Priority Pass
AU Small Finance Bank
Vetta
The AU Vetta is a premium "household" card that excels in everyday utility, offering a massive 2.5% reward rate (10 pts/₹100) on utility bills and 1% on groceries.
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Data last updated 26 May 2026.
At a Glance
Annual Fee
₹2,999
Joining Fee
₹2,999
Fee Waiver
Spend ₹1,50,000 annually
Lounge Access
1 domestic + 1 international lounge access per quarter
Forex Markup
2.99%
Effective Yield
0.5% – 1%
Our Take
The AU Vetta is a premium "household" card that excels in everyday utility, offering a massive 2.5% reward rate (10 pts/₹100) on utility bills and 1% on groceries. While its ₹2,999 fee is higher than its siblings, the ₹2,000 welcome vouchers and milestone bonuses make it a high-yield tool for families managing significant monthly overheads.In 2026, the Vetta card follows the market trend toward "performance-based" perks. To unlock its 1 complimentary domestic lounge visit, you must now hit a ₹20,000 spend requirement in the previous quarter. An unbiased review must highlight its standout feature: a rare 1,000-point birthday bonus for just one transaction, alongside 2 railway lounge visits per quarter. While the 1% base reward rate is standard, the lack of air mile transfers and the ₹1.5 lakh annual fee waiver target it squarely at domestic spenders. Its 0.25% point value is transparent, ensuring your utility rewards translate directly into high-value brand vouchers or flight bookings.
Pros
- Elite 2.5% Utility Yield: Earns 10 Reward Points per ₹100 spent on utility bills. With 1 RP = ₹0.25, this is a consistent 2.5% value-back—one of the highest 'uncapped' utility reward rates in the ₹3,000 fee segment.
- Accelerated Grocery & Shopping Rewards: Offers 4 Reward Points per ₹100 (1% value-back) on Grocery and Departmental stores. While the base rate is lower, this category covers the bulk of a typical family's monthly budget, making it a steady point-accumulator.
- Comprehensive Domestic & International Lounge Suite: Includes 1 complimentary domestic airport lounge visit and 1 international visit (via Priority Pass) per calendar quarter. Uniquely, it also provides 2 complimentary railway lounge visits per quarter, covering all modes of travel.
- Lucrative Birthday Bonus: Grants 1,000 Bonus Reward Points (worth ₹250) for any retail transaction made on your birthday. This 'easy win' effectively provides a free gift from the bank every year just for staying active.
- Global 24/7 Concierge Service: Unlike many cards at this price point, the Vetta includes a dedicated concierge for booking travel, dining, or even golf sessions. This 'premium-touch' service adds significant soft-value for busy professionals.
Cons
- New 2026 Lounge Spend Hurdle: As of April 2026, domestic lounge access is no longer automatic. You must spend at least ₹50,000 in the previous calendar quarter to unlock your quarterly visit. If you use the card only for utilities, you might miss this threshold.
- Fragmented Milestone Rewards: To get the 1,500 bonus points (worth ₹375) per quarter, you must spend exactly ₹1 Lakh. This is a relatively low 'milestone bonus' compared to the effort required, especially when compared to the Amex Platinum Travel milestones.
- Restrictive 'Dead' Category List: Following the latest 2026 policy, zero reward points are earned on Fuel, Rent, Education, and Government payments. These categories are also strictly excluded from the ₹1.5 Lakh annual fee-waiver calculation.
- High Foreign Markup: At 2.99% + GST, this is not a card for international spending. Despite having a Priority Pass, users should use a 0% or 0.99% markup card (like the Zenith+ or Ixigo AU) for their actual overseas transactions.
- Redemption Friction: While 1 RP = ₹0.25, AU charges a flat ₹99 + GST fee for every redemption. To maximize value, your readers on CreditGully should be advised to wait until they have 10,000+ points before redeeming for vouchers.
