Joining Fee
₹2,999
Annual Fee
Rs. 2999 (Reversed on annual spends of Rs. 1.5 Lakhs)
Add-on Card Fee
Free per supplementary card
Vetta Credit Card
Rewards Structure
Base Reward Rate
2% on spends
Point Value
1 Point = ₹0.25
Pros
- Up to 4X reward points on grocery and departmental store spends
- Quarterly and yearly milestone benefits
- Complimentary domestic and international airport lounge access per quarter
- Complimentary railway lounge access (2 per quarter)
- Comprehensive insurance including ₹50 lakh air accident cover
- Annual fee waiver available on meeting spend threshold
- Birthday bonus reward points
- Personal concierge service
- Add-on cards at no extra cost
Cons
- Annual fee of ₹2,999 + taxes
- Domestic lounge access requires minimum ₹20,000 spend per quarter
- Utility & Telecom reward points capped at 100 per transaction
- Priority Pass usage within India is chargeable
- Only 1 domestic and 1 international lounge visit per quarter
Hidden Catches (Transparency Policy)
To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.
Domestic lounge access requires minimum ₹20,000 spend in the calendar quarter
Fuel spends and cash withdrawals excluded from milestone spend calculations
Utility & Telecom reward points capped at 100 per transaction
Cash, Rent, Education, Govt, EMI, Fuel, BBPS and Quasi Cash transactions not eligible for Reward Points
Priority Pass for international lounges issued only on customer request for cards issued from 1st June 2024 onwards
1st year fee waiver requires ₹40,000 retail spends within 90 days of card setup
Key Benefits & Features
Zero liability on fraudulent transactions after reporting card loss; protection against counterfeit/skimming and online frauds
Contactless payments up to ₹5,000 without PIN
Add-on cards at no extra cost
Eligibility Criteria
Age Requirement
21+ Years
Occupation
Notable Exclusions
*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.
These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.
About Vetta Credit Card
The AU Small Finance Bank Vetta Credit Card is designed for those who believe premium lifestyle deserves premium rewards. Built on the RuPay network with a joining and annual fee of ₹2,999, the card offers a Grand Rewards Program that earns up to 4 Reward Points per ₹100 spent on groceries and departmental stores, 2 points on other retail categories, and 1 point on insurance, utility, and telecom spends. Cardholders also receive 1,000 bonus points on their birthday when any retail transaction is completed. The Vetta card celebrates spending milestones with meaningful rewards, offering quarterly bonus points at ₹50,000 and ₹1 lakh retail spend thresholds, along with ₹1,000 worth of vouchers upon reaching ₹2.5 lakh in annual retail spends. Travel benefits include one complimentary domestic and one international airport lounge access per quarter, plus two complimentary railway lounge visits per quarter. A personal concierge service is also available for travel, dining, golf, and entertainment arrangements. Comprehensive protection coverage adds further value, including ₹50 lakh air accident cover, ₹5 lakh credit shield, and purchase protection for 90 days. Additional features include a 1% fuel surcharge waiver, zero liability on fraudulent transactions after card loss reporting, and easy EMI conversion on transactions of ₹2,000 or more.
Our Verdict
Premium lifestyle card with up to 4X rewards, lounge access, milestone benefits & comprehensive insurance cover.
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