About AU Bank Vetta Credit Card
AU Vetta Credit Card is a good rewards credit card for users who want higher earnings on everyday spending. As an AU Bank credit card, it offers 4 reward points per ₹100 on grocery and departmental store purchases, 2 points on other retail spends, and 1 point on utility and telecom payments. These rewards can be redeemed for vouchers, merchandise, recharges, or travel bookings.
This card also works well as a shopping credit card, especially for daily expenses. Along with rewards, it offers travel benefits like complimentary domestic and international lounge access, railway lounge access, and 24×7 concierge services. You can also earn up to 1,500 bonus reward points through milestone benefits, adding extra value for regular users.
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 Earning
- Earn 4 reward points per ₹100 on grocery and departmental store spends
- Earn 2 reward points per ₹100 on other spends
- Earn 1 reward point per ₹100 on insurance, utility and telecom spends
Reward Redemption
- Redeem points for e-vouchers, merchandise, mobile/DTH recharges, flights, hotels and more
Birthday Benefit
- Get 1,000 bonus reward points on your birthday on one transaction
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Welcome Benefit
- Get vouchers worth ₹2,000 on spending ₹30,000 or more within 60 days of card setup.
Lounge Access
- Get 1 domestic and 1 international lounge visit per quarter (Priority Pass)
- Enjoy 2 complimentary railway lounge visits every quarter
Also Check: Best Lounge Access Credit Cards
Milestone Benefits
- Earn 500 reward points on ₹50,000 quarterly spends
- Get additional 1,000 points on ₹1 lakh quarterly spends
- Get vouchers worth ₹1,000 on ₹2.5 lakh annual spends
Concierge Services
- Access 24×7 concierge services for travel, entertainment and lifestyle needs
Fuel Benefit
- Get 1% fuel surcharge waiver up to ₹250 per month on spends between ₹400–₹5,000
Also Read: Best Fuel Credit Cards
Fee Waivers
- Joining fee waived on ₹40,000 spend within 90 days
- Annual fee waived on ₹1.5 lakh yearly spend
Also Read: Best Fee Waiver Credit Cards in India for 2026
Insurance Benefits
- Air accident cover up to ₹50 lakh
- Credit shield cover up to ₹5 lakh
- Purchase protection cover up to ₹25,000
Also Read: Best Credit Cards in India 2026
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% |
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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
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
AU Bank Vetta Credit Card Highlights
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.
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
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
- Helpline:1800 1200 1500 (Toll-Free, 24x7), creditcard.support@aubank.in
- Simply SMS: SMS ZENITH to 5676766 to get a callback or apply
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Frequently Asked Questions
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.
