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Credit Cards · India

AU Bank Vetta Credit Card

Updated 15 Apr 2026Source-linked

The AU Bank Vetta Credit Card is a mid credit card from AU Small Finance Bank, with a joining fee of ₹2,999 + GST.

It earns up to 4% back on international spend spends in the form of reward points (points).

Cardholders get 4 quarterly domestic + 4 annual international airport lounge access.

AU Small Finance Bank logo
AU Bank Vetta Credit Card
Visa logo
  • Joining Fee₹2,999
  • Annual Fee₹2,999
  • Best Suited ForTravel
  • Reward TypeReward Points (points)
Rewards Rate
  • 4% on international spend
  • Base 0.50% on other spends
Welcome Benefits
  • Not applicable
AU Small Finance Bank logoAUVisa logosignaturemid
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Rewards and Benefits

Rewards Rate
4% on international spend
Base 0.50% on other spends.
Reward Redemption
AU Rewardz: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
4 visits each quarterly.
International Lounge Access
4 visits each annual.
Travel
N/A
Movie & Dining
N/A
Golf
2 round(s) / monthly.
Insurance Benefits
N/A
Other Benefits
N/A

Fees & Charges

Spend-Based Waiver
₹3,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.99%
Interest Rates
3.49% per month (41.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000.
Cash Advance Charges
2.5% or ₹300 (whichever is higher)

Product Details

  • mid card issued by AU Small Finance Bank.
  • Joining / annual fee of ₹2,999 + GST, waived on annual spends of ₹3,00,000.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (4/quarterly) + international (4/annual).

Pros & Cons

Pros
  • Annual fee waivable on ₹3,00,000 spend.
  • Low forex markup of 1.99% — suited to international spends.
  • Complimentary international airport lounge access.
Cons
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 4% on international spend

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • emi

Airport lounge access

Domestic
4 visit(s) / quarterly. Via visa.
International
4 visit(s) / annual. Via priority-pass.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000.

Sources

Last verified 15 Apr 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
730+
Income (salaried)
₹6,00,000 p.a.
Income (self-employed)
₹6,00,000 p.a.
Tagsmidtravellow forexpoints