← Part of AU Small Finance Credit Cards in India
The AU Vetta Credit Card, launched by AU Small Finance Bank, is a premium lifestyle card designed for Indian residents aged 21 to 60 years. As of 2026, AU Small Finance Bank serves over 50 million customers across 21 states and three union territories, with more than 10 lakh active credit cards in circulation.
| Parameter | Details |
|---|---|
| Card Type | Premium lifestyle and travel-focused credit card |
| Issuer | AU Small Finance Bank |
| Joining Fee | ₹2,999 + applicable taxes |
| Annual Fee | ₹2,999 + applicable taxes (waivable on stipulated spending milestones) |
| Reward Points on Grocery/Departmental Store | 4 Reward Points for every ₹100 spent |
| Reward Points on Utility/Telecom Payments | 4 Reward Points for every ₹100 spent (maximum 100 reward points per transaction) |
| Reward Points on Other Retail Spends | 2 Reward Points for every ₹100 spent |
| Domestic Airport Lounge Access | 1 complimentary visit per calendar quarter (effective April 10th, 2026, based on minimum spend of ₹50,000 in a calendar quarter) |
| International Airport Lounge Access | 1 complimentary visit per calendar quarter (via Priority Pass, usage within India is chargeable) |
| Railway Lounge Access | 2 complimentary visits per calendar quarter (for primary and add-on cardholders) |
| Milestone Benefits | 500 bonus points on spending ₹50,000 per quarter; additional 1,000 bonus points for spending ₹1 Lakh per quarter; ₹1,000 worth of vouchers on annual spends of ₹2.5 Lakh |
| Insurance Coverage | Card Liability Insurance, Air Accident Cover, Credit Shield Cover up to ₹5 Lakhs, Purchase Protection up to ₹25,000 |
| Contactless Payment | Yes, up to ₹5,000 without PIN |
| Fuel Surcharge Waiver | Maximum waiver of ₹250 per statement cycle (transaction amount between ₹400 and ₹5,000) |
| Birthday Benefit | 1,000 bonus reward points on one retail transaction on birthday |
| Concierge Services | Complimentary (booking/third-party expenses payable by cardholder) |
| Eligibility – Age (Primary Cardholder) | 21 to 60 years |
| Eligibility – Residency | Indian Resident |
| Revolving Credit Charge (Monthly) | 3.49% |
| Revolving Credit Charge (Annually) | 41.88% |
| Foreign Currency Mark-up Fee | 3.49% |
| AU Small Finance Bank Commencement as SFB | July 21, 2017 (Source: RBI) |
| AU Small Finance Bank Inclusion in RBI Act | March 28, 2019 (Source: RBI) |
The AU Vetta Credit Card offers a strong reward structure, providing 4 reward points per ₹100 on specific categories like groceries and utilities, alongside full travel and insurance benefits for cardholders.
Vetta Credit Card: Features & Benefits
The AU Bank Vetta Credit Card offers accelerated reward points on daily spending and milestone bonuses, providing significant value for regular card users. Cardholders receive 4 reward points for every ₹100 spent on groceries, departmental stores, and utility bills, alongside complimentary lounge access benefits.
| Feature | Details | Key Benefit |
|---|---|---|
| Reward Points on Everyday Spends | 4 Reward Points for every ₹100 spent on grocery, departmental store, and utility bill payments. 2 Reward Points on all other merchant categories. 1 Reward Point on utility and telecom payments (max 100 points per transaction). | Accelerated rewards on and frequent spending categories. |
| Milestone Rewards | 500 bonus points on spending ₹50,000 per quarter. Additional 1,000 bonus points for spending ₹1 Lakh per quarter. Vouchers worth ₹1,000 on annual spends of ₹1 Lakh. | Incentivizes regular card usage with valuable bonus points and vouchers. |
| Welcome Benefits | Vouchers worth ₹1,000 every year. | Provides immediate value upon card issuance. |
| Domestic Airport Lounge Access | 1 complimentary airport lounge visit in India every calendar quarter (for primary and add-on cardholders). Access is based on a minimum spend of ₹50,000 in a calendar quarter (effective from April 10, 2026). | travel comfort with complimentary lounge access, subject to spending. |
| International Airport Lounge Access | 1 complimentary international airport lounge access every quarter (for primary and add-on cardholders) via Priority Pass. Usage of Priority Pass within India is chargeable ($35+taxes). | Offers premium lounge access for international travel. |
| Railway Lounge Access | 2 complimentary railway lounge visits every calendar quarter (for primary and add-on cardholders) at select railway stations. | Provides comfort and convenience during railway travel. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000. Maximum waiver of ₹250 in one statement cycle. No reward points earned on fuel purchases. | Saves money on fuel expenses. |
| Birthday Benefit | 1,000 bonus reward points when completing one retail transaction on your birthday. | Special reward to celebrate the cardholder’s birthday. |
| full Insurance Coverage | Card Liability Insurance coverage for lost/stolen cards. Air Accident Cover up to ₹50 Lakhs. Credit Shield Cover up to ₹5 Lakhs. Purchase Protection up to ₹25,000. Other travel-related insurance. | Provides financial security and peace of mind against various risks. |
| Contactless Payments | Tap and pay for transactions up to ₹5,000 seamlessly without entering the Credit Card PIN. | Offers quick, secure, and convenient payment options. |
These features position the AU Bank Vetta Credit Card as a strong contender for individuals seeking a blend of everyday rewards and premium lifestyle benefits.
