AU Bank Vetta Credit Card

The AU Bank Vetta Credit Card has the following features and benefits:

Reward points benefits:

• Earn 1 reward point every time Rs.100 is spent for utility bills payments.
• Get 4 reward points for every Rs.100 spent at grocery and departmental stores.
• Earn 2 reward points when you spend Rs.100 on other merchant categories.

Milestone benefits:

• Get vouchers of Rs.1,000 when you spend Rs.2.50 lakh during your credit card's anniversary year. 
• Waiver of first-year fee when you spend Rs.40,000 within the first 90 days of the card being set up.
• Second-year fee waiver when Rs.1.5 lakh is spent during the previous year
• Get 500 reward points as a bonus when you spend Rs.50,000 in one calendar quarter.
• Get an additional 1,000 bonus reward points when your spends reach Rs.1 lakh in one calendar quarter.  

Birthday benefits:

• Get 1,000 bonus reward points when you use the AU Bank Vetta Credit Card to complete one retail transaction on your birthday.

Fuel benefits:

• Waiver of 1% fuel surcharge on purchase of fuel at any fuel station across the country
• To avail the fuel surcharge benefit, the transaction amount should be between Rs.400 and Rs.5,000.
• You can get a maximum waiver of Rs.250 in one statement cycle.

Railway lounge benefits:

Every calendar quarter, get 2 complimentary railway lounge visits (for the primary and add-on credit cardholder) at railway stations in these cities:

• Kolkata (Sealdah)
• Jaipur
• Delhi (Old Delhi)
• Madurai
• Chennai (Chennai Central)
• Varanasi (Varanasi Cantt)

Airport lounge benefits:

• Get 1 free airport lounge visit in India every calendar quarter, after you spend at least Rs.50,000 in the previous calendar quarter.
• 1 free airport lounge visit every calendar quarter at participating airport lounges under the Priority Pass Program.
• Only the primary cardholder gets domestic airport lounge access. 

Contactless transaction benefits:

• Make contactless payments by tapping the card at Point-of-Sale (POS) terminals of partner merchants.
• The card PIN does not have to be entered.
• Contactless payments are allowed for transaction of up to Rs.5,000.

Equated Monthly Instalment (EMI) benefits:

• Convert transactions amounting to Rs.2,000 or more into EMIs.
• Select any suitable repayment tenure.

Insurance benefits:

Card Liability Cover:

• There is zero liability if the credit card you lost has been used for fraudulent transactions (after you report the loss of the credit card).
• You are protected against online frauds, card counterfeit, and credit card skimming.

Travel coverage:

• The AU Bank Vetta Credit Card offers travel cover in the following events:
  • Delay of baggage
  • Loss of baggage
  • Hijacking of airplane
  • Loss of passport
  • Flight delay
    
    
• Concierge services: 

• The AU Bank Vetta Credit Card comes with 24x7 concierge assistance from AU Small Finance Bank to plan travel, entertainment and leisure experiences. 

Curated offers: 

• Cardholders get exclusive offers on ITC Hotels, Elivaas, Visa Meet & Greet services and DinewithVisa. 

Redemption of Points Earned on AU Bank Vetta Credit Card

The reward points you earn on the AU Bank Vetta Credit Card can be redeemed for the following:

• Purchasing partner brands' e-vouchers
• Booking of hotel rooms
• Buying merchandise from the AU Bank catalogue
• Booking flight tickets
• Recharging mobile/Direct-to-home (DTH)

Eligibility Criteria to Apply for the AU Bank Vetta Credit Card

If you want to apply for the AU Bank Vetta Credit Card, the following eligibility criteria have to be met:

• You need to be an Indian resident.
• If you are the primary cardholder, you should be between 21 years and 60 years of age.
• An add-on cardholder should be over 18 years old.

Fees and Charges of the AU Bank Vetta Credit Card

Here are the fees and charges of the AU Bank Vetta Credit Card:

Note: Interest rates updated on 30 September 2026. 

Interest-free period: Up to 50 days (not applicable for cash withdrawal). 

Summary

The AU Bank Vetta Credit Card rewards retail spends with reward points and adds bonus points and vouchers when you reach quarterly and yearly spend milestones. It also brings lounge access, a fuel surcharge waiver, insurance cover and an annual fee that can be waived on eligible spends. Compare the fees and eligibility above, then apply for the AU Bank Vetta Credit Card through BankBazaar. 

Credit cards make payments easy for all expenses online and offline while offering various benefits

Find a Card >>