AU Vetta Credit Card
AU Small Finance Bank
Last updated: Feb 03, 2026
₹2,999
₹2,999
2.99%
16 visits/yr
Contents
AU Vetta is a premium lifestyle and travel-focused credit card from AU Small Finance Bank designed for frequent shoppers and travellers. It offers accelerated reward points on grocery, departmental store and utility spends, along with solid base rewards on other categories. Cardholders enjoy complimentary domestic and international airport lounge access, railway lounge visits and curated lifestyle offers. The card also includes comprehensive insurance cover, fuel surcharge waiver and milestone benefits for high annual spenders.
Features of AU Vetta Credit Card which makes it unique
Everyday Rewards Optimised
High reward earn rates on grocery, departmental store and utility spends that most users make every month.
Helps maximise value on daily essentials instead of only niche luxury categories.
More focused on everyday categories compared to many travel-only premium cards.
Balanced Travel & Lifestyle Benefits
Combination of domestic and international airport lounge access, railway lounges and curated lifestyle offers.
Supports both frequent train and air travellers with meaningful comfort benefits.
Rare mix of airport and railway lounge access in this fee range.
Rewards Structure of AU Vetta Credit Card
Utility Bills
acceleratedEligible utility and telecom bill payments made using the AU Vetta Credit Card.
Best used for monthly utility and telecom spends to maximise accelerated rewards.
Grocery & Departmental Stores
acceleratedIn-store and online spends at eligible grocery and departmental store merchants.
Ideal for households that route regular grocery and essentials spends through the card.
Other Retail Spends
baseAll other eligible retail purchases excluding fuel, rent, cash withdrawals and restricted categories.
Use AU Vetta as your primary card to steadily accumulate base rewards on day-to-day transactions.
Insurance, Utility & Telecom (Standard Slab)
baseSpecified insurance and recurring utility or telecom categories when not eligible for higher slabs.
Ensures you still earn points on essential recurring payments even at a lower rate.
Milestones of AU Vetta Credit Card
Quarterly Spend Milestone – Level 1
₹50,000 retail spends in a calendar quarter : 500 bonus Reward Points credited after the statement cycle.
Quarterly Spend Milestone – Level 2
₹1,00,000 retail spends in a calendar quarter : Additional 1,000 bonus Reward Points over and above Level 1 benefits.
Annual Spend Milestone
₹2,50,000 retail spends in a card anniversary year : Vouchers worth approximately ₹1,000 from partner brands, as per prevailing offers.
Fees & Charges of AU Vetta Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,999 |
| Annual Fee | ₹2,999 |
| Forex Markup Fee | 2.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee waived on retail spends of ₹1,50,000 in the previous card anniversary year. Joining fee waived on spends of ₹40,000 within 90 days, as per current bank policy.
Fee Explanation Fees and charges are as per AU Small Finance Bank’s latest schedule, including 2.99% forex mark-up on international transactions and a tiered late payment structure.
Detailed Explanation of AU Vetta Credit Card Fees
Joining Fee: ₹2,999 + GST (once)
Waived on eligible retail spends of ₹40,000 within 90 days of card setup.
Annual Fee: ₹2,999 + GST (yearly)
Waived on achieving annual retail spends of ₹1,50,000 in the previous card anniversary year.
Foreign Currency Mark-up: 2.99% (per transaction)
Applicable on all international transactions made in foreign currency.
Cash Advance Fee: 2.5% of amount withdrawn (min ₹100) (per transaction)
Interest on cash withdrawals is charged from the transaction date until repayment.
Overlimit Charges: 2.5% of overlimit amount (min ₹500) (per occurrence)
Charged whenever the outstanding balance exceeds the assigned credit limit.
Late Payment Charges: Up to ₹1,300 (per statement cycle)
Tiered late fee based on total outstanding; nil for very small balances as per bank policy.
Lounge Access Benefits with AU Vetta Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
1 complimentary domestic airport lounge visit per quarter on completing eligible spends of ₹20,000 in the previous calendar quarter.
domestic Lounges
silverVisits per year: 4
Guest access: Yes
1 complimentary international lounge visit per quarter via Priority Pass; guest visits and additional visits are chargeable as per Priority Pass tariff.
domestic Lounges
silverVisits per year: 8
Guest access: No
Up to 2 complimentary railway lounge visits per quarter at select stations for the primary cardholder.
Insurance Coverage with AU Vetta Credit Card
Air Accident Cover
₹50,00,000Available to the primary cardholder as per AU Small Finance Bank’s insurance tie-up and policy terms.
Credit Shield
Up to ₹5,00,000Protects against outstanding card dues in case of the primary cardholder’s death or permanent disability, subject to policy terms.
Purchase Protection
Up to ₹25,000Covers eligible purchases made on the card for a limited period against damage or theft, as per insurance documentation.
