AU Vetta Credit Card Review
Grocery card with lounge access
The AU Vetta has a ₹2,999 annual fee + GST, waived on ₹1,50,000 annual spend. It earns 0.5% back on regular spends and up to 1% on Grocery, with 4 domestic + 4 international airport lounge visits a year. Best for: grocery spenders who travel a few times a year — our verdict: recommended.
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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.
Grocery card with lounge access
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.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealSomeone who spends on groceries and wants 4+4 lounge visits and insurance cover, hitting Rs. 1.5 lakh to waive the fee.
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
SkipRent, insurance and government spends earn only a reduced 1 point per Rs. 100, limiting returns on those categories.
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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Welcome Offer
Vouchers from partner/top brands worth Rs. 2,000 on minimum retail spends of Rs. 30,000 within 60 days of card setup.
Milestone Benefits
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.
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).
Annual (renewal) fee of Rs. 2,999 waived on retail spends of Rs. 1,50,000 in the previous card anniversary year.
Fees & Charges
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
8 data-backed answers from our card database
Ready to apply?
₹2,999 annual fee. Apply on the AU Small Finance Bank website.
Apply on AU Small Finance Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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