Vetta Credit Card: Fees & Charges
The AU Bank Vetta Credit Card carries a joining fee of ₹2,999 plus applicable taxes, with a similar annual fee from the second year. Cardholders can waive the first-year fee by spending ₹40,000 within 90 days of card setup, and subsequent annual fees by spending ₹1,50,000 in the previous anniversary year.
| Metric | Value (Rs.) | Details |
|---|---|---|
| Joining Fee | 2,999 + applicable taxes | Waivable for the 1st year with ₹40,000 retail spends within 90 days of card setup. |
| Annual Fee | 2,999 + applicable taxes | Waivable from the 2nd year onwards with ₹1,50,000 retail spends in the previous card anniversary year. |
| Add-on Card Fee | 0 | Free for lifetime. |
| Interest Rate on Revolving Credit | 2.99% – 3.59% per month | Equivalent to 35.88% – 43.08% annually, depending on the cardholder’s profile. |
| Foreign Currency Transaction Mark-up Fee | 2.99% | Charged on the total transaction amount for international purchases. |
| Cash Advance Fee | 2.5% (minimum 100) | Applicable on the withdrawn amount, plus GST. |
| Overlimit Charges | 2.5% (minimum 500) | Applied if the outstanding balance exceeds the credit limit. |
| Payment Return Charges | 500 | Levied if a payment instrument (e.g., cheque) is dishonoured. |
| Late Payment Charges | Varies by outstanding amount | Typically ₹100-1,000, depending on the total outstanding balance. |
| Loan Processing Fee (on EMI conversion) | 1% (minimum 500) | For converting transactions of ₹2,000 or above into EMI options. |
| Loan Preclosure Charge (on EMI conversion) | 3% | Of the outstanding principal amount if an EMI loan is closed early. |
| Balance Transfer on EMI Processing Charges | 1% (minimum 500) | Applied to the transferred amount when moving balances from other cards. |
| Card Replacement Fee | 100 | For issuing a new card in case of loss, theft, or damage. |
| Priority Pass Usage within India | $35 + taxes | Per visit, for access to select airport lounges. |
| GST | Applicable | On all fees, charges, and interest as per government regulations. |
These charges are standard for premium credit cards in India, with waivers available based on annual spending thresholds.
Vetta Credit Card: Eligibility & Documents
To qualify for the AU Bank Vetta Credit Card in 2026, applicants must be Indian residents aged 21 to 60 years. Add-on cardholders can be over 18 years old. Meeting these criteria is for the application process.
AU Small Finance Bank assesses applications based on several factors, including income and credit history. The bank reserves the right to approve or decline applications.
- Primary Cardholder Age: Applicants for the primary Vetta Credit Card must be between 21 and 60 years old.
- Add-on Cardholder Age: Individuals over 18 years of age are eligible to be add-on cardholders.
- Residency Status: The primary applicant must be a resident of India, as per AU Bank’s criteria.
- Proof of Address: Acceptable documents include Aadhaar card, Driver’s License, Passport, or a utility bill not older than three months.
- Additional Address Proofs: Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, or a Bank Account Statement are also valid.
- Proof of Income (Salaried): Salaried individuals need to submit their latest one or two salary slips (not more than three months old) or their latest Form 16.
- Proof of Income (Self-Employed): Self-employed applicants typically provide their last three months’ bank statements.
- Application Process: The application involves submitting required documents and is subject to AU Small Finance Bank’s internal approval process.
