MyFinCards
Vetta Credit Card

Joining Fee

₹2,999

Annual Fee

Rs. 2999 (Reversed on annual spends of Rs. 1.5 Lakhs)

AU Small Finance Bank
Lifestyle
Rewards
Travel
Best For: Lifestyle spenders on groceries and departmental stores, Frequent domestic and international travelers, Those seeking milestone-based benefits

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

SALARIEDSELF_EMPLOYED

Notable Exclusions

No Reward Points on Cash transactionsNo Reward Points on Rent transactionsNo Reward Points on Education transactionsNo Reward Points on Government transactionsNo Reward Points on EMI transactionsNo Reward Points on Fuel transactionsNo Reward Points on BBPS transactionsNo Reward Points on Quasi Cash transactionsFuel spends and cash withdrawals excluded from quarterly/yearly milestone spend calculations

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

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.

Expert Review

Our Verdict

Premium lifestyle card with up to 4X rewards, lounge access, milestone benefits & comprehensive insurance cover.

Frequently Asked QuestionsAbout Vetta Credit Card

USAGECan I register my RuPay Credit Card on UPI if my mobile number on the UPI application is not linked to my RuPay Credit Card?
To register your RuPay Credit Card on the UPI application, you must have the same mobile number linked with your RuPay Credit Card and UPI application. If the mobile numbers do not match, you will not be able to complete the registration process. Please ensure your mobile number is consistent across both your credit card account and UPI application before attempting to register.
USAGEHow can I link my AU RuPay Credit Card to the UPI application if I have changed my mobile number?
If you have changed your mobile number, you must update the same for your RuPay Credit Card account as well. After updating your mobile number with the bank, you will need to re-register your Credit Card on the UPI application. Make sure the updated mobile number is consistent across your credit card account and the UPI application before proceeding with the re-registration.
USAGECan I convert a UPI transaction on my RuPay Credit Card to EMI?
Yes, you can convert eligible RuPay Credit Card transactions to EMI. The Xpress EMI feature allows easy EMI options on transactions worth ₹2,000 or more on select tenures of your choice. This gives you the flexibility to manage your spending conveniently by breaking larger payments into manageable monthly instalments.
INTERNATIONALWill I be able to make payments to all UPI-enabled merchants across the globe using my RuPay Credit Card?
At the moment, you can only make transactions on domestic merchants via your UPI-enabled RuPay Credit Card. International UPI payments are not supported on the AU Vetta RuPay Credit Card at this time. For international transactions, you would need to use the card directly at POS terminals or online platforms that accept RuPay cards.
USAGEHow do I link my RuPay Credit Card to the UPI application?
To link your AU RuPay Credit Card to a UPI application: Download a UPI Third Party Application (BHIM, PayTm, or Mobikwik) from the Play Store/App Store. Verify your mobile number on the UPI application and complete registration. Select the option 'Add Credit Card / Link Credit Card'. Choose AU Small Finance Bank as the Credit Card Issuer Bank. Select your AU Small Finance Bank Credit Card to be linked. Confirm the details displayed on the screen. Proceed to generate your UPI PIN if not already done.
USAGECan I authenticate UPI transactions using my AU Small Finance Bank RuPay Credit Card PIN?
No, you cannot use your AU RuPay Credit Card PIN to authenticate UPI transactions. You need to set a separate UPI PIN to authenticate payment transactions using your AU RuPay Credit Card via the UPI application. The UPI PIN is different from your card PIN and must be set up specifically within the UPI application you are using.
USAGEHow do I set my daily limit on UPI for my RuPay Credit Card or disable transactions?
You can set the daily transaction amount limit for UPI on your AU RuPay Credit Card by setting the limit on POS Usage in the AU 0101 application. If you wish to stop UPI transactions on your AU RuPay Credit Card entirely, you will need to disable the POS usage limit in the AU 0101 application. This gives you full control over your card's UPI transaction activity.
