Credit Cards · Honest Review

AU Vetta Credit Card

AU Small Finance Bank · Visa

₹2,999Annual fee
2.00%Base rate
8Lounge visits/yr
₹50KMin income/mo
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Your Verdict

AU Vetta Credit Card
AU Small Finance Bank · Visa
  • ✓4 reward points per ₹100 on grocery spends
  • ✓2 reward points per ₹100 on all other retail spends
  • ✓Complimentary domestic and international lounge access (8 visits/year)
  • ✓5,000 welcome reward points on first transaction
  • ✓1% fuel surcharge waiver
₹2,999/yrAnnual fee
₹2,999
Annual fee
2.00%
Base reward rate
8/yr
Lounge access
740+
CIBIL score
Our verdict
The AU Vetta Credit Card is a premium offering from AU Small Finance Bank, rewarding everyday grocery spending at 4X and providing both domestic and international lounge access. The 5,000-point welcome bonus and 8 complimentary lounge visits per year make the ₹2,999 annual fee reasonable for moderate-high spenders.
Fees & charges

What AU Vetta Credit Card costs you

AU Vetta Credit Card carries a ₹2,999 annual fee and a ₹2,999 one-time joining fee. There is no spend-based annual fee waiver.

FeeAmount
Annual fee (year 2+)₹2,999
Joining fee (one-time)₹2,999
Foreign transaction fee (forex markup)Not disclosed / standard rates apply
Rewards & cashback

What you earn on every rupee spent

AU Vetta Credit Card earns 2.00% on all eligible spends as a base reward rate, with accelerated rates on groceries and other bonus categories listed below. Each reward point is worth ₹0.25 when redeemed, giving a clear rupee value for your earnings.

CategoryReward rate
All other spends (base rate)2.00%
🛒 Groceries4%
4%
Groceries
Welcome bonus

5,000 reward points on first transaction

Reward types: Points

Benefits & perks

Beyond the reward rate

The non-reward benefits on AU Vetta Credit Card are meaningful for frequent users. Here is what you get with the card.

🛫
Airport lounge access
Domestic lounges — 8 visits/year. International lounges via Priority Pass.
⛽
Fuel surcharge waiver
1% fuel surcharge waiver on petrol pump transactions (standard terms apply).
Eligibility

Who can apply for AU Vetta Credit Card

AU Vetta Credit Card requires a minimum net monthly income of ₹50,000 for salaried applicants and a CIBIL score of 740 or above. It is open to salaried and self-employed applicants.

₹50,000
Min monthly income
740+
CIBIL score
21–60
Age (years)
RequirementDetail
Minimum monthly income₹50,000
CIBIL score740+ (good to excellent)
Age range21–60 years
Employment typeSalaried & self-employed
Typical approval time7–10 working days
Verdict

Who should (and shouldn't) get AU Vetta Credit Card

✅ Best for
  • → Heavy spenders on groceries who want 4% back
  • → Frequent travelers who value airport lounge access
⚠️ Not ideal for
    Frequently asked questions

    AU Vetta Credit Card — Questions answered

    What is the annual fee for AU Vetta Credit Card?
    The annual fee is ₹2,999 from year 2 onwards, with a one-time joining fee of ₹2,999. There is no spend-based waiver on this card.
    What is the minimum income required for AU Vetta Credit Card?
    Salaried applicants need a minimum net monthly income of ₹50,000 and a CIBIL score of at least 740. Self-employed applicants typically need equivalent annual income proof.
    What is the reward rate on AU Vetta Credit Card for groceries?
    AU Vetta Credit Card earns 4% on groceries with no monthly cap. On all other spends, the base reward rate is 2.00%.
    Does AU Vetta Credit Card provide airport lounge access?
    Yes — AU Vetta Credit Card includes domestic airport lounge access and international airport lounge access via Priority Pass, with 8 complimentary visits per year.
    How long does it take to get AU Vetta Credit Card approved?
    Most applications for AU Vetta Credit Card are processed within 7–10 working days. Instant in-principle approval is available for pre-approved customers. Physical card delivery typically takes 3–5 business days after approval.
    How long does it take to get AU Vetta Credit Card approved?
    Most applications for AU Vetta Credit Card are processed within 7–10 working days. Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
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    Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.