INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official aubank.in (AU Small Finance Bank) Most Important Terms and Conditions (MITC).

🏛️AU Small Finance Bank Ltd.Network: Visa SignatureTravel & Aviation CardsLast Verified: 2026-09-28

AU Small Finance Bank Vetta Credit Card

एयू स्मॉल फाइनेंस बैंक वेट्टा क्रेडिट कार्ड

Lifestyle and travel card offering 4 points per ₹100 on dining & grocery, 4 domestic lounge visits, and 4,000 quarterly milestone points.

Annual Fee₹2,999 + GST (Renewal: ₹2,999 + GST)

Reward Rate4 Reward Points per ₹100 spent on grocery, departmental stores, and dining checkouts. 2 Reward Points per ₹100 on all other retail transactions. 1 Reward Point per ₹100 on utilities.

Airport Lounge1 complimentary domestic airport lounge visit per calendar quarter (up to 4 visits annually). 2 complimentary domestic railway lounge visits per calendar quarter.

Forex Markup3.49% + GST on foreign currency transactions.

What Is This Card

AU Small Finance Bank Vetta Credit Card is a mid-tier lifestyle and travel card offering 4 reward points per ₹100 on dining and grocery, domestic airport lounge access, 4,000 quarterly milestone bonus points, and a low ₹1.5 Lakhs spend fee waiver.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹2,999 + GST (Renewal: ₹2,999 + GST)

Fee Waiver: Spend ₹1,50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹2,999 waived.

🎁Welcome Benefit

Shopping voucher worth ₹2,000 from top retail brands upon spending ₹30,000 within 60 days of card issuance.

⚡Reward Points Structure

4 Reward Points per ₹100 spent on grocery, departmental stores, and dining checkouts. 2 Reward Points per ₹100 on all other retail transactions. 1 Reward Point per ₹100 on utilities.

Redemption Value: 1 Reward Point = ₹0.25 (effective 1.00% on 4X categories, 0.50% base).

🛫Airport & Railway Lounge Access

1 complimentary domestic airport lounge visit per calendar quarter (up to 4 visits annually). 2 complimentary domestic railway lounge visits per calendar quarter.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Personal air accident cover of ₹50 Lakhs. Lost card liability cover up to credit limit.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Earn 1,000 bonus reward points on spending ₹50,000 in a calendar month; earn 4,000 bonus reward points on spending ₹1 Lakh in a quarter. Annual fee reversal on ₹1.5 Lakhs spend.

Interest-Free Period: Up to 48 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Only 1 domestic airport lounge visit per quarter. No international airport lounge visits. Base reward return is 0.50% on non-accelerated categories. Forex markup is 3.49%.

Forex Markup Fee3.49% + GST on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹100 (whichever is higher) + 3.49% monthly finance charges.

Finance Charges (Interest)3.49% per month (41.88% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹400 for ₹501–₹1,000; ₹500 for ₹1,001–₹5,000; ₹700 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹20,000; ₹1,100 for above ₹20,000 (+ GST).

Reward Points ExpiryReward points expire 2 years (24 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹50,000. Self-employed individuals aged 21 to 60 with annual ITR exceeding ₹6,00,000.

Age Requirement21 to 60 Years

Minimum Income₹50,000/month (Salaried) / ₹6,00,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 730+ is standard.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit aubank.in/vetta or open AU0101 app.

2Enter PAN and mobile number for soft eligibility check.

3Select AU Vetta Credit Card.

4Enter employer details and monthly salary.

5Complete online Video KYC session with bank official.

6Card is approved and dispatched via courier within 3 to 5 business days.

Branch Application for Offline Applicants

Apply at any AU Small Finance Bank branch by submitting self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (aubank.in)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on AU Small Finance Bank Vetta Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹400 for ₹501–₹1,000; ₹500 for ₹1,001–₹5,000; ₹700 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹20,000; ₹1,100 for above ₹20,000 (+ GST).. In addition, revolving finance charges at 3.49% per month (41.88% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on AU Small Finance Bank Vetta Credit Card into EMI?

Yes, AU Small Finance Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on AU Small Finance Bank Vetta Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into AU Small Finance Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹0.25 (effective 1.00% on 4X categories, 0.50% base). Please note: Reward points expire 2 years (24 months) from the date of accrual.

What is the interest-free grace period on AU Small Finance Bank Vetta Credit Card and how does it work?

The interest-free period on AU Small Finance Bank Vetta Credit Card is Up to 48 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.49% per month (41.88% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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