The AU Bank Vetta Credit Card lets you earn reward points on grocery shopping and utility bill payments. You can also get bonus reward points when you reach the milestone spend amount set by the bank. The annual fee for this card is ₹2,999.
AU Vetta Credit Card provides premium benefits to cardholders. If you're looking for a card that gives exclusive rewards, this one is a good choice. With the Vetta Credit Card, you get lifestyle benefits, faster reward points on select purchases, 24×7 global concierge services, and complimentary access to airport and railway lounges.
The AU Bank Vetta Credit Card is ideal for individuals who spend regularly on lifestyle, travel, and online purchases. It offers 2X reward points on online spends, complimentary lounge access, Zomato Pro membership, and insurance benefits. Best suited for those who can meet the annual spend criteria to enjoy maximum value and fee waivers.
AU Bank Vetta Credit Card Rewards Program
Reward Points
10 Reward Points per ₹100 spent on utility bill payments.
4 Reward Points per ₹100 spent at grocery and departmental stores.
2 Reward Points per ₹100 spent on all other purchases.
Redemption of Points Earned on AU Bank Vetta Credit Card
You can redeem the reward points earned on your AU Bank Vetta Credit Card for:
E-vouchers from partner brands
Hotel room bookings
Merchandise from the AU Bank catalogue
Flight ticket bookings
Mobile and DTH recharges
Other Features and Benefits
Welcome Benefit
Get vouchers worth ₹2,000 on spending ₹30,000 or more within 60 days of card setup.
Milestone Benefits
Get Zomato Pro annual membership on spending ₹50,000 in any calendar month (available once per anniversary year).
Earn 500 bonus reward points on ₹50,000 spent per calendar quarter.
Earn 1,000 bonus reward points on ₹1 lakh spent per calendar quarter.
Get ₹1,000 worth of vouchers on spending ₹2.5 lakh in a card anniversary year.
Birthday Benefit
Earn 1,000 bonus reward points when you make a retail transaction on your birthday.
Complimentary Lounge Access
Airport Lounges:
Free access to 1,000+ lounges in India and abroad via Priority Pass.
1 complimentary international lounge access per calendar quarter with Priority Pass.
1 complimentary domestic lounge access per calendar quarter on spending ₹20,000 in that quarter.
Railway Lounges:
Get 2 complimentary accesses per quarter at select railway stations: Sealdah, New Delhi, Jaipur, Ahmedabad, Madurai, and Agra.
Concierge Services
24x7 assistance for travel, dining reservations, and more. Call: 1800 210 0298 (toll-free) or 022-42320298.
Fuel Surcharge Waiver
1% waiver on fuel surcharge for transactions between ₹400 and ₹5,000. Maximum waiver: ₹250 per statement cycle.
Additional Benefits
Card Liability Cover:
Zero liability for fraudulent transactions post reporting card loss. Covers online frauds and card skimming.
Priority Customer Service:
For support, email: creditcard.priority@aubank.in
Travel Insurance:
Coverage for flight delays, baggage loss, passport loss, and hijack situations. Contact: 1800 1200 1500 for details.
Xpress EMI:
Convert purchases above ₹2,000 into EMIs. Choose tenure as per your convenience.
Fees and Charges
Type of charge
Fee
Joining fee
NIL
Annual fee
Rs.2,999
Fee for an add-on card
NIL
Cash advance fee
2.5% of amount withdrawn, subject to a minimum of Rs.100
Revolving credit charge
2.99% per month (35.88% annualised)
Minimum repayment amount
5% or minimum Rs.100
Limit for cash advance
30% of the card's credit limit
Overlimit charges
2.5% of overlimit amount, subject to a minimum of Rs.500
Credit card validation fee at lounges
Rs.2
Cash processing fee
NIL
Fee for processing an outstation cheque
Rs. 25
Fee for redeeming reward points
NIL
Late Payment Charges
Less than Rs.100: NIL
Rs.100 to Rs.500: Rs.100
Rs.501 to Rs.5,000: Rs.400
Rs.5,001 to Rs.20,000: Rs.500
More than Rs.20,000: Rs.700
Processing fee for balance transfer
1% of the balance transfer amount
This fee is subject to a minimum amount of Rs.250
Foreign currency mark-up fee
2.99%
Fee for duplicate physical statement request
Rs.100
EMI conversion fee
1% of the amount you convert into EMIs
The EMI conversion fee is subject to a minimum of Rs.250
Fee for reissue of lost/damaged/stolen credit card
Rs.100
Charge for Priority Pass Lounge
$27 plus taxes per person for every visit
Goods and Services Tax (GST)
18%
Things to Know Before you apply
Get this card if:
You want premium lifestyle benefits and reward points on every spend
You frequently spend on utility bills, travel, and dining
You want lounge access and concierge services
You spend ₹50,000+ monthly to unlock bonus perks like Zomato Pro
You want credit shield and insurance coverage benefits
You prefer redeeming points for travel, vouchers, or merchandise
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For AU Bank Vetta Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
AU Bank Vetta Credit Card Hilights
What do we like about this card?
Earn 10 reward points on every Rs. 100 spent on utility bill payments.
Enjoy a credit shield cover of up to Rs. 2 lakh.
Avail 1 complimentary airport lounge access every calendar quarter through the Priority Pass Program at partner lounges.
Get a one-year Zomato Pro Membership on spending Rs. 50,000 in any calendar month.
Pros
10 reward points per ₹100 on utility bill payments
Welcome vouchers worth ₹2,000 on ₹30,000 spends in 60 days
Free railway and domestic airport lounge access (up to 4 per quarter)
Zomato Pro Membership on ₹50,000 monthly spends
Comprehensive insurance including ₹50 lakh air accident cover and ₹2 lakh credit shield
Reward redemption flexibility: Flights, hotels, vouchers, DTH, etc.
Fuel surcharge waiver on spends ₹400–₹5,000
Cons
No reward points on fuel spends
Zomato Pro is only once per card anniversary year
Annual fee of ₹2,999 (waived only on ₹4 lakh yearly spends)
Limited airport lounge access compared to other premium cards
GST at 18% applicable on all fees, charges, and interest
Au Bank Credit Card Contact Details
Contact Address: AU Small Finance Bank Ltd., Head Office: 5th Floor, Metro Plaza, New Sanganer Road, Mansarovar, Jaipur – 302020, Rajasthan, India
Simply SMS: SMS ZENITH to 5676766 to get a callback or apply
Frequently Asked Questions
Everything you need to know about this credit card
GST is charged at 18% on all applicable fees, charges, and interest on your credit card.
You get benefits like 2X reward points on online purchases, welcome vouchers, railway lounge access, fuel surcharge waiver, and more.
Yes, it supports contactless payments for transactions up to ₹5,000.
Yes, the card offers air accident insurance coverage of ₹50 lakh.
The AU Bank customer care number is 180012001500. You can also use this number to claim insurance benefits linked to your card or email the bank at creditcard.priority@aubank.in.
No, the Zomato Pro Membership is offered only once per credit card anniversary year.
No, reward points are not applicable on fuel transactions made using the AU Bank Vetta Credit Card.
You can book an XpressEMI by calling 180012001500.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
AU Small Finance Bank
Airport Lounge Access
Fuel
Travel
