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AU Vetta
83/100 · ₹2,999/yr
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CARD HOLDER
YOUR NAME
EXPIRES
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AU Small Finance Bank
AU Vetta
VISA
PREMIUM
Premium VISA Top Rated

AU Vetta

by AU Small Finance Bank · Data verified 4 days ago

Premium lifestyle card with up to 7% rewards, airport meet & greet at 8 airports, 4 domestic lounges/year (1/quarter on ₹20k spend), 4 international lounges/year via Priority Pass, and complimentary golf.

83
Score
Based on rewards, fees, benefits & eligibility
₹3K
Fee
Waiver available on spending
2
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
2 RP Earn
base reward rate
4 per year Lounges
complimentary
₹2,999/yr
waiver available
83/100
CardSahayak rating
Reward Calculator

How Much Can You Earn?

Calculate your potential rewards with this card

₹ /month
₹10,000 ₹5,00,000

Your Annual Benefits

Reward Points
pts
₹
Annual Fee
Card membership
-₹2,999
Net Annual Value

You save per year!

What's Great

  • 4 Reward Points per ₹100 on Grocery & Departmental store spends
  • 1 complimentary domestic airport lounge visit per quarter on ₹20,000 spend
  • 2 complimentary railway lounge visits per calendar quarter
  • 1 complimentary international lounge visit per quarter via Priority Pass
  • Annual fee waiver on ₹1,50,000 annual retail spends

Things to Consider

  • ₹99 + GST reward redemption fee on every redemption
  • Domestic lounge access requires ₹20,000 spend in previous quarter
  • Priority Pass usage within India is chargeable
  • Lower point value on e-vouchers (₹0.20 per point)

Perfect For

Premium lifestyle Airport perks High reward earners Golf enthusiasts

About This Card

The AU Vetta Credit Card from AU Small Finance Bank is an all-in-one premium lifestyle card crafted for modern professionals and discerning travelers. Offering a well-rounded mix of accelerated rewards and travel privileges, this card turns everyday expenses into high-value returns. Cardholders earn 4 Reward Points per ₹100 on groceries and departmental store purchases, 2 Reward Points per ₹100 on regular retail spending, and 1 Reward Point per ₹100 on utilities, insurance, and telecom bills. Celebrate with 1,000 bonus points on your birthday, plus earn up to 1,500 bonus reward points every quarter through spend-based milestones and ₹1,000 gift vouchers on reaching ₹2.5 Lakh annual spends. Travel seamlessly with complimentary domestic and international airport lounge access every quarter, accompanied by 24/7 dedicated global concierge assistance and comprehensive travel insurance coverage. Ideal for urban spenders, frequent flyers, and lifestyle enthusiasts looking to elevate their dining, shopping, and travel experiences with substantial milestone bonuses and luxury travel comforts.
Annual Fee
₹2,999
Waiver
₹1,50,000 retail spends in previous anniversary year
Joining Fee
₹2,999

Other Charges

Interest Rate (APR)
Monthly on outstanding balance
3.75% - 3.75%
Foreign Transaction Fee
Markup on international txns
2.99%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹250/mo
Interest-Free Period
On new purchases if paid in full
20 to 45 days
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of amount (min ₹300) + GST
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
≤₹100
Nil
₹100.01-₹500
₹250
₹500.01-₹5,000
₹500
₹5,000.01-₹10,000
₹700
₹10,000.01-₹25,000
₹900
₹25,000.01-₹50,000
₹1,100
>₹50,000
₹1,300
Reward Points Validity
How long your earned points remain valid
2 years from earning date
Card Replacement Fee
Fee for lost or damaged card replacement
₹250
2
Reward Pts
₹0.25
Point Value
0.00%
Cashback
Welcome Bonus
Vouchers worth ₹2,000 on minimum retail spend of ₹30,000 within 60 days

Milestone Rewards

Welcome Benefit: Vouchers worth up to ₹2,000 on retail spends of ₹30,000 within first 60 days of card setup
Birthday Benefit: 1,000 Bonus Reward Points on completing a retail transaction on birthday
Quarterly Milestone: 500 Reward Points on retail spends of ₹50,000 per calendar quarter; additional 1,000 Bonus Reward Points on retail spends of ₹1,00,000 per quarter
Yearly Milestone: Vouchers worth ₹1,000 on reaching retail spends of ₹2.50 Lakhs in anniversary year
Annual fee waiver: Spend ₹1,50,000 or more in retail spends during previous card anniversary year

