AU Bank Vetta Credit Card
Updated on September 1, 2026
🎖️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
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | ₹2,999 |
| Foreign Currency Mark-up Fee | 3.49% |
| Cash Advance Fee | Not 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
4.5/5What 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
Compare with Similar Cards
Joining Fee
Free
Annual/Renewal Fee
₹2,999
Joining Fee
₹7,000
Annual/Renewal Fee
₹7,000
Joining Fee
₹499
Annual/Renewal Fee
₹499
- • 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
- • 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
- • 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
- • 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