This is the same product on a different payment network. Everything on this page applies to both rails — the differences are below. Pick the rail you want; you apply for it directly with the bank.
Same rewards, perks and ₹2,999 fee, on RuPay - UPI-linkable, with UPI spends earning the card's category rate.
In-depth review
AU Bank Vetta Credit Card
A competent mid-tier lifestyle card — 4X on groceries, quarterly milestone bonuses, a birthday bonus and lounge access — that does its job for existing AU customers without standing out against the big banks. The 2026 change putting lounge access behind a ₹50,000-quarterly-spend gate brings it in line with the market. Easy to recommend to AU customers; hard to recommend over the majors.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
1% on Groceries
4 reward points per ₹100 on grocery and departmental stores (1 point ≈ ₹0.25)
0.5% on Other
2 reward points per ₹100 on other retail spends
Airport Lounge Access
1 domestic airport and 2 railway lounge visits each quarter using the AU card itself, plus 1 international visit per quarter via Priority Pass (domestic airport access needs ₹50,000 quarterly spend from Apr 2026)
Annual Fee Waiver
Fee of ₹2,999 + 18% GST (₹3,539 all-in)/yr fully waived when you spend ₹1,50,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹100/month
Milestone Bonus
~₹3,000 in bonus rewards on hitting annual spend milestones
UPI Linked
Pay UPI QR codes from your credit line. What UPI payments earn can depend on the app you pay through, so check the rewards details.
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
4 visits/yr
Domestic lounges
Priority Pass
International lounges
₹7,200
Estimated annual value
3.49%
Forex markup
- Domestic + international airport lounge access (4 domestic visits/yr, worth ~₹7,200)
For AU Bank customers who have outgrown Altura and want accelerated rewards on grocery and departmental-store spends before committing to Zenith. Moderate lifestyle benefits for a ₹2,999 fee (waived at ₹1.5 lakh annual spend).
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Groceries | reward points | 1%4 pts/₹100 × ₹0.25 | — |
| Other | reward points | 0.5%2 pts/₹100 × ₹0.25 | — |
| Utility Bills | reward points | 0.25%1 pts/₹100 × ₹0.25 | — |
| Insurance | reward points | 0.25%1 pts/₹100 × ₹0.25 | — |
Groceries: 4 reward points per ₹100 on grocery and departmental stores (1 point ≈ ₹0.25)
Other: 2 reward points per ₹100 on other retail spends
Utility Bills: 1 reward point per ₹100 on utility and telecom spends, max 100 reward points per transaction
Insurance: 1 reward point per ₹100 on insurance spends
Earns nothing on: Rent · Education · Government & Tax · EMI Conversions · Fuel · Cash Advances · BBPS bill payments · Transportation (Apr 2026) · Quasi-cash transactions
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹3,539 |
| Joining fee (incl. 18% GST) | ₹3,539 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.49% |
| Fuel surcharge waiver | 1%, cap ₹100 |
Perks & benefits
Estimated annual value beyond rewards — ~₹10,700/yr in total.
1 domestic airport and 2 railway lounge visits each quarter using the AU card itself, plus 1 international visit per quarter via Priority Pass (domestic airport access needs ₹50,000 quarterly spend from Apr 2026)
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped ₹100 per statement cycle since 1 October 2026 (₹250 before)
500 bonus points on ₹50,000 and 1,000 more on ₹1 lakh quarterly spend (fuel spends and cash withdrawals excluded from the milestone calculation), a ₹1,000 voucher on ₹2.5 lakh annual spend, plus 1,000 points on a birthday transaction — annual equivalent modelled
Should you get it?