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| Grocery & Departmental Stores (4X) | 4 Reward Points (RP) per ₹100 | 1.00% | No Upper Cap on base earning |
| Utility, Telecom & Insurance | 1 RP per ₹100 | 0.25% | 100 RP per transaction |
| All Other Retail Spends | 2 RP per ₹100 | 0.50% | No Upper Cap |
| Excluded Categories (2026 Update) | No Points Earned | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹0.5 Lakh | Quarterly Bonus500 pts | ₹125 | Earn 500 bonus RP every calendar quarter upon hitting this spend target. |
| ₹1 Lakh | Additional Quarterly Bonus1,000 pts | ₹250 | Earn an extra 1,000 bonus RP (Total 1,500/qtr) on reaching ₹1 Lakh quarterly spend. |
| ₹2.5 Lakh | Annual Milestone0 pts | ₹1,000 Voucher | Awarded a ₹1,000 voucher from top brands for hitting ₹2.5 Lakhs annual spend. |
| ₹1.5 Lakh | Fee Waiver0 pts | ₹2,999 + GST Savings | Annual fee waived for the next year if annual spends exceed ₹1.5 Lakhs. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| E-Vouchers / Merchandise / Flights | ₹0.25 per RP4:1 Ratio | Best Value (Redeem via AU Rewardz portal; ₹99 + GST fee applies) |
What You Need to Know
2026 Lounge Spend Gate
Effective April 10, 2026, domestic lounge access requires ₹50k spend in the previous quarter.
Impact: Casual users will lose domestic lounge access entirely.
Transportation Purge
Points for Railroads, Taxis, Buses, and Tolls were removed in April 2026.
Impact: Significant devaluation for regular commuters and frequent road travelers.
Birthday Bonus
Earn 1,000 Bonus RP (₹250 value) for a single retail transaction done on your birthday.
Impact: An easy annual win; your UI should remind users to swipe on their birthday.
Utility Transaction Cap
Reward points are capped at 100 RP per utility/telecom transaction.
Impact: Spending more than ₹10,000 on a single bill results in a 0% yield for the excess amount.
Essential Fine Print
Reward Exclusions
Excluded Categories: Cash, Rent, Education & Govt, EMI, Fuel, BBPS, Transportation and Quasi Cash transactions are not eligible for Reward Points.
Lounge Access
Priority PassDomestic Lounge Access
1 complimentary lounge access per calendar quarter within India through the Visa program. (spend a minimum of ₹50,000 in a calendar quarter to become eligible for Complimentary Domestic Airport Lounge Access in the next calendar quarter)
International Lounge Access
1 complimentary lounge access per calendar quarter at international airports via Priority Pass.
Railway Lounge Access
2 complimentary lounge access per calendar quarter, using AU Credit Card at railway stations.
Travel Benefits
Concierge Services
24/7 dedicated concierge service for travel, hotel, golf and dining assistance.
Milestone Benefits
Quarterly Milestone Rewards
500 Bonus Reward Points on spending ₹50,000 and an additional 1,000 Bonus Reward Points on spending ₹1,00,000 within a calendar quarter.
Annual Milestone Gift
Gift vouchers worth ₹1,000 on minimum annual spends of ₹2,50,000.
Birthday Reward
Earn 1,000 Bonus Reward Points when you complete any retail transaction on your birthday.
Additional Features
Reward Accrual
4 Reward Points per ₹100 spent on Grocery, Departmental stores, and Utility bills; 2 Reward Points per ₹100 on other retail spends. 1 Reward Point per ₹100 spent on insurance, utility & telecom.
Comprehensive Insurance
Air Accident Cover of ₹50 Lakhs, Credit Shield of ₹5 Lakhs, and Purchase Protection of ₹25,000.
XpressEMI
Option to convert transactions of ₹2,000 or more into easy monthly installments.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹2,999 |
| Annual / Renewal Fee | ₹2,999 |
| Fee Waiver Threshold | Spend ₹1,50,000 annually |
| Forex Markup | 2.99% |
| Reward Redemption Fee | ₹99 per redemption |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Age Requirement
Self Employed: 25 years to 65 years; Salaried: 21 years to 60 years
Resident Status
The applicant must be a resident of India.
Ready to apply for Vetta?
Annual fee: ₹2,999 · Waived on ₹1,50,000 spend
Annual fee
₹2,999
0.5% – 1% yield