M16S / AU Small Finance Bank / AU Vetta Credit Card
mid · rewards
AU Vetta Credit Card
The AU Vetta Credit Card costs Rs 2,999 a year, waived if you spend Rs 1,50,000 in a year. Its base return is 0.5% (2 RP per Rs 100). Accelerated earn: 4 RP per Rs 100 on grocery and departmental stores; 1 RP per Rs 100 on insurance, utility and telecom. The forex markup is 3.49%. Abroad: 4 per year (1 per quarter) via Priority Pass. Read from the issuer's own documents on 31 Oct 2026.
- Annual fee
- Rs 2,999+ GST
- Fee waived at
- Rs 1,50,000annual spend
- Base return
- 0.5%
- Forex markup
- 3.49%
- Interest
- 3.75%a month
What changed on this card
- AU Bank changes fuel fair usage charge to 1% on all fuel spend, Jul 2026
From 1 July 2026 there is no charge if each fuel transaction is under Rs 10,000 and monthly fuel spend is under Rs 25,000. Above either limit, AU charges 1% on the entire monthly fuel spend. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% charge on transport spends above limits, Jun 2026
From 14 June 2026 AU charges 1% on the entire monthly transportation spend (MCC 4111, 4112, 4784) when it exceeds 50% of the credit limit or Rs 25,000, whichever is lower. IRCTC, some travel partners and ixigo AU cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU sets Rs 50,000 quarterly spend for domestic lounges, Apr 2026
From 10 April 2026 a cardholder needs net retail spend of at least Rs 50,000 in a calendar quarter to get complimentary domestic lounge access in the next quarter. Only primary cardholders qualify. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU raises Priority Pass usage charge to USD 35, Jan 2025
From 1 January 2025 Priority Pass usage in India and visits above the complimentary international visits are charged USD 35 per visit, up from USD 27. Applies to Zenith+, Zenith, Vetta and ABC Pro. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU domestic lounge access becomes spend based, Jan 2025
From 1 January 2025 AU enabled complimentary domestic lounge access on Visa/RuPay AU credit cards only on meeting a spend-based eligibility test. The notice covers Zenith, Vetta, Xcite Ace, Xcite Ultra, SPONT, NOMO and ABC Pro. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank adds 1% fair usage charge on fuel and utility spends, Aug 2024
From 15 August 2024 AU charges 1% on monthly fuel spends above 50% of the credit limit or Rs 50,000, whichever is lower, and 1% on monthly utility spends above Rs 50,000. Corporate and Purchase cards are excluded. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
- AU Bank sets card interest at 3.75% a month, Aug 2024
From 15 August 2024 the interest rate (APR) is 3.75% per month (45% per annum) on all AU credit cards except Zenith+, Corporate and Purchase cards. Source: AU Small Finance Bank, au.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining feeunverified | Rs 2,999 |
|---|---|
| Annual fee | Rs 2,999 |
| Annual spend that waives the fee | Rs 1,50,000 |
| Fee notes | Rs 2,999 + GST. First-year fee waived on Rs 40,000 retail spend within 90 days; renewal waived on Rs 1.5 lakh retail spend in previous anniversary year. |
Rewards
| Reward currency | Reward Points |
|---|---|
| Base earn | 2 RP per Rs 100 |
| Base returnunverified | 0.5% |
| Point valueunverified | 1 RP = Rs 0.25 on AU Rewardz (issuer states this value for NOMO and implies it for Ananta; not printed on this card's page) |
| Accelerated earn | 4 RP per Rs 100 on grocery and departmental stores; 1 RP per Rs 100 on insurance, utility and telecom |
| Caps | Utility & telecom: 100 RP per transaction |
| Spends that earn nothing | Cash, rent, education & government, EMI, fuel, BBPS, transportation, quasi-cash |
| Points expiry | 2 years from accrual (Card Member Agreement cl. 23.8) |
| Milestone benefits | Quarterly: 500 RP on Rs 50,000 and a further 1,000 RP on Rs 1 lakh retail spend. Yearly: Rs 1,000 vouchers on Rs 2.5 lakh retail spend. Birthday: 1,000 RP on any retail transaction. |
| Reward notes | Redemption fee Rs 99 + GST per redemption. Points forfeited after 12+ months of card non-use, on closure, or if MAD unpaid 90+ days. Points reversed if a purchase is converted to EMI. base_return_pct = 2 RP per Rs 100 x Rs 0.25. |
Travel and perks
| Domestic lounge | 1 per calendar quarter; plus 2 railway lounge visits per quarter (shared with add-ons) |
|---|---|
| International lounge | 4 per year (1 per quarter) via Priority Pass |
| Lounge conditions | From 10 Apr 2026 domestic airport lounge needs Rs 50,000 spend in the calendar quarter. Priority Pass use inside India is chargeable. |
| Forex markup | 3.49% |
| Fuel surcharge waiverunverified | 1% waiver on Rs 400-5,000 fuel txns, cap Rs 100 per statement month (KFS v1.9); product page fine print shows Rs 250 |
| Other freebies | Air accident cover Rs 50 lakh; credit shield Rs 5 lakh; purchase protection Rs 25,000; travel covers; concierge; free add-on cards; Visa variant: 2 MakeMyTrip domestic seat selections (up to Rs 350), Times Prime annual membership, Alaya Stays stay-3-pay-2 |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | 15% of Total Amount Due, min Rs 10, max Rs 1,300 (as printed in MITC v2.18 and KFS v1.9) |
| Cash advance fee | 2.5% of amount withdrawn, min Rs 500 |
| Eligibility | Resident Indian; salaried 21-60, self-employed 25-65; add-on 18+. Criteria indicative; income not published. |
| Fine-print notes | Forex conflict: product page says 3.49%; the listing-page fee table and Dec 2025 MITC say 2.99%. The higher figure is recorded. Fair-usage fees (KFS v1.9, 30 Sep 2026): 1% on fuel spend above the lower of 50% of limit or Rs 50,000 a month; 1% on utility spend above Rs 50,000 a month; 1% on transportation spend above the lower of 50% of limit or Rs 25,000 a month (from 14 Jun 2026); 1% (min Rs 99) on international rent and education. |
Questions
- What is the annual fee of the AU Vetta Credit Card?
- Rs 2,999 a year, before GST. It is waived if you spend Rs 1,50,000 in a year.
- Does the AU Vetta Credit Card give airport lounge access?
- Yes. In India: 1 per calendar quarter; plus 2 railway lounge visits per quarter (shared with add-ons). Outside India: 4 per year (1 per quarter) via Priority Pass. Conditions: From 10 Apr 2026 domestic airport lounge needs Rs 50,000 spend in the calendar quarter. Priority Pass use inside India is chargeable.
- What is the forex markup on the AU Vetta Credit Card?
- 3.49% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the AU Vetta Credit Card?
- Cash, rent, education & government, EMI, fuel, BBPS, transportation, quasi-cash