- Best for: AU Bank account holder wanting a lifestyle step-up, Already has Altura and wants more grocery rewards, Mid-tier card within the AU Bank ecosystem, AU Bank salary-account holder in the mid-income segment
- Mid tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Groceries (1% back).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- Annual fee (₹2,999) waived at ₹1.5 lakh of annual spend
- 4X grocery and departmental-store rewards for AU customers, with the fee waivable on spend
- Step-up from Altura with meaningful lifestyle benefits
- Lounge access at the mid-tier
✕ Cons
- Neither reward rates nor perks stand out against same-tier cards from major banks
- AU Small Finance Bank ecosystem smaller — fewer partner benefits
- Its case rests on AU banking relationship, not standalone value
- Should be compared with Axis ACE (lower fee, better cashback) before applying
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / address proof
- 📄Income proof (salary slips or ITR)
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Redeem reward points for statement credit at ₹0.25 each
- 🎁Gift vouchers via the AU rewards catalogue (₹0.20 per point)
- 🎁A ₹99 + GST fee applies per redemption
What your AU Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
Neither the rewards nor the perks stand out against same-tier cards from larger banks — its case rests entirely on already banking with AU.
Frequently asked questions
What is the reward rate on AU Vetta?
Is lounge access free?
How do milestones work?
How has the AU Bank Vetta Credit Card changed over time?
Has the AU Bank Vetta Credit Card been devalued recently?
When did the AU Bank Vetta Credit Card's fees last change?
How did the AU Bank Vetta Credit Card change in 2026?
The bottom line
Vetta fills the gap between Altura and Zenith for a modest ₹2,999 fee (waived at ₹1.5 lakh spend). Reasonable grocery earn for AU loyalists, but in our analysis it exists mainly to keep you in the AU ladder rather than to win on merit.
How this page was built
Counted from this card’s own record: 4 earn rules, the spends listed as earning nothing and 3 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the AU Bank Vetta Credit Card are taken from AU Small Finance Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for AU Small Finance Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Similar & related cards
Other cards worth comparing before you apply.
AU Ananta Credit Card
Same tier with similar rewards
AU LIT Credit Card
Lifetime-free alternative
AU Laksya Credit Card
Lower annual fee, similar tier
ICICI Bank Rubyx Credit Card
Comparable ICICI option
IndusInd Bank EazyDiner Signature Credit Card
Comparable INDUSIND option
Axis Bank Privilege Credit Card
Lower annual fee, similar tier
Read more
Guides and reviews related to this card.
AU Bank Vetta Credit Card
A competent mid-tier lifestyle card — 4X on groceries, quarterly milestone bonuses, a birthday bonus and lounge access — that does its job for existing AU customers without standing out against the big banks. The 2026 change putting lounge access behind a ₹50,000-quarterly-spend gate brings it in line with the market. Easy to recommend to AU customers; hard to recommend over the majors.
AU Zenith Credit Card
The AU Zenith was a credible big-bank alternative — until the January 2026 devaluation gutted it. Base rewards cut to 3 RP, dining slashed 75%, and the quarterly voucher and Taj Epicure membership both deleted. AU's newer Zenith+ now costs ₹3,000 a year less (₹4,999 against ₹7,999) and is worth comparing. For a new applicant it's been devalued out of contention; only an existing AU customer whose spend fits the new structure should hold on.
AU Laksya Credit Card
A mid-tier everyday-and-family card that pays 5 reward points per ₹100 (~1.25%) on groceries, departmental stores and contactless spends — grocery/departmental capped at 1,000 points a cycle — with 8 domestic airport lounge visits a year (2 a quarter, unlocked by ₹50,000 previous-quarter spend) and buy-one-get-one movie tickets each month. Off-category retail earns 2 points per ₹100 (~0.5%). The ₹1,000 fee waives on ₹2,00,000 of annual spend, so it isn't free, but it's easy to justify for a grocery-heavy household.
AU Ananta Credit Card
A mid-tier rewards card that earns hard where most people actually spend: 5 reward points per ₹100 on shopping, dining and travel (~1.25% at ₹0.25 a point, capped at a shared 5,000 points a cycle), with an 8,000-point welcome that covers most of the first-year fee. Off those three categories the base is 2 points per ₹100 (~0.5%), and a four-step milestone ladder pays from ₹2.5 lakh of annual spend up to 50,000 bonus points at ₹10 lakh. The ₹2,000 fee waives on ₹3,00,000 of annual spend.