Ensure all documentation is current and accurate to help a smooth application for the AU Bank Vetta Credit Card.
How to Apply for AU Vetta Credit Card
Applying for the AU Vetta Credit Card is a straightforward process, primarily available online through the AU Small Finance Bank’s official channels. The bank requires applicants to be Indian residents, aged 21 to 60 years for primary cardholders, with add-on cardholders needing to be over 18 years.
The application involves submitting necessary documents and is subject to the bank’s final approval, which typically takes a few days. Ensure all required proofs of address and income are ready for submission.
- Online Application Portal: Visit the official AU Small Finance Bank website and to the Credit Cards section. Select the AU Vetta Credit Card and click ‘Apply Now’ to begin the digital application.
- Mobile Number and PAN Verification: Provide your mobile number and PAN card details on the redirected page. An OTP verification will confirm your mobile number.
- Fill Application Form: Complete the online credit card application form with accurate personal, financial, and employment details.
- Document Upload: Upload scanned copies of required documents, including proof of address (e.g., Aadhaar card, Passport) and proof of income (e.g., latest salary slips, Form 16, bank statements).
- Bank Account Holders: Existing AU Small Finance Bank account holders can apply through Internet Banking or Mobile Banking for a potentially faster process.
- Customer Care Assistance: For guidance, contact AU Small Finance Bank’s customer care at 1800 1200 1500 or use WhatsApp Banking by sending “Hi” to 8383838399.
- Application Review and Approval: The bank will review your application and documents. Approval is at the discretion of AU Small Finance Bank, based on their internal eligibility criteria.
Upon approval, the AU Vetta Credit Card will be issued, and activation is recommended within 37 days to ensure all benefits are accessible.
AU Vetta Vs. Other AU Credit Cards
The AU Vetta Credit Card targets mid-level spenders with a ₹2,999 annual fee, offering accelerated rewards on groceries and departmental stores. In contrast, the AU Zenith Credit Card is positioned as a premium offering with extensive travel benefits, while the AU LIT Credit Card provides a customizable, fee-based benefits structure.
| Feature | AU Vetta Credit Card | AU Zenith Credit Card | AU LIT Credit Card |
|---|---|---|---|
| Joining Fee | ₹2,999 | Not specified | Customizable (based on chosen benefits) |
| Annual Fee | ₹2,999 (waivable) | Not specified | Customizable (based on chosen benefits) |
| 1st Year Fee Waiver | Spend ₹40,000 within 90 days | Not specified | Not applicable (customizable) |
| Subsequent Year Fee Waiver | Spend ₹1.5 lakh in previous anniversary year | Not specified | Not applicable (customizable) |
| Reward Points (Grocery & Dept. Stores) | 4 Reward Points per ₹100 spent | Not specified | Customizable (select categories) |
| Reward Points (Other Retail Spends) | 2 Reward Points per ₹100 spent | Not specified | Customizable (select categories) |
| Domestic Airport Lounge Access | 1 complimentary visit per quarter (based on ₹50,000 spend per quarter from April 10, 2026) | Yes (subject to spend requirements) | Not specified |
| International Airport Lounge Access | 1 complimentary visit per quarter (Priority Pass usage within India is chargeable at $35+taxes) | Yes (Priority Pass usage within India is chargeable) | Not specified |
| Railway Lounge Access | 2 complimentary visits per calendar quarter | Not specified | Not specified |
| Milestone Benefits | Bonus points on ₹50,000/₹1 lakh quarterly spend; ₹1,000 vouchers on ₹2.5 lakh annual spend | Not specified | Customizable (select milestone options) |
| Insurance Coverage | Card Liability, Air Accident, Credit Shield (up to ₹5 lakh), Purchase Protection (up to ₹25,000) | Not specified | Not specified |
| Concierge Service | Complimentary | Complimentary | Not specified |
| Target User | Mid-level lifestyle, frequent travelers, high everyday spenders | Premium lifestyle, extensive travel benefits | Customizable benefits for varied spending habits |
The Vetta card provides a balanced set of rewards and travel benefits for regular users, while the Zenith card focuses on premium travel perks. The LIT card offers strong flexibility, allowing users to select benefits that align with their specific spending patterns.
Vetta Credit Card: Reward Points & Redemption
The AU Bank Vetta Credit Card offers reward points on most retail spends, redeemable for e-gift vouchers and merchandise. Cardholders earn 4 reward points for every ₹100 spent on groceries, departmental stores, and utility bill payments.
