All cards / AU Small Finance Bank
AU Bank Vetta Credit Card
Visa
AU Bank Vetta Credit Card
AU Bank's premium lifestyle card sits between its LIT and Zenith cards — decent quarterly lounge access across domestic, international, and railway categories, but the ₹2,999 fee needs real spend discipline to justify against the reward rate.
Annual fee
₹2,999
Joining fee
₹2,999
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 720+ whose spend is concentrated in groceries, utilities, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: 1 complimentary domestic lounge visit per quarter (₹50,000+ prior-quarter spend from Apr 2026), plus 2 railway lounge visits per quarter
- International lounge access: 1 complimentary international lounge visit per quarter via Priority Pass
Benefits by category
- 🛒 Groceries
1% reward rate
- ✈️ Travel
1 domestic + 1 international (Priority Pass) lounge visit per quarter, plus 2 railway lounge visits per quarter
- 🧾 Utilities
1% reward rate
- 🌍 Forex / international spend
3.49% forex markup on international transactions
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹40,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,50,000
- Rewards redemption fee: ₹99 + GST per redemption request
- Foreign currency markup: 3.49%
- Interest rate: 45% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400–₹5,000, capped at ₹100 per statement month
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction
Benefits
- 1 domestic + 1 international (Priority Pass) lounge visit per quarter, plus 2 railway lounge visits per quarter
- 500 bonus points on ₹50,000 quarterly spend, another 1,000 points on ₹1L quarterly spend
- ₹1,000 voucher on ₹2.5 lakh annual spend
Pros
- + Domestic + international + railway lounge access, all in one card
- + Milestone bonuses reward consistent quarterly spend
- + Reasonable ₹2,999 fee for a Priority Pass-linked card
Cons
- − Base and category reward rates are unremarkable (0.5–1%)
- − Fee waiver requires ₹1.5L in prior-year spend
- − 3.49% forex markup from 1 Oct 2026
Related guides