AU Vetta Credit Card: Fees, Rewards & Benefits

Grocery card with lounge access

Vyaya Team · Jun 2026

5 min read

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Value Score

8.0 / 10

Annual Fee

₹2,999

Best For

Grocery-focused traveller, Mid-tier insurance seeker

Network

Visa

Expert Verdict

AU Vetta blends grocery rewards, a solid 4+4 lounge package and a real insurance suite at a Rs. 2,999 fee waived on Rs. 1.5 lakh spend. The low Rs. 0.25 point value and reduced earning on rent/insurance/government temper its rewards, but the lounge and insurance bundle make it a fair mid-premium choice for grocery-led spenders who travel.

AU SMALL FINANCE BANKVisa

AU Vetta

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REWARD SUMMARY

0.5% Base Rewards
Grocery card with lounge access

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The Bottom Line

The AU Vetta is built for grocery-focused traveller and mid-tier insurance seeker. With a ₹2,999 annual fee that is waived on ₹1,50,000 yearly spend, it offers 1% rewards on grocery and a welcome benefit worth ₹2,000. It makes the most sense if your spending matches grocery-focused traveller and mid-tier insurance seeker.

It earns a base reward rate of 0.5% and stacks best when your spending lines up with Grocery-focused traveller, Mid-tier insurance seeker. The renewal fee gets easier to justify once you can hit ₹1,50,000 in yearly spend.

What we like

+4 domestic and 4 international lounge visits per year via Priority Pass, strong for a Rs. 2,999 card

+2x on grocery (4 points per Rs. 100) on top of a 2 points per Rs. 100 base, with no monthly cap stated

+Quarterly milestone bonuses of 500 points at Rs. 50,000 and a further 1,000 at Rs. 1 lakh, plus fee waiver on Rs. 1.5 lakh annual spend

+Insurance suite of Rs. 50 lakh air accident, Rs. 5 lakh credit shield and Rs. 25,000 purchase protection, with a lower 2.99% forex markup

What we don't

–Low point value of Rs. 0.25, so base earn is ~0.5% despite 2 points per Rs. 100

–Education, government, insurance and rent earn a reduced 1 point per Rs. 100

–Fuel earns no points (surcharge waiver capped Rs. 250/cycle) and cash withdrawals are excluded from milestones

–Rs. 2,999 annual fee requires Rs. 1.5 lakh spend to waive

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal

Grocery-focused traveller

Someone who spends on groceries and wants 4+4 lounge visits and insurance cover, hitting Rs. 1.5 lakh to waive the fee.

Mid-tier insurance seeker

A user who values the Rs. 50 lakh air accident and Rs. 5 lakh credit shield cover bundled at a mid-range fee.

Probably not for

Skip

–

Rent and bill payer

Rent, insurance and government spends earn only a reduced 1 point per Rs. 100, limiting returns on those categories.

–

High-value rewards chaser

The Rs. 0.25 point value keeps effective rewards modest relative to the Rs. 2,999 fee.

Is It Worth It For You?

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Reward Rates

AU Vetta offers 0.5% basic reward rate.

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Where

Amount

₹

Grocery

Welcome Offer

Welcome Benefit

Vouchers from partner/top brands worth Rs. 2,000 on minimum retail spends of Rs. 30,000 within 60 days of card setup.

Value: ₹2,000

Milestone Benefits

Spend ₹50,000

500 Bonus Reward Points on Rs. 50,000 retail spends in a calendar quarter. Fuel spends and cash withdrawals are excluded from milestone spend calculation.

Spend ₹1,00,000

Additional 1,000 Bonus Reward Points on reaching Rs. 1,00,000 retail spends in a calendar quarter (over and above the 500 RP at Rs. 50,000).

Spend ₹1,50,000

Annual (renewal) fee of Rs. 2,999 waived on retail spends of Rs. 1,50,000 in the previous card anniversary year.

Fees & Charges

Joining fee₹2,999

Annual fee₹2,999

Fee waiverSpend > ₹1,50,000

Eligibility

Min Income: ₹6 Lakhs
Min Credit Score: 750
Resident Indian aged 21-60 (salaried) or 25-65 (self-employed); min gross monthly salary Rs 30K (salaried) or ITR Rs 5L (self-employed); CIBIL 750+.

Exclusions & Terms

Forex markup

Foreign currency markup

Cash Withdrawals

Does not earn reward points and is excluded from milestone/bonus reward point spend calculation.

Frequently Asked Questions

3 data-backed answers from our card database

What is the annual fee of the AU Vetta?+

The AU Vetta has an annual fee of ₹2,999, waived on annual spends of ₹150,000.

What rewards does the AU Vetta offer?+

It earns Reward Points, with accelerated earning on Grocery.

Does the AU Vetta offer airport lounge access?+

Yes, it includes complimentary airport lounge access. See the benefits section for visit limits.

Ready to apply?

₹2,999 annual fee. Apply on the AU Small Finance Bank website.

Apply on AU Small Finance Bank →

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