All other merchant categories earn 2 reward points per ₹100 spent. These points can be redeemed via the AU 0101 app or net banking portal.
- Accelerated Rewards: Earn 4 reward points per ₹100 on specific categories like groceries, departmental stores, and utility bills.
- Standard Rewards: Get 2 reward points for every ₹100 spent on all other eligible merchant categories.
- Birthday Bonus: Receive 1,000 bonus reward points for completing one retail transaction on your birthday.
- Redemption Channels: Redeem accumulated reward points through the AU 0101 app or the AU Small Finance Bank net banking portal.
- Exclusions: Transactions for cash, rent, education, government payments, EMIs, fuel, BBPS, and quasi-cash are not eligible for reward points.
Utility and telecom spends are capped at a maximum of 100 reward points per transaction.
AU Vetta Credit Card: Customer Support
AU Small Finance Bank offers multiple channels for customer support for the Vetta Credit Card, including WhatsApp, phone banking, and physical mail. Cardholders can reach customer care from 9:30 am to 6:30 pm, seven days a week, for assistance with queries or offers. The bank has a strong network with branches across 21 states and three union territories in India.
For immediate assistance, cardholders can initiate a conversation via WhatsApp Banking by sending “Hi” to 8383838399. Alternatively, the customer care team is available on call at 1800 1200 1500 for instant support. The bank also provides a physical mailing address for correspondence: AU Small Finance Bank, Credit Card Division, Third Floor Hall C, Sunny Junction STC, New Atish Market, Jaipur, Rajasthan – 302020.
Reward points earned on the AU Vetta Credit Card can be redeemed through the AU 0101 app or the net banking portal. These points can be exchanged for e-gift vouchers, merchandise, or other redemption options. As of March 2026, AU Bank manages over 10 lakh active and outstanding credit cards across India.
Key Takeaways
- AU Vetta Credit Card customer support is available seven days a week, from 9:30 am to 6:30 pm.
- Cardholders can use WhatsApp (8383838399) or call 1800 1200 1500 for support.
- Reward points are redeemable via the AU 0101 app or net banking for vouchers and merchandise.
For detailed information and to apply, visit the official AU Small Finance Bank website.
Frequently Asked Questions (FAQs)
How can I redeem reward points earned on the AU Vetta Credit Card?
You can redeem reward points from your AU Vetta Credit Card through the AU 0101 app or the net banking portal. These points can be exchanged for e-gift vouchers, merchandise, or other redemption options offered by AU Small Finance Bank. Certain transactions like cash, rent, education, and fuel spends are not eligible for reward points.
What is the joining fee for the AU Vetta Credit Card?
The AU Vetta Credit Card has a joining fee of ₹2,999. This fee can be waived if you meet a specific spending threshold within the first 90 days of the card’s issuance. You should verify the exact spending requirement with AU Small Finance Bank.
Does the AU Vetta Credit Card offer airport lounge access?
Yes, the AU Vetta Credit Card offers access to domestic airport lounges. As of April 10, 2026, this access is based on a minimum spend of ₹50,000 in a calendar quarter. Cardholders should check the AU Small Finance Bank website for the latest terms and conditions.
What insurance benefits are included with the AU Vetta Credit Card?
The AU Vetta Credit Card includes Card Liability Insurance coverage for lost or stolen cards. IT also offers an Air Accident Cover, Credit Shield Cover of up to ₹5 lakh, and Purchase Protection of up to ₹25,000. Additional travel-related insurance benefits are also provided.
How do I apply for the AU Vetta Credit Card online?
You can apply for the AU Vetta Credit Card online directly through the official website of AU Small Finance Bank. The bank’s customer care team is also available via call at 1800 1200 1500 or WhatsApp Banking at 8383838399 to assist with applications.
Are there any transactions that do not earn reward points on the AU Vetta Credit Card?
Yes, certain transactions do not earn reward points on the AU Vetta Credit Card. These include cash withdrawals, rent payments, education fees, government payments, EMI transactions, fuel purchases, BBPS (Bharat Bill Payment System) transactions, and quasi-cash transactions. Utility and telecom spends are capped at a maximum of 100 reward points per transaction.
Is the AU Vetta Credit Card a contactless card?
Yes, the AU Vetta Credit Card is a contactless credit card. You can make payments up to ₹5,000 by simply tapping your card on a POS machine without needing to enter your PIN. This feature allows for quick and secure transactions.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.