What is the joining fee for the AU Vetta Credit Card?

The joining fee for the AU Vetta Credit Card is ₹2,999 plus applicable taxes (GST).

How can I get a waiver on the annual fee for the AU Vetta Credit Card?

The first-year fee is waived with ₹40,000 retail spend in 90 days. Subsequent years require ₹1.5 lakh spend in the anniversary year.

What are the main reward earning rates with the AU Vetta Credit Card?

Earn 4 Reward Points per ₹100 on grocery and departmental store spends, and 2 Reward Points on other retail spends with AU Vetta.

Does the AU Vetta Credit Card offer complimentary lounge access?

Yes, the AU Vetta Credit Card offers domestic and international airport lounge access, plus railway lounge access.

What is the foreign currency markup on the AU Vetta Credit Card?

The foreign currency markup on the AU Vetta Credit Card is 2.99% of the transaction amount.

What kind of insurance benefits are included with the AU Vetta Credit Card?

The AU Vetta Credit Card provides air accident cover (₹50 Lakhs), card liability cover, credit shield, and purchase protection.

Can I convert large transactions into EMIs with the AU Vetta Credit Card?

Yes, the XpressEMI feature allows you to convert transactions of ₹500 and above into EMIs using your AU Vetta Credit Card.

Is there a fee for redeeming reward points from the AU Vetta Credit Card?

Yes, a reward redemption fee of ₹99 + GST is charged when you redeem points earned on your AU Vetta Credit Card.

Who is the AU Vetta Credit Card best suited for?

The AU Vetta Credit Card is best suited for individuals who frequently spend on shopping, travel, and value premium lifestyle benefits.

What are the annual interest rates on the AU Vetta Credit Card for revolving credit?

The annual interest rate on the AU Vetta Credit Card for revolving credit is 45% (3.75% per month).

AU Small Finance Bank

AU Vetta Credit Card

ShoppingTravelPremium

Last updated: 16 November 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

First-year fee waiver on retail spends of ₹40,000 within 90 days of card setup.

Rewards Rate

Earn 4 Reward Points per ₹100 on grocery & departmental stores, 2 RPs on other retail spends.

Reward Type

Reward Points

Reward Redemption

Redeem Reward Points on AU Rewardz portal for e-vouchers, merchandise, recharges, flights/hotels.

Domestic Lounge Access

1 complimentary domestic airport lounge access per quarter on spends of ₹20,000.

International Lounge Access

1 complimentary international airport lounge access per quarter via Priority Pass (on request).

Premium Benefits

Global Concierge Assistance can arrange golf sessions.

Insurance Coverage

Covers Air Accident (₹50 Lakhs), Card Liability, Credit Shield (₹5 Lakhs), Purchase Protection (₹25,000).

Movie

Not Applicable

Dining

Dedicated concierge services can help with planning anniversary dinners.

Travel Benefits

Global Concierge Assistance for travel bookings. Comprehensive insurance covers baggage loss, flight delays.

What matters, explained clearly

Detailed evaluation to help you make the right decision

Frequently Asked Questions

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