benefits include quarterly milestone bonuses (500 + 1,000 Reward Points on ₹50,000 and ₹1,00,000 spend), a ₹1,000 annual voucher on ₹2,50,000 spend, and 1 domestic plus 1 international lounge visit per quarter via Priority Pass, along with 2 railway lounge visits. Comprehensive insurance - including ₹50 lakh air accident cover and up to ₹5 lakh credit shield - plus 24×7 global concierge round out a genuinely well-featured mid-tier lifestyle card.
That said, the AU Vetta credit card features are narrowly focused - fuel, rent, education, government, and EMI transactions earn zero Reward Points, and general retail spend earns just 2 RP/₹100 (0.5%). If most of your spending falls outside grocery, departmental stores, and utility bills, a general cashback card may deliver better all-round value than this one.
Best For: Households with regular utility bill and grocery/departmental store spending who can hit ₹40,000 in the first 90 days for a fee waiver.
AU Bank Vetta Credit Card Benefits
How to Get Maximum Value from Your AU Bank Vetta Credit Card
Pay every utility and telecom bill - electricity, gas, water, broadband - through the AU Vetta credit card to capture 10 Reward Points per ₹100 (2.5% back), the card's strongest earn rate. Keep individual bills under the 100 RP per-transaction cap for maximum efficiency on larger payments.
Route grocery and departmental store purchases onto the AU bank Vetta credit card to earn 4 Reward Points per ₹100 (1% back) instead of the 2 RP/₹100 base rate. Combined with utility bills, this is the fastest way to build toward the quarterly ₹50,000 and ₹1,00,000 milestone bonuses.
Track your card spend each calendar quarter - crossing ₹50,000 earns 500 bonus Reward Points, and ₹1,00,000 earns another 1,000 on top. If you're close to a threshold near quarter-end, routing one planned purchase through the AU Vetta card can unlock the full bonus.
Hit ₹40,000 in retail spend within the first 90 days of card setup to waive the AU Vetta credit card's joining fee entirely - this is one of the easier first-year waivers among AU Bank's cards. From year 2, remember the bar rises to ₹1,50,000 in annual spend.
Plan your 1 domestic and 1 international lounge visit each quarter around your busiest travel dates, since unused AU Vetta credit card lounge access does not carry over to the next quarter. Add-on cardholders get the same quarterly allowance, so coordinate family travel accordingly.
Route grocery and departmental store purchases onto the AU bank Vetta credit card to earn 4 Reward Points per ₹100 (1% back) instead of the 2 RP/₹100 base rate. Combined with utility bills, this is the fastest way to build toward the quarterly ₹50,000 and ₹1,00,000 milestone bonuses.
Track your card spend each calendar quarter - crossing ₹50,000 earns 500 bonus Reward Points, and ₹1,00,000 earns another 1,000 on top. If you're close to a threshold near quarter-end, routing one planned purchase through the AU Vetta card can unlock the full bonus.
Hit ₹40,000 in retail spend within the first 90 days of card setup to waive the AU Vetta credit card's joining fee entirely - this is one of the easier first-year waivers among AU Bank's cards. From year 2, remember the bar rises to ₹1,50,000 in annual spend.
Plan your 1 domestic and 1 international lounge visit each quarter around your busiest travel dates, since unused AU Vetta credit card lounge access does not carry over to the next quarter. Add-on cardholders get the same quarterly allowance, so coordinate family travel accordingly.
AU Bank Vetta Credit Card Annual Fees
| Joining Fee | ₹2,999 + GST, waived on ₹40,000 retail spend within 90 days of card setup |
| Annual Membership Fee | ₹2,999 + GST per year, from year 2 onward |
| Earn Rate - Accelerated Categories | 10 RP/₹100 on utility & telecom (2.5%, capped 100 RP/transaction) | 4 RP/₹100 on grocery & departmental stores (1%) |
| Forex Markup | 2.99% on foreign currency transactions |
AU Bank Vetta Credit Card Eligibility & Documents
Age 18-65 years
Minimum annual income AU Bank does not publish a fixed minimum income threshold publicly for this card
Documents required PAN card · Aadhaar, Passport, Driving Licence or Voter ID · Income proof: salary slip
Residency Indian residents
Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.
How to Apply for AU Bank Vetta Credit Card
The application process is entirely online and takes about 5-7 minutes.
1
Application Process - Visit AUbank.in → Personal Banking → Credit Cards, or open the AU 0101 mobile app → Credit Cards → select the Vetta Credit Card
2
Documents Required - Click 'Apply Now' → enter PAN number, registered mobile number, and date of birth for an instant eligibility pre-check
3
Fill Personal details - Fill in personal and employment details: name, address, occupation, income (net monthly salary or annual ITR)
*T&C Apply
Frequently Asked Questions
The AU Vetta credit card (also called the AU bank Vetta credit card) is a mid-tier lifestyle rewards credit card issued by AU Small Finance Bank. It earns 10 Reward Points per ₹100 (2.5% value back) on utility & telecom bill payments, and 4 RP/₹100 (1%) on grocery and departmental store spends. The card carries a ₹2,999+GST joining and annual fee, waivable on spend milestones, and includes Priority Pass lounge access, railway lounge visits, and comprehensive insurance cover.
The AU Vetta card carries a joining and annual fee of ₹2,999+GST. The first-year fee is waived on ₹40,000 in retail spend within 90 days of card setup. From the second year onward, the annual fee is waived only if cumulative retail spend in the preceding card anniversary year reaches ₹1,50,000 — a threshold most regular grocery and utility-bill spenders can realistically cross.
The AU Vetta credit card earns 10 Reward Points per ₹100 (2.5% value back at ₹0.25/RP) on utility and telecom bill payments — electricity, gas, water, and mobile/broadband bills — capped at 100 Reward Points per transaction. This is one of the strongest AU Vetta credit card benefits for households, compared to the 4 RP/₹100 (1%) earned on grocery and departmental stores, and 2 RP/₹100 (0.5%) on general spends.
Yes. The AU Vetta credit card offers 1 complimentary domestic airport lounge visit and 1 complimentary international lounge visit per quarter through the Priority Pass programme, plus 2 complimentary railway lounge visits per quarter. This AU Vetta credit card lounge access extends to add-on cardholders as well, though visits do not carry over between quarters.
To apply for the AU bank Vetta credit card online, visit AUbank.in or the AU 0101 mobile app, select the Vetta Credit Card, and enter your PAN, mobile number, and date of birth for an eligibility pre-check. Fill in your income and employment details, upload KYC documents (PAN, Aadhaar or passport, income proof), complete Video KYC if prompted, and submit. Track your application status through the AU Bank website or app.