AU Small Finance Bank
AU Vetta Credit Card
Annual Fee
₹3,539₹2,999 + GSTBase Reward
2% points
Foreign Markup
2.99% of the transaction amount
Product Highlights
- 4 Reward Points per ₹100 on grocery and departmental store spends
- 2 Reward Points per ₹100 on all other retail spends
- 1 Reward Point per ₹100 on utility bill payments
- 500 Bonus Reward Points on retail spends of ₹50,000 in a calendar quarter
- 1,000 Bonus Reward Points on completing one retail transaction on your birthday
Category Rewards
grocery
4X RP on grocery + departmental
4X
Specialty
4X RP on grocery + departmental
4X
utilities
1 RP utility/telecom/insurance
0.25X
Specialty
1 RP utility/telecom/insurance
0.25X
Specialty
1 RP utility/telecom/insurance
0.25X
Fee Waiver
Joining fee waived off on expenditure of ₹40,000 within 90 days of card setup, renewal fee waived off on expenditure of ₹1.5 lakh in the preceding year
Reward Calculator
Costs you ₹2,489/year
Break-even needs ~₹53,928/month at your reward mix.
₹16K
across all your buckets
4.2K
AU Reward Points
₹1.1K
via standard · ₹0.25/pt
Effective rate
0.55%
Annual fee
₹3,539
Year 1 net
₹-2,489
Year 2+ net
₹-2,489
ongoing
Adjust your spend by reward bucket
3 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per quarter · You spend ≈ ₹1.5L
500 bonus RP
Additional 1,000 RP (in addition to ₹50K tier)
per year · You spend ≈ ₹6L
₹1,000 voucher
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
cash, rent, education, government, emi, fuel, bbps, transportation, quasi cash
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
4 Reward Points per ₹100 on grocery and departmental store spends, 2 Reward Points per ₹100 on all other retail spends, and 1 Reward Point per ₹100 on utility bill payments.
- 1 Reward Point = ₹0.25 against e-vouchers, merchandise, mobile/DTH recharges, flight/hotel bookings on AU Rewardz portal
Benefits & Features
Domestic: One Free Visit Each Quarter (Spending ₹20,000 or More Each Quarter) International: One Free Visit Each Quarter (Complimentary Priority Pass membership) Complimentary lounge visits applicable for primary as well as add-on cardholders.
Pros & Cons
Pros
- Complimentary domestic and international airport lounge access
- Comprehensive insurance cover
- 24×7 dedicated concierge service
Cons
- No Reward Points on fuel purchases
- Joining fee of ₹2,999
Additional Info
Excluded Categories
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Joining fee waived off on expenditure of ₹40,000 within 90 days of card setup, renewal fee waived off on expenditure of ₹1.5 lakh in the preceding year