AU Vetta Credit Card Review 2026 — Fees, Rewards & Eligibility

Why Choose the AU Vetta Credit Card?

The AU Vetta Credit Card is a Premium-tier Visa credit card issued by AU Small Finance Bank, rated 4.4/5 by the Credit Card Hunt editorial team. It is best suited for Professionals. With a reward rate of Reward points and an annual fee of ₹2,999, it ranks among the popular Premium cards in India in 2026.

New cardholders are welcomed with Welcome, which adds immediate value in the first year and helps recover the ₹2,999 joining fee.

AU Vetta Credit Card Fees & Charges

AU Vetta Credit Card Rewards & Benefits

Key Highlights of the AU Vetta Credit Card

• Travel + lifestyle
• Reward points
• Lounge

AU Vetta Credit Card Eligibility Criteria

• Age: 21-60 years
• CIBIL score: 750+
• Minimum income: ₹6
• 00
• 000/year

Minimum Income Required: ₹6,00,000/year

Advantages of the AU Vetta Credit Card

• Highly Achievable Milestones: The quarterly spending threshold of ₹50
• 000 is relatively easy to hit
• offering a great way to unlock regular ₹1
• 000 gift vouchers.
• Rare Railway Lounge Perks: The inclusion of railway lounge access makes it highly practical for domestic train travelers in India.
• Birthday Spending Booster: Earns a higher rate of 10 Reward Points per ₹100 on all retail transactions completed on your birthday.
• Complimentary Insurance Covers: Includes useful protections like a ₹25 Lakhs Air Accident Cover and Card Liability Cover up to ₹1.5 Lakhs.
• Fuel Surcharge Waiver: 1% fuel surcharge waiver at all gas stations in India for transactions between ₹400 and ₹5
• 000 (capped at ₹250 per month).

Drawbacks of the AU Vetta Credit Card

• No Free International Lounges: While it grants a Priority Pass membership
• actual visits to international airport lounges are fully charged at standard rates ($35 per visit).
• Low Baseline Reward Rate: Everyday retail spending outside of utility
• grocery
• and milestone categories drops to a modest base rate of 2 Reward Points per ₹100 (a 0.5% return value).
• High Forex Markup Fee: Cross-border international transactions carry a standard high markup fee of 3.49%.
• Strict Point Exclusions: No reward points are awarded on routine spending categories like rent payments
• insurance
• wallet loads
• and EMI conversions.
• High Renewal Waiver Target: The annual renewal fee is only waived if you spend a substantial ₹1
• 50
• 000 within the previous membership year.

AU Vetta Credit Card — Frequently Asked Questions

What is the annual fee of the AU Vetta Credit Card?

The AU Vetta Credit Card has an annual fee of ₹2,999 and a joining fee of ₹2,999. New cardholders receive Welcome as a welcome benefit, which helps offset the joining cost.

Does the AU Vetta Credit Card offer airport lounge access?

Yes — the AU Vetta Credit Card offers 1 complimentary domestic airport lounge visit per quarter across India.2 complimentary lounge visits per quarter at select Indian railway stations..

Who is eligible for the AU Vetta Credit Card?

The minimum income requirement is ₹6,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.

What is the reward rate of the AU Vetta Credit Card?

The AU Vetta Credit Card earns Reward points. It is best suited for Professionals.

Credit Cards Similar to the AU Vetta Credit Card

If you are considering the AU Vetta Credit Card, these premium credit cards are worth comparing before you apply:

• HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
• Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
• Gold Charge Card by American Express — rated 4.6/5, ₹4,500 annual fee
• Membership Rewards Credit Card by American Express — rated 4.6/5, ₹4,500 annual fee