Reward Earning by Category

Category Reward Rate Details
Point Value: 1 point = ₹0.25 | Redemption Fee: ₹99 + GST per request

Domestic Lounges

4 per year

Int'l Lounges

4 per year

Travel Insurance

₹50L cover

Concierge

24/7 assistance

Fuel Savings

₹250/mo

Purchase Protection

₹25,000 cover

Lost Card Cover

₹0

Dining

  • •Reward points/cashback earned on dining transactions
  • •Dining privileges at select partner restaurants

Shopping

  • •Contactless (tap-and-pay) enabled
  • •EMI conversion on purchases above Rs.2,500

Travel

  • •2 complimentary railway lounge access per calendar quarter

Special Offers & Features

  • •2 complimentary railway lounge access per calendar quarter
  • •Domestic airport lounge: 1 per quarter (requires ₹50k retail spend in prev quarter)
  • •International lounge: 1 per quarter via Priority Pass (on request)
  • •Priority Pass within India is chargeable, not complimentary
  • •Excess Priority Pass visits: $35 + taxes
  • •Eligibility: Min age 21 (Salaried) / 25 (Self-Employed), Max age 60 / 65

EMI Options

  • •EMI conversion on purchases above Rs.2,500
  • •Tenure: 3, 6, 9, 12 months
  • •Interest rate: 14-24% p.a.

Card Features

Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Metal
83 out of 100

CardSahayak Score

"Apply Now" takes you to AU Small Finance Bank's official website.

Eligibility

Salaried ₹100,000/mo
Self-Employed ₹150,000/mo
Age 21-60 yrs
CIBIL 750+
Employment Salaried, Self-Employed
Card Variant Premium

Scores

Rewards 38/100
Fees 92/100
Benefits 72/100
Access 50/100

⚡ Quick Compare

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6 Active Offers

Deals & Offers

Exclusive offers available on AU Vetta

MakeMyTrip

MakeMyTrip

Explore India for less with AU Small Finance Bank and MakeMyTrip. Enjoy a flat 12% instant discount up to ₹1,800 on domestic flight bookings of ₹5,000 and above using code AUMMT.

12
Till 31 Dec 2026 AUMMT travel
Discount
Flat 12% up to ₹1,800
Min Spend
₹5,000
Max Savings
₹1,800
Valid Until
31 Dec 2026
How to Avail
Step 1: Open MakeMyTrip app or visit makemytrip.com.
Step 2: Choose domestic flight tickets totaling ₹5,000 or more.
Step 3: In the coupon code section, enter promo code AUMMT.
Step 4: Pay using your AU Small Finance Bank Credit Card to get an instant 12% discount up to ₹1,800.
Terms & Conditions

Valid on domestic flight bookings across India on MakeMyTrip platforms. Minimum booking amount is ₹5,000. Maximum instant discount is capped at ₹1,800. Valid once per cardholder per calendar month.

Use Code: AUMMT
Visit Offer
Zomato

Zomato

Feast on your favorite dishes at home. AU Bank credit cardholders get a flat 20% instant discount up to ₹150 on Zomato food delivery orders of ₹499 and above with coupon AUBANK.

20
Till 31 Dec 2026 AUBANK dining
Discount
Flat 20% up to ₹150
Min Spend
₹499
Max Savings
₹150
Valid Until
31 Dec 2026
How to Avail
Step 1: Open the Zomato app and select your favorite restaurant.
Step 2: Add food items worth ₹499 or more to your cart.
Step 3: On the checkout screen, enter promo code AUBANK.
Step 4: Complete your payment with an AU Small Finance Bank Credit Card to get 20% off up to ₹150.
Terms & Conditions

Valid on food delivery orders placed through the Zomato mobile app. Minimum cart value of ₹499 is required. Maximum discount is capped at ₹150. Valid once per customer per week.

Use Code: AUBANK
Visit Offer
BookMyShow

BookMyShow

Catch the latest movies on the big screen with AU Bank. Get a complimentary second cinema ticket on BookMyShow up to ₹200 with your AU Small Finance Bank Credit Card.

