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AU Bank Vetta Credit Card
AU Small Finance • Visa

AU Bank Vetta Credit Card

Popular AU mid-premium card with travel and lifestyle-oriented proposition.

Annual Fee₹3000Waived on INR 3L annual spends
Base Reward1.0%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹1,620Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹3,600

Assumes base reward rate only.

Annual feeWaived

Waived on INR 3L annual spends

Net value₹3,600

Estimated savings per year.

Fee waiver target: ₹3,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Dining
2.0%
Travel
2.0%
Basedefault
1.0%

Insights

Verified card-level notes, best use-cases, and watchouts.

Expand

Insights

  • AU Bank Vetta Credit Card is best positioned as a travel + dining specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 2.0% on dining-aligned lanes, while broad base return remains closer to 1.0%.
  • No mapped complimentary lounge footprint currently contributes to card value, so spend economics are the primary decision factor.

Best Utilization

  • Route this card to travel and dining spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 3,000 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • No complimentary lounge access is currently mapped for this card.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹3,000
  • Annual fee₹3,000
  • Waiver threshold₹3,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports6
  • Approval reports3

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

AU ABC Pro Credit Card

Annual fee: ₹499

Shared focus: Dining, RewardsHigher top earn rate (2.5%)No higher annual fee vs current card
View Details

Lounge Eligibility Checklist

Policy fallback: Policy-only fallback: no stable card-level lounge-row PDF source is currently configured for AU Vetta.

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for AU Bank Vetta Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Verify current AU Vetta spend-linked lounge eligibility threshold with issuer before travel.

Quarter / cycle rule

Quarter/cycle caps may apply depending on active AU network/program terms.

Guest access

Guest access is typically lounge/program dependent unless explicitly included.

Priority Pass

Priority Pass is not confirmed in current verified PDF pipeline for AU Vetta.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Stronger benefit stack than entry-level AU cards
  • Travel and dining category focus
  • Useful upgrade step for existing AU users

Things to Consider

  • Annual fee requires planned spending for good value
  • Benefit efficiency depends on category mix
  • Not as strong as top-tier AU premium cards

About AU Bank Vetta Credit Card

AU Bank Vetta Credit Card is a points card from AU Small Finance, best for users wanting a mid-premium au card with better rewards. It is tagged under premium, travel, dining, rewards categories in our database.

PremiumTravelDiningRewards

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Frequently asked questions

Is AU Bank Vetta Credit Card lifetime free?

It has an annual fee of ₹3000. Waived on INR 3L annual spends

What rewards does AU Bank Vetta Credit Card offer?

Popular AU mid-premium card with travel and lifestyle-oriented proposition.

Does AU Bank Vetta Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider AU Bank Vetta Credit Card?

Users wanting a mid-premium AU card with better rewards

Where can I apply for AU Bank Vetta Credit Card?

Check the issuer website for application availability.