AU CS Credit Card
A lifetime-free metal card built specifically for Company Secretaries — 8 reward points per ₹100 (~2%) on dining, travel, tax payments and software, plus 2 domestic airport lounge visits a quarter and 25% cashback on your ICSI membership renewal. It earns hard on exactly the categories a practising CS spends on, at zero fee. The one catch is the door: you must be an ICSI member to hold it, so it is not open to the general applicant.
AU Altura Plus Credit Card
A ₹499 RuPay card that pays 1.5% cashback on offline retail (capped ₹100 per statement cycle) and 2X reward points (2 per ₹100) online, with a recurring 500-point monthly milestone for steady spenders. It's a sensible second rung above the entry Altura, not a rewards engine — and the one thing to get right before applying is that the lounge access is railway, not airport.
AU Altura Credit Card
A basic entry cashback card — 2% on groceries, departmental stores and utilities (capped ₹50/month), plus a fuel surcharge waiver — best understood as a credit-building starter, not a rewards engine. The one thing to correct before applying: it offers railway lounge access, not airport lounges. Take it for what it is, build your score, and upgrade later.
AU CA Credit Card
A genuinely rare thing — a lifetime-free metal card with airport lounge access — but only if you're a Chartered Accountant. It earns 8 reward points per ₹100 (~2% at ₹0.25 a point) on dining, travel, tax payments and software, the exact spends a practising CA makes, for no fee. The single fact to get right: it is profession-gated to ICAI members, so most readers simply can't apply.
AU Zenith Plus Credit Card
AU's metal premium card, priced at ₹4,999 to undercut the older ₹7,999 Zenith. AU values 1 reward point at ₹1, which makes the 2 points per ₹100 on dining, travel and international a genuine 2% return (1% elsewhere) — but the privileges are still the point: a Taj Epicure membership gated behind ₹12 lakh of annual spend, 32 lounge visits a year, golf and BookMyShow tickets. Eligibility is steep at AU's published ₹2.5 lakh monthly income.
AU LIT Credit Card
India's most genuinely novel card — a fully modular, build-your-own-benefits product where you toggle features on and off each quarter via the AU 0101 app. For the engaged user who actively manages it, it extracts real, tailored value. For the set-and-forget majority, it quietly delivers one of the weakest default rates in the market. The 2024 devaluation shrank the menu it depends on. Get it only if you'll genuinely manage it.
AU Traverse Credit Card
An NRI-only premium travel card built around a low 0.99% forex markup and global lounge access. For a Non-Resident Indian who spends across borders, the forex saving and international lounges are the real draw, and a ₹5,000 MakeMyTrip welcome voucher offsets part of the ₹4,999 fee. The catch is the first line of the pitch: resident Indians simply cannot hold it, and the base reward rate is modest.
AU Xcite Ultra Credit Card
The points-flavoured Xcite — the same ₹749 RuPay card as the cashback Xcite Ace, but earning by transaction channel rather than category: 4 reward points per ₹100 on offline spends, 8 per ₹100 online and 12 per ₹100 on international spends, plus monthly and anniversary milestone points and quarterly airport-lounge access gated on ₹50,000 of previous-quarter spend. The online channel (≈2% at ₹0.25 a point) is the real story; the 12-point international headline is a trap, since ≈3% back still trails the 3.49% forex markup.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2021 · last change Oct 2026
2026
- ▼ FeeEffective 1 Oct 2026
Forex markup raised from 2.99% to 3.49%
2.99% on international transactions→3.49% on international transactions
From 1 October 2026 AU raised the Vetta's cross-currency markup from 2.99% to 3.49%, so an international spend now costs about 4.1% on top once GST is added. AU announced it on the card's own page ("Effective 1st October 2026, Forex Markup will be revised from 2.99% to 3.49% for your international transactions") and moved the card into its 3.49% group in the Key Fact Statement v1.9 and the MITC dated 30 September 2026; the July 2026 editions still listed it at 2.99%.