ELIGIBILITYWhat are the eligibility criteria for the AU Vetta Credit Card?
To apply for the AU Vetta Credit Card, you must be a Resident Indian. For salaried applicants, the age requirement is 21 to 60 years, while self-employed applicants must be between 25 and 65 years of age. Add-on cardholders must be above 18 years of age. Please note that these criteria are only indicative, and AU Small Finance Bank reserves the right to approve or decline any application at its discretion.
FEESWhat are the joining and annual fees for the AU Vetta Credit Card?
The AU Vetta Credit Card has a joining fee and an annual membership fee of ₹2,999 plus applicable taxes. However, the annual fee can be waived under certain conditions: for the 1st year, a fee waiver is applicable if you complete ₹40,000 in retail spends within 90 days of card setup. From the 2nd year onwards, the annual fee is waived if you achieve ₹1,50,000 in retail spends during the previous card anniversary year.
REWARDSHow does the reward points program work on the AU Vetta Credit Card?
The AU Vetta Credit Card offers a tiered reward points structure. You earn 4 Reward Points per ₹100 spent on groceries and departmental stores, 2 Reward Points per ₹100 on other retail spends, and 1 Reward Point per ₹100 on insurance, utility, and telecom transactions. Note that utility and telecom reward points are capped at 100 per transaction. Cash, rent, education, government, EMI, fuel, BBPS, and quasi-cash transactions are not eligible for reward points.
REWARDSWhat are the milestone benefits available on the AU Vetta Credit Card?
The AU Vetta Credit Card offers both quarterly and yearly milestone benefits. For quarterly milestones, you earn 500 Bonus Reward Points on ₹50,000 retail spends per quarter and an additional 1,000 Bonus Reward Points on reaching ₹1 lakh retail spends per quarter (fuel spends and cash withdrawals are excluded). For yearly milestones, you receive ₹1,000 worth of vouchers on a minimum of ₹2.5 lakh in retail spends done in a year. Additionally, you earn 1,000 Bonus Reward Points on your birthday when you complete any retail transaction.
BENEFITSWhat lounge access benefits does the AU Vetta Credit Card offer?
The AU Vetta Credit Card provides 1 complimentary domestic airport lounge access per calendar quarter, subject to a minimum spend of ₹20,000 in that quarter. It also offers 1 complimentary international airport lounge access per calendar quarter via Priority Pass at all participating lounges. Note that usage of Priority Pass within India is chargeable. Additionally, cardholders get 2 complimentary railway lounge accesses per calendar quarter. Add-on cardholders can also enjoy the railway lounge benefits within the mentioned complimentary number of visits.
BENEFITSWhat insurance and protection benefits are included with the AU Vetta Credit Card?
The AU Vetta Credit Card comes with comprehensive insurance coverage including: ₹50 lakh air accident cover in case of an accident aboard a flight, ₹5 lakh credit shield covering card outstanding balance in case of permanent total disability, critical illness, or death, and ₹25,000 purchase protection for items purchased with the card against damage, theft, or fire for 90 days from purchase. Other travel-related covers include baggage loss, baggage delay, flight delay, loss of passport, and plane hijack. Contact customer support to make a claim.
BENEFITSIs there a fuel surcharge waiver on the AU Vetta Credit Card?
Yes, the AU Vetta Credit Card offers a 1% fuel surcharge waiver on fuel transactions done between ₹400 and ₹5,000 across all fuel stations in the country. The maximum waiver is capped at ₹250 per statement cycle. Please note that fuel spends are not eligible for reward points accumulation and are excluded from milestone spend calculations.
USAGEHow can I request a Priority Pass for my AU Vetta Credit Card?
Priority Pass is issued on customer request for the Vetta Credit Card issued starting 1st June 2024. To place a request for your Priority Pass, you can call the priority customer support line at 1800 12000 1500 or send an email to creditcard.priority@aubank.in. Please note that while the Priority Pass provides access to international lounges, its usage within India is chargeable and will not be covered under the complimentary access benefit.

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