AU Vetta
AU Small Finance Bank · Checked 2026-10-09
AU Vetta is a paid card focused on shopping rewards, travel benefits and airport lounge access, charging ₹2,999 annually before GST.
CardIQ editorial view
Our take
AU Vetta is a paid card focused on shopping rewards, travel benefits and airport lounge access, charging ₹2,999 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise travel benefits.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 4 reward points per ₹100 on eligible groceries and departmental stores.
- 1 domestic lounge visit per quarter is conditional on ₹50,000 qualifying calendar-quarter spend; 1 international lounge visit per quarter under Priority Pass terms.
- First-year fee waiver requires ₹40,000 retail spend within 90 days.
Trade-offs to understand
- 2 points per ₹100 on other eligible retail categories; 1 point per ₹100 on insurance, utilities and telecom.
- 1 domestic lounge visit per quarter is conditional on ₹50,000 qualifying calendar-quarter spend; 1 international lounge visit per quarter under Priority Pass terms.
- The ₹2,999 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 4 reward points per ₹100 on eligible groceries and departmental stores valuable enough to clear the fee. Factor in this condition: 2 points per ₹100 on other eligible retail categories; 1 point per ₹100 on insurance, utilities and telecom.
Compare before deciding
- Reliance SBI Card PRIME — A similarly priced alternative for comparing shopping rewards and reward points.
- SBI Card PRIME — A similarly priced alternative for comparing shopping rewards and reward points.
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Benefits, limits and conditions
- 2 points per ₹100 on other eligible retail categories; 1 point per ₹100 on insurance, utilities and telecom.
- 1 domestic lounge visit per quarter is conditional on ₹50,000 qualifying calendar-quarter spend; 1 international lounge visit per quarter under Priority Pass terms.
- First-year fee waiver requires ₹40,000 retail spend within 90 days.