Verification: AU Small Finance Bank ↗ · Confidence: High
- ▼ FeeEffective 1 Oct 2026
Fuel surcharge waiver cap cut from ₹250 to ₹100 a month
1% waiver, capped at ₹250 per statement month→1% waiver, capped at ₹100 per statement month
From 1 October 2026 the Vetta's 1% fuel surcharge waiver (on fills of ₹400 to ₹5,000) is capped at ₹100 per statement month, down from ₹250, so the most it can save in a year falls from ₹3,000 to ₹1,200. AU announced it on the card's own page ("Effective 1st October 2026, Fuel Surcharge Waiver will be up to ₹100 per statement cycle") and moved the card into the ₹100 row of its MITC dated 30 September 2026.
Verification: AU Small Finance Bank ↗ · Confidence: High
- ▼ FeeEffective 1 Jul 2026
Fuel fair-usage terms tightened — trigger halved, levy on the whole aggregate
1% fair-usage charge once monthly fuel spends exceeded 50% of the credit limit or ₹50,000→1% on the entire aggregate once a single fuel transaction exceeds ₹10,000 or monthly fuel spends exceed ₹25,000
From 1 July 2026 AU tightened its fuel fair-usage charge: the trigger dropped from ₹50,000 of aggregate fuel spend in a calendar month to ₹25,000 (or a single fuel transaction above ₹10,000), and the 1% charge is now levied on the entire aggregate fuel spend for the month rather than the portion above the threshold. Fair-usage charges do not apply to international transactions. The complimentary fuel-surcharge waiver bands are unchanged.
Verification: AU Small Finance Bank ↗ · Confidence: High
- ▼ FeeEffective 14 Jun 2026
New 1% fair-usage charge on transportation spends
No transportation fair-usage charge→1% on the entire aggregate once monthly transportation spends exceed 50% of the credit limit or ₹25,000, whichever is lower
From 14 June 2026 AU levies a 1% fair-usage charge when aggregate transportation spends (MCC 4111, 4112 and 4784 — local commuter transport, passenger rail and tolls) in a calendar month exceed 50% of the credit limit or ₹25,000, whichever is lower. The charge applies to the entire aggregate transportation spend for the month, not just the excess. IRCTC and select marquee travel partners are excluded, international transactions are out of scope, and AU exempts the ixigo AU co-brand variants entirely. This charge is separate from (and adds to) the April 2026 removal of reward-point earning on transportation MCCs.
Verification: AU Small Finance Bank ↗ · Confidence: High
- ▼ LoungeEffective 10 Apr 2026
Domestic lounge spend-gate raised to ₹50,000/quarter
₹20,000 minimum spend per calendar quarter (since 2025-01-01)→₹50,000 minimum spend per calendar quarter
Effective 10 April 2026, AU raised the domestic-airport-lounge quarterly spend threshold from ₹20,000 to ₹50,000 bank-wide — the same notice that introduced the transportation-MCC reward exclusion. Vetta was already spend-gated since 1 January 2025, so this is a rate increase, not a new restriction. International and railway lounge visits (1 and 2 per quarter respectively) are unaffected. (Dating note, 2026-08-06: AU's own surfaces carry both 1 April and 10 April 2026 as the effective date of the transportation change, and the bank-wide revision PDF originally cited for it now serves a lounge-only notice at the same URL; both dates are disclosed rather than silently picking one.)
Verification: AU Small Finance Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/au-vetta#value-timeline">AU Bank Vetta Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
Terms & reward changes
Tracked updates to this card's fees, rewards and benefits — newest first.
- 💳 Fee changeEffective 1 Oct 2026
From 1 October 2026 AU's forex mark-up on this card is 3.49% (it was 1.99% on the Zenith, 2.99% on the Vetta).
- 💳 Fee changeEffective 1 Oct 2026
From 1 October 2026 AU caps this card's fuel-surcharge waiver at ₹100 per statement cycle.
Want to know if this beats your current card for your spending?
Applications are submitted to and decided by AU Small Finance Bank. CardAdvisor does not issue cards or process applications.