Priority Pass
AU Small Finance Bank
Vetta
The AU Small Finance Bank Vetta Credit Card is a rewards-focused financial product designed for cardholders who want to maximize benefits on their everyday purchases. It offers 4X accelerated reward points on high-frequency spend categories such as grocery and departmental store transactions.
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Data last updated 7 June 2026.
At a Glance
Annual Fee
₹2,999
Joining Fee
₹2,999
Fee Waiver
Spend ₹1,50,000 annually
Lounge Access
1 domestic + 1 international lounge access per quarter
Forex Markup
2.99%
Effective Yield
0.5% – 1%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The AU Small Finance Bank Vetta Credit Card is a rewards-focused financial product designed for cardholders who want to maximize benefits on their everyday purchases. It offers 4X accelerated reward points on high-frequency spend categories such as grocery and departmental store transactions. Currently, the card is offered with a first-year fee of Rs. 0, and a Lifetime Free option is available on the VISA variant for cards set up before March 31, 2026.
In addition to point accumulation, the card features robust travel and milestone perks. Cardholders can access domestic, international, and railway lounges, with domestic access subject to quarterly spending criteria. High spenders are rewarded with structured milestone benefits, including quarterly bonus points and annual gift vouchers, plus a special birthday reward of 1,000 points on making a retail transaction.
This card is an ideal choice for households that direct a significant portion of their monthly expenditures toward grocery and departmental store shopping. It is also well-suited for frequent travelers who want basic lounge privileges and can meet the milestone spend of Rs. 2.5 Lakh annually to optimize their overall rewards.
What We Like
We highly appreciate the card's accelerated 4X reward rate on daily necessities like grocery shopping and departmental stores. Additionally, the inclusion of comprehensive travel perks—spanning domestic, international, and railway lounge access—coupled with birthday bonus rewards provides great value.
Pros
- ✓Earn 4X accelerated reward points on everyday grocery and departmental store purchases.
- ✓Receive a base reward rate on utility and telecom category payments.
- ✓Enjoy complimentary access to domestic, international, and railway lounges.
- ✓Earn up to 1,500 bonus reward points through quarterly milestone milestones.
- ✓Get brand vouchers valued at Rs. 1,000 annually as an annual milestone benefit.
Cons
- ✗Complimentary domestic lounge access is conditional and based on previous quarter spending.
- ✗The card carries a relatively high annual fee of Rs. 2,999 plus applicable taxes when waivers are not met.
- ✗Lounge access privileges provided by the card are somewhat limited.
Get This Card If
- ✓You are looking for a card with accelerated rewards on everyday categories, such as grocery & departmental stores
- ✓You are a frequent traveller seeking additional travel perks through complimentary lounge visits
- ✓You can spend Rs. 2.5 Lakh in a year to maximize milestone benefits
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| Grocery & Departmental Stores (4X) | 4 Reward Points (RP) per ₹100 | 1.00% | No Upper Cap on base earning |
| Utility, Telecom & Insurance | 1 RP per ₹100 | 0.25% | 100 RP per transaction |
| All Other Retail Spends | 2 RP per ₹100 | 0.50% | No Upper Cap |
| Excluded Categories (2026 Update) | No Points Earned | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹0.5 Lakh | Quarterly Bonus500 pts | ₹125 | Earn 500 bonus RP every calendar quarter upon hitting this spend target. |
| ₹1 Lakh | Additional Quarterly Bonus1,000 pts | ₹250 | Earn an extra 1,000 bonus RP (Total 1,500/qtr) on reaching ₹1 Lakh quarterly spend. |
| ₹2.5 Lakh | Annual Milestone | ₹1,000 Voucher | Awarded a ₹1,000 voucher from top brands for hitting ₹2.5 Lakhs annual spend. |
| ₹1.5 Lakh | Fee Waiver | ₹2,999 + GST Savings | Annual fee waived for the next year if annual spends exceed ₹1.5 Lakhs. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| E-Vouchers / Merchandise / Flights | ₹0.25 per RP4:1 Ratio | Best Value (Redeem via AU Rewardz portal; ₹99 + GST fee applies) |
What You Need to Know
2026 Lounge Spend Gate
Effective April 10, 2026, domestic lounge access requires ₹50k spend in the previous quarter.
Impact: Casual users will lose domestic lounge access entirely.
Transportation Purge
Points for Railroads, Taxis, Buses, and Tolls were removed in April 2026.
Impact: Significant devaluation for regular commuters and frequent road travelers.
Birthday Bonus
Earn 1,000 Bonus RP (₹250 value) for a single retail transaction done on your birthday.
Impact: An easy annual win; your UI should remind users to swipe on their birthday.
Utility Transaction Cap
Reward points are capped at 100 RP per utility/telecom transaction.
Impact: Spending more than ₹10,000 on a single bill results in a 0% yield for the excess amount.
Essential Fine Print
Reward Exclusions
Excluded Categories: Cash, Rent, Education & Govt, EMI, Fuel, BBPS, Transportation and Quasi Cash transactions are not eligible for Reward Points.
Lounge Access
Priority PassDomestic Lounge Access
1 complimentary lounge access per calendar quarter within India through the Visa program. (spend a minimum of ₹50,000 in a calendar quarter to become eligible for Complimentary Domestic Airport Lounge Access in the next calendar quarter)
International Lounge Access
1 complimentary lounge access per calendar quarter at international airports via Priority Pass.
Railway Lounge Access
2 complimentary lounge access per calendar quarter, using AU Credit Card at railway stations.
Travel Benefits
Concierge Services
24/7 dedicated concierge service for travel, hotel, golf and dining assistance.
Milestone Benefits
Quarterly Milestone Rewards
500 Bonus Reward Points on spending ₹50,000 and an additional 1,000 Bonus Reward Points on spending ₹1,00,000 within a calendar quarter.
Annual Milestone Gift
Gift vouchers worth ₹1,000 on minimum annual spends of ₹2,50,000.
Birthday Reward
Earn 1,000 Bonus Reward Points when you complete any retail transaction on your birthday.
Additional Features
Reward Accrual
4 Reward Points per ₹100 spent on Grocery, Departmental stores, and Utility bills; 2 Reward Points per ₹100 on other retail spends. 1 Reward Point per ₹100 spent on insurance, utility & telecom.
Comprehensive Insurance
Air Accident Cover of ₹50 Lakhs, Credit Shield of ₹5 Lakhs, and Purchase Protection of ₹25,000.
XpressEMI
Option to convert transactions of ₹2,000 or more into easy monthly installments.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹2,999 |
| Annual / Renewal Fee | ₹2,999 |
| Fee Waiver Threshold | Spend ₹1,50,000 annually |
| Forex Markup | 2.99% |
| Reward Redemption Fee | ₹99 per redemption |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Age Requirement
Self Employed: 25 years to 65 years; Salaried: 21 years to 60 years
Resident Status
The applicant must be a resident of India.
Ready to apply for Vetta?
Annual fee: ₹2,999 · Waived on ₹1,50,000 spend
Frequently Asked Questions
Annual fee
₹2,999
0.5% – 1% yield