Travel Inconvenience Cover
Varies by benefitIncludes limited cover for baggage loss, baggage delay, flight delay, loss of passport and plane hijack on trips booked using the card.
Additional Features of AU Vetta Credit Card
Contactless Payments
Tap-and-pay enabled for quick, secure payments without entering a PIN for lower ticket sizes.
Per-transaction limits apply as per RBI and AU Small Finance Bank guidelines.
Add-on Cards
Lifetime free add-on cards to share benefits with family members.
Add-on holder must be at least 18 years old; spends reflect on the primary card account.
XpressEMI
Convert eligible purchases of ₹2,000 and above into convenient EMIs through AU 0101, net banking, WhatsApp banking or customer care.
Processing fee and interest rate apply as per prevailing EMI conversion schedule.
24x7 Concierge
Dedicated lifestyle concierge for travel bookings, dining reservations and experiential services.
Services subject to availability and partner terms; separate charges may apply for bookings.
Welcome Bonus with AU Vetta Credit Card
Welcome Bonus: Vouchers worth ₹2,000
Bonus Conditions: Make eligible retail spends of ₹30,000 within 60 days from card setup to receive vouchers. Additional bonus reward points are offered on your birthday when you complete at least one retail transaction.
Application Process for AU Vetta Credit Card
Processing Time
Typically 5–7 business days after successful verification.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit AU Small Finance Bank’s official website, AU 0101 app or an authorised partner to express interest in the AU Vetta Credit Card.
Fill in personal details including name, mobile number, PAN, Aadhaar and employment information.
Upload or share KYC and income documents as requested by the bank.
Complete telephonic or digital verification as part of the credit assessment.
On approval, the physical AU Vetta Credit Card is printed and dispatched to your registered address.
Required Documents for AU Vetta Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
AU Vetta Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at most POS terminals and online merchants that support Visa credit cards.
International Acceptance
Accepted at millions of Visa-enabled merchants and ATMs worldwide.
Online Acceptance
Supports online payments on Indian and international websites with OTP-based 3D Secure authentication.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for AU Vetta Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian resident only
Income Requirements
Salaried Applicants
₹35,000
Minimum annual income
Self-Employed Applicants
₹50,000
Minimum annual income
Who Can Apply
Important Conditions
- Primary cardholder must be between 21 and 60 years old with a stable income and a healthy credit profile. Add-on cardholders must be at least 18 years old.
How Approval Is Decided
- Applicant must be an Indian resident aged between 21 and 60 years.
- Stable salaried or self-employed income that meets AU Bank’s internal thresholds.
- Satisfactory credit history, typically with a credit score of 700 or above and clean repayment track record.
Pros of AU Vetta Credit Card
- Good reward rates on everyday categories such as groceries and utilities.
- Complimentary airport and railway lounge access for both domestic and international travel.
- Milestone bonus points and annual voucher benefits for regular spenders.
- Comprehensive protection cover including air accident, credit shield and purchase protection.
- Add-on cards are free for lifetime, making it family-friendly.
Cons of AU Vetta Credit Card
- High joining and annual fee of ₹2,999 + GST may not suit low spenders.
- Domestic lounge access is conditional on achieving minimum quarterly spends.
- No reward points on certain categories such as fuel, rent and selected government transactions.
- Forex markup of 2.99% is standard, not ultra-low, for heavy international users.
Frequently Asked Questions about AU Vetta Credit Card
What is the joining and annual fee for the AU Vetta Credit Card?
The AU Vetta Credit Card currently charges a joining fee of ₹2,999 + GST and an annual fee of ₹2,999 + GST. Both can be waived on meeting the bank’s spend-based waiver conditions.
How do I earn reward points on the AU Vetta Credit Card?
You earn accelerated Reward Points on grocery, departmental store and utility bill payments, and base points on most other eligible retail spends. Points can later be redeemed for flights, hotels, vouchers, merchandise and more via AU Rewardz.
Does the AU Vetta Credit Card offer airport and railway lounge access?
Yes. AU Vetta offers complimentary domestic airport lounge visits, international lounge access through Priority Pass and quarterly railway lounge visits at select stations, subject to spend-based and usage conditions.
Who should consider applying for the AU Vetta Credit Card?
AU Vetta suits salaried and self-employed users who spend regularly on groceries, utilities, online shopping and travel, and can comfortably meet the annual spend thresholds to get the maximum value from rewards, lounge access and milestone bonuses.
What is the forex mark-up fee on AU Vetta international transactions?
International transactions on AU Vetta typically attract a foreign currency mark-up fee of 2.99% of the transaction amount, plus applicable taxes, which is standard for many mid to premium cards in India.
How can I apply for the AU Vetta Credit Card?
You can apply online through AU Small Finance Bank’s official website or app by filling in your personal and income details, uploading KYC documents and completing verification. Eligible customers may also be contacted by the bank with pre-approved offers.
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