200
Till 31 Dec 2026 entertainment
Discount
Buy 1 Get 1 Free up to ₹200
Min Spend
None
Max Savings
₹200
Valid Until
31 Dec 2026
How to Avail
Step 1: Open BookMyShow and select at least 2 cinema tickets.
Step 2: Go to the payment page and click on 'Unlock Offers or Apply Promocodes'.
Step 3: Select 'Credit Card' and choose 'AU Small Finance Bank BOGO Offer'.
Step 4: Enter your AU Credit Card details to receive 100% off on the second ticket up to ₹200.
Terms & Conditions

Valid on purchase of minimum 2 cinema tickets. Discount of 100% on the second ticket up to ₹200. Internet handling fees are payable by customer. Valid once per cardholder per calendar month.

Visit Offer
Swiggy

Swiggy

Enjoy delicious meals with 15% instant savings up to ₹100 on Swiggy using your AU Small Finance Bank Credit Card with promo code AU100.

15%
Till 31 Dec 2026 AU100 dining
Discount
15% up to ₹100
Min Spend
₹499
Max Savings
₹100
Valid Until
31 Dec 2026
How to Avail
Step 1: Add food items of ₹499+ on Swiggy app.
Step 2: Enter promo code AU100 on checkout.
Step 3: Pay with AU Small Finance Bank Credit Card to get flat 15% instant savings up to ₹100.
Terms & Conditions

Valid on minimum spend of ₹499. Maximum discount ₹100 per transaction. Valid once per cardholder per month.

Use Code: AU100
Visit Offer
Croma

Croma

Save up to ₹3,000 on high-end electronics and appliances at Croma with AU Small Finance Bank Credit Cards.

₹3,000
Till 31 Dec 2026 shopping
Discount
Up to ₹3,000 Off
Min Spend
₹20,000
Max Savings
₹3,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Shop at Croma stores or croma.com.
Step 2: Ensure transaction value is ₹20,000 or above.
Step 3: Settle payment using AU Small Finance Bank Credit Card.
Terms & Conditions

Valid on minimum transaction of ₹20,000. Maximum discount ₹3,000. Valid on eligible credit cards.

Visit Offer
EaseMyTrip

EaseMyTrip

Travel smarter with flat 12% instant discount up to ₹2,000 on flight bookings on EaseMyTrip using AU Bank credit cards with coupon EMTAU.

12%
Till 31 Dec 2026 EMTAU travel
Discount
Flat 12% up to ₹2,000
Min Spend
₹5,000
Max Savings
₹2,000
Valid Until
31 Dec 2026
How to Avail
Step 1: Search domestic flights on EaseMyTrip.
Step 2: Apply coupon code EMTAU on payment screen.
Step 3: Pay with AU Small Finance Bank Credit Card.
Terms & Conditions

Valid on minimum booking of ₹5,000. Maximum discount ₹2,000. Valid once per card per month.

Use Code: EMTAU
Visit Offer
❓ FAQ

Frequently Asked Questions

Everything you need to know about AU Vetta

To be eligible, you need:
  • • Min age: 21 years
  • • Salaried: ₹100,000/month min
  • • Self-employed: ₹150,000/month min
  • • CIBIL: 750+ recommended
The annual fee is ₹2,999. The fee can be waived by ₹1,50,000 retail spends in previous anniversary year.
You earn 2 reward points per eligible transaction. Each point is worth approximately ₹0.25. Welcome bonus: Vouchers worth ₹2,000 on minimum retail spend of ₹30,000 within 60 days on activation! Redeem for flights, hotels, vouchers via AU Small Finance Bank rewards portal.
Yes! Complimentary lounge access:
  • ✓ Domestic: 4 per year
  • ✓ International: 4 per year
  • → 1 complimentary domestic airport lounge visit per quarter (4 per year) on ₹50,000 retail spend in previous calendar quarter
  • → 1 complimentary international airport lounge visit per quarter (4 per year) via Priority Pass
  • → 2 complimentary railway lounge visits per quarter
  • • Instant: Pre-approved AU Small Finance Bank customers
  • • 24-48 hrs: New customers with documents
  • • Delivery: 7-10 working days

Ready to Get Started?

Apply for AU Vetta today and unlock amazing rewards and premium experiences.

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