Affluent Lifestyle Credit Card with Accelerated Grocery & Departmental Rewards
Urban families, grocery shoppers, and domestic commuters looking for accelerated rewards on departmental purchases and dependable travel lounge access.
₹2,999
One-time upfront₹2,999
Waived on ₹1.5 lakh annual spend1 Reward Point per ₹100 spent (0.25% return; 1 RP = ₹0.25)
On eligible spends1 Domestic visits/quarter · ₹50k quarterly spend required
Complimentary visitsLast verified 12 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The AU Vetta Credit Card is positioned as a comprehensive lifestyle credit card for middle and upper-affluent households seeking everyday reward acceleration. Priced at ₹2,999 plus GST, it welcomes new cardholders with ₹2,000 worth of brand vouchers from top retail partners (including Amazon, Flipkart, and Tata CLiQ) upon spending ₹30,000 within the first 60 days of card setup. The card's primary strength lies in household retail acceleration: cardholders earn 4 reward points per ₹100 spent on grocery and departmental store checkouts (an effective 1.00% return, where 1 point = ₹0.25). All other retail spending earns 2 reward points per ₹100. Milestone spenders unlock an additional 1,000 bonus points every month upon achieving ₹50,000 in monthly spends, and a ₹1,000 voucher on crossing ₹2.5 Lakhs annual spends. On the travel front, cardholders receive 1 complimentary domestic airport lounge visit per calendar quarter (linked to a retail spend of ₹50,000 in the previous quarter), alongside 2 complimentary railway lounge visits per quarter. For entertainment, the card provides Buy 1 Get 1 free movie tickets on BookMyShow up to ₹100 once a month. The annual fee is waived upon spending ₹1,50,000 in an anniversary year. For urban families managing regular supermarket bills, Vetta is an effective lifestyle companion.
4 RPs/₹100 Spent on Groceries & Departmental Spends. 2 RPs/₹100 on All Other Eligible Spends
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Utility, Grocery & Departmental Stores | 10 Reward Points per ₹100 spent (2.50% valueback; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Other Retail Spends | 4 Reward Points per ₹100 spent | No Cap | Standard terms apply |
| Groceries, Departmental Stores & Dining | 4 Reward Points per ₹100 spent (1.0% return) | 5,000 Reward Points / statement cycle | Standard terms apply |
| Utility Bill Payments | 2 Reward Points per ₹100 spent on utility bill payments (0.5% return) | 2,000 Reward Points / statement cycle | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Utility, Grocery & Departmental Stores | ₹4,000 | 10 Reward Points per ₹100 spent (2.50% valueback; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 4 Reward Points per ₹100 spent | — | None | Calculating... | Under cap |
| Groceries, Departmental Stores & Dining | ₹4,000 | 4 Reward Points per ₹100 spent (1.0% return) | — | ₹5,000/statement_cycle | Calculating... | Under cap |
| Utility Bill Payments | ₹4,000 | 2 Reward Points per ₹100 spent on utility bill payments (0.5% return) | — | ₹2,000/statement_cycle | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹2,999
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹2,999 + GST; Annual Renewal Fee: ₹2,999 + GST. • Annual Fee Waiver: Spend ₹1,50,000 or more in an anniversary year to waive the ₹2,999 annual renewal fee. • Welcome Benefit: ₹2,000 retail brand vouchers upon spending ₹30,000 within the first 60 days of card setup. • Grocery Rewards: 4 reward points per ₹100 on grocery and departmental store purchases (~1.00% return). • General Rewards: 2 reward points per ₹100 on all other retail spending (~0.50% return). • Airport Lounge Access: 1 complimentary domestic airport lounge visit per quarter (spend ₹50,000 in previous quarter). • Railway Lounge Access: 2 complimentary domestic railway lounge visits per calendar quarter. • Movie Privileges: Buy 1 Get 1 free movie ticket on BookMyShow up to ₹100 once per month. • Foreign Currency Markup: 3.49% + GST on international transactions (effective Oct 1, 2026). • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum of ₹100 per statement month; effective Oct 1, 2026).
Evaluate whether this card's perks and waiver threshold justify its ₹2,999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding AU Vetta Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official AU Small Finance Bank portal with paperless verification.
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Best for: Savvy consumers who want total control over their card features and pay only for benefits they actually use.
Rewards: 1 Reward Point per ₹100 spent (0.25% return; 1 RP = ₹0.25)
Last verified 2 Oct 2026
AU Zenith+ Credit Card
Best for: Luxury Travelers, Frequent International Flyers, High Spenders & Golf Enthusiasts
Rewards: 2 Reward Points per ₹100 spent (1.0% return; 1 RP = ₹0.50 on travel)
Lounge access: 4 Domestic visits/quarter + 16 International visits/year
Forex markup: 0.99% Low Forex
Renewal fee waived on ₹8,00,000 annual spend
Last verified 2 Oct 2026
Best for: Frequent Domestic Travelers, Lifestyle Brand Shoppers & Milestone Achievers
Rewards: 5 Reward Points per ₹200 spent
Lounge access: 12 Domestic + 6 International visits/year · ₹60k quarterly spend required (Domestic)
Forex markup: 2% Low Forex
Renewal fee waived on ₹4,00,000 annual spend
Last verified 16 Oct 2026
Best for: Ultra-high-net-worth individuals, luxury frequent flyers, and high spenders seeking the highest reward return on travel bookings in India.
Rewards: 5 Reward Points per ₹150 spent
Lounge access: Unlimited Domestic & International
Forex markup: 2% Low Forex
Renewal fee waived on ₹10,00,000 annual spend
Last verified 16 Sept 2026
Best for: Ultra-high-net-worth individuals, conglomerate chairpersons, family office principals, and top executives demanding bespoke global lifestyle privileges.
Rewards: 1 EDGE Mile/₹100 Spent on All Transactions
Lounge access: Unlimited Domestic & International
Forex markup: 1.5% Low Forex
Last verified 3 Oct 2026
Best for: Utility Bill Payers, Google Pay Users & Everyday Dining, Grocery and Cab Spenders
Rewards: 5% on Google Pay bills, 4% on Swiggy/Zomato/Ola, 1.5% elsewhere
Lounge access: 1 Domestic visits/quarter · ₹50k quarterly spend required
Renewal fee waived on ₹2,00,000 annual spend
Last verified 2 Oct 2026
Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
AU Small Finance Bank has sharply devalued AU Zenith and AU Vetta credit cards effective October 1, 2026. Zenith's forex markup jumps from 1.99% to 3.49% with fuel waiver slashed by 90%, while Vetta moves to 3.49%. Here is CardRecommend's detailed financial impact analysis and comparison with Zenith+ and ixigo AU.
