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AU Bank Vetta Credit Card

Verified · September 1, 2026
4.5/5.0

Updated on September 1, 2026

AU Bank Vetta Credit Card

🎖️Reward Rate

4 Reward Points per ₹100 on Grocery and Departmental stores

Overview

The AU Bank Vetta Credit Card is a mid-premium travel and lifestyle card with a tiered rewards program, domestic and international lounge access, and comprehensive travel insurance cover.

Rewards

Reward Type

Reward Points

Reward Rate

  • 4 Reward Points per ₹100 on Grocery and Departmental stores
  • 2 Reward Points per ₹100 on all other retail merchant categories
  • 1 Reward Point per ₹100 on Insurance, Utility & Telecom (max 100 points per transaction)

Welcome Benefit

Not shown as a distinct welcome benefit tile on the official Benefits page

Milestone Benefit

500 Bonus Reward Points per ₹50,000 quarterly spend, plus 1,000 additional points at ₹1 Lakh quarterly spend; ₹1,000 vouchers at ₹2.5 Lakh annual spend; 1,000 points birthday bonus

Redemption

AU Rewardz: merchandise, mobile/DTH recharges, e-vouchers of top brands, flight/hotel bookings

Benefits

  • 4 Reward Points per ₹100 spent on Grocery and Departmental stores
  • 2 Reward Points per ₹100 spent on retail spends across other merchant categories
  • 1 Reward Point per ₹100 spent on Insurance, Utility & Telecom (max 100 points per transaction)
  • 1 complimentary domestic lounge access per calendar quarter (4/year)
  • effective 10 April 2026, requires minimum spend of ₹50,000 in the calendar quarter
  • 4 complimentary international lounge accesses annually (1 per quarter) via Priority Pass
  • Priority Pass usage within India is chargeable
  • 8 complimentary railway lounge accesses per year (2 per quarter)
  • add-on cardholders included
  • 24x7 Global Concierge Assistance for booking travel, golf sessions, dinner reservations, etc.
  • Xpress EMI — convert up to 20 transactions into EMI via AU 0101 App, Net-Banking, Auro Chat-bot, WhatsApp Banking, or phone
  • Pin-free payments for amounts up to ₹5,000 at participating merchants
  • Free add-on cards for loved ones
  • Curated Visa offers: MakeMyTrip (2 complimentary domestic flight bookings up to ₹350, 15% off select hotels), Times Prime membership, Alaya Stays villa offers
  • Comprehensive Protection Cover: up to ₹50 Lakh air accident cover
  • up to ₹5 Lakh credit shield
  • up to ₹25,000 purchase protection
  • travel covers (baggage loss/delay, flight delay, lost passport, plane hijack)
  • Card Liability Cover: zero liability on fraudulent transactions after reporting card loss
  • protection against counterfeit/skimming and online fraud

Things to Know Before you apply

AU Bank Vetta Credit Card Eligibility Criteria

  • Age: 21–65 years
  • Not disclosed by issuer (only age bands shown)
  • Salaried: 21–60 years
  • Self-Employed: 25–65 years
  • Add-on cardholder: 18+ years
  • Resident Indian

AU Bank Vetta Credit Card Customer Care

  • Concierge Service: 24x7 Global Concierge Assistance (toll-free number)

Fees & Charges

ParticularsAmount
Joining FeeFree
Annual Fee₹2,999
Foreign Currency Mark-up Fee3.49%
Cash Advance FeeNot disclosed by issuer

Fee waiver: Year 1: ₹40,000 retail spend within 90 days of card setup. Year 2 onwards: 100% waiver on spending ₹1,50,000 in the previous card-anniversary year

PaisaSimple Review

Overall Rating

4.5/5

What do we like about this card?

A well-rounded travel and lifestyle card with tiered rewards and strong insurance cover; note the forex markup fee is rising from 2.99% to 3.49% effective 1 October 2026, and lounge access now carries a quarterly spend condition.

Pros

  • Comprehensive insurance cover (₹50L air accident, ₹5L credit shield)
  • Domestic + international + railway lounge access
  • Birthday bonus and dual-tier quarterly milestones
  • 24x7 Global Concierge Assistance

Cons

  • Forex markup fee rising to 3.49% from 1 October 2026
  • Domestic lounge access requires ₹50,000 quarterly spend from 10 April 2026
  • Fuel surcharge waiver shrinking to ₹100/cycle from 1 October 2026
  • High ₹2,999 annual fee unless spend threshold met

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Fee Details

Joining Fee

Free

Annual/Renewal Fee

₹2,999

Joining Fee

₹7,000

Annual/Renewal Fee

₹7,000

Joining Fee

₹499

Annual/Renewal Fee

₹499

Lowest fees
Welcome Benefit
  • Not shown as a distinct welcome benefit tile on the official Benefits page
  • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
  • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
  • Fulfillment Timeline: Credited within 60 days of card issuance
  • 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance
Reward/Cashback Rate
  • 4 Reward Points per ₹100 on Grocery and Departmental stores
  • 2 Reward Points per ₹100 on all other retail merchant categories
  • 1 Reward Point per ₹100 on Insurance, Utility & Telecom (max 100 points per transaction)
  • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
  • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
  • Excluded Categories: Fuel transactions
  • Wallet loading
  • Cash advances
  • 24 Reward Points per ₹150 on fuel purchases at HPCL retail outlets, LPG purchases and via HP Pay App (up to 5% savings)
  • 10 Reward Points per ₹150 on utility & departmental store spends (up to 2% savings)
  • 2 Reward Points per ₹150 on all other categories
  • Accelerated points and fuel surcharge waiver apply only at eligible HPCL fuel outlets
Pros
  • Comprehensive insurance cover (₹50L air accident, ₹5L credit shield)
  • Domestic + international + railway lounge access
  • Birthday bonus and dual-tier quarterly milestones
  • 24x7 Global Concierge Assistance
  • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
  • Forex markup rate of 1.5%
  • Airport lounge and lifestyle dining privileges
  • Value-packed milestone rewards on annual spend
  • Up to 5% savings on HPCL fuel, LPG and HP Pay App transactions
  • Low ₹499 joining and annual fee
  • 4 complimentary domestic lounge visits per year
  • Annual fee waiver on ₹50,000 spend
Cons
  • Forex markup fee rising to 3.49% from 1 October 2026
  • Domestic lounge access requires ₹50,000 quarterly spend from 10 April 2026
  • Fuel surcharge waiver shrinking to ₹100/cycle from 1 October 2026
  • High ₹2,999 annual fee unless spend threshold met
  • Annual renewal fee of ₹7000
  • Reward exclusion on fuel purchases and wallet load transactions
  • Accelerated rewards and surcharge waiver limited to eligible HPCL outlets
  • Age eligibility differs by employment type (21–60 salaried, 24–65 self-employed)
  • No specific minimum income figure disclosed