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Vetta

AU Small Finance Bank |
Lifestyle Lounge Access Rewards

Annual Fee

₹2,999

Rewards/₹100 ⓘ

₹0.50 - ₹1.00

Normalized to balance base rate with bonus categories

Interest Rate

41.88%

Credit Score

700+

At a Glance

Key Benefits

4X on groceries, 24x7 concierge, Rs.50L insurance, MakeMyTrip perks

Lounge Access

1 domestic + 1 international lounge per quarter, 2 railway lounges

Eligibility

Salaried: Rs.25,000+/month, Age: 21-60 years, CIBIL: 700+

Quick Details

Annual Fee
₹2,999 #236
Joining Fee
₹2,999 #236
Interest Rate
41.88% p.a. #88
Forex Markup
2.99% #69
Rewards/₹100
₹0.50 - ₹1.00 #190
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
1/year #120
Min Credit Score
700+ #54
Min Monthly Income ₹25
Network VISA
Late Payment Fee ₹100
Over Limit Fee ₹500
Cash Advance Fee ₹100 2.50% (min ₹100)
Fee Waiver on Spend ₹1,50,000/yr

Reward Structure

Base

All Spends

₹0.50 /₹100
Cat

Grocery

₹1.00 /₹100

Reward Calculator

₹
Allocate by Category100%
Grocery
4.0 pts
60%₹30,000
Other Spends
2.0 pts
40%₹20,000
Your Rewards
Points Earned1,400
Cash Value₹350
Breakdown
Grocery1,000
Other Spends400
Total Value₹350
Quick amounts:

Milestone Benefits

Welcome Bonus

Rs.2,000 worth vouchers on spending Rs.30,000 within first 60 days

Spend ₹30,000 within 60 days

₹2,000

value

Airport Lounge Access

Domestic Free
1

visits per quarter

Priority Pass Free
1

visits per quarter

Insurance Coverage

Air Accident

₹50,00,000

Air accident cover of Rs.50 lakh

Purchase Protection

₹25,000

Purchase protection up to Rs.25,000

Lifestyle Perks

Concierge

1

24x7 global concierge service

Travel Desk

2 /year

MakeMyTrip: 2 complimentary domestic flight seat bookings

Quick Analysis

The AU Vetta Credit Card is a mid-tier lifestyle card best suited for those who spend heavily on groceries and utilities. The card makes sense only if you can meet the Rs.1.5 lakh annual spend for fee waiver.

Pros

  • 4 reward points per Rs.100 on groceries and departmental stores
  • Complimentary domestic and international lounge access
  • 2 railway lounge visits per quarter at select stations
  • 24x7 global concierge service included
  • Rs.50 lakh air accident cover insurance
  • Fee waiver on Rs.40,000 spend in first 90 days
  • Birthday bonus of 1,000 reward points
  • MakeMyTrip benefits - 2 free seat bookings

Cons

  • Annual fee of Rs.2,999 is high unless waived
  • Moderate reward rate of 2 points per Rs.100 on regular spends
  • No rewards on fuel, cash, rent, and EMI transactions
  • Reward redemption fee of Rs.99 applies
  • Low point value (Rs.0.25) compared to competitors
  • Monthly reward cap of 25,000 points

Best For

Frequent travelers who spend on groceries and utilities

Not Ideal For

Those seeking high reward rates or unable to meet fee waiver

Frequently Asked Questions

What is the annual fee for AU Vetta Credit Card?
The joining and annual fee is Rs.2,999 + GST. First year fee is waived on Rs.40,000 spend in 90 days. Annual fee waived on Rs.1,50,000 spend.
How many reward points do I earn?
4 reward points per Rs.100 on grocery purchases, 2 points per Rs.100 on other spends. Monthly cap of 25,000 points.
What lounge access benefits do I get?
1 domestic lounge per quarter, 1 international lounge per quarter via Priority Pass, and 2 railway lounge visits per quarter.

User Reviews

Our Rating

3.3
APPLY NOW

on AU Small Finance Bank's website

Rating Breakdown

Rewards
3.1/5 Top 73%
Benefits
3.8/5 Top 63%
Fees
3.3/5 Top 80%
Value for Money
3.4/5 Top 44%
User Reviews
3.0/5 Top 50%

Important Links

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