AU Vetta Credit Card: All About Its Perks & Charges in 2026

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

9 Apr 26
3 mins

Sandipan Mitra

08 Mins
09-04-26

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Table of Contents

AU Vetta Credit Card Benefits
AU Vetta Credit Card Rewards Program
AU Vetta Credit Card Milestone Benefits
AU Vetta Credit Card Charges

Comes with an annual membership fee of ₹2,999 + taxes.
Earn up to 4 reward points for every ₹100 spent on groceries and departmental stores.
Get a benefit of 1,000 bonus points upon doing any retail-related transaction on your birthday.
Get an accidental air coverage of up to ₹50 lakh.

The AU Vetta Credit Card continues to stand out as a premium choice, designed to offer a powerful mix of privileges and value-added services.

This card not only lets you earn attractive reward points on everyday purchases but also enhances your travel and dining experiences with complimentary airport lounge access, milestone bonuses, exclusive offers and more.

AU Vetta Credit Card Benefits

Avail 1,000 bonus reward points upon completion of any retail transaction on your birthday.
Get up to ₹50 lakh of air accident coverage.
Get a personal concierge when planning a golf game, making dining arrangements, travel bookings or entertainment.
Avail easy EMI options on transactions worth ₹2,000 or more over a select period of your choice.
Make secure and quick payments up to ₹5,000 without having to enter your PIN by just tapping your card or mobile phone against a POS machine.
Get a 1% surcharge waiver for fuel transactions made between ₹400 and ₹5,000 across all fuel stations in India (applicable up to a maximum of ₹250 per statement cycle).

AU Vetta Credit Card Rewards Program

Get 4 reward points for every ₹100 spent on groceries and departmental stores.
Get 1 reward point for every ₹100 spent on categories such as insurance, telecom and utility.
Avail 2 reward points for every ₹100 spent on retail and other merchant categories.

Note: Cardholders are eligible to earn a maximum of 100 reward points for every transaction on Utility and Telecom spends.

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AU Vetta Credit Card Milestone Benefits

Avail 500 bonus reward points on retail spends worth ₹50,000 per quarter.
Get an additional 1,000 bonus reward points on reaching ₹1 lakh retail spends every quarter.
Get ₹1,000 worth of vouchers on a minimum of ₹2.5 lakh retail spend in one year.

Note: Fuel spends and cash withdrawals are excluded from the bonus reward point spends calculation.

AU Vetta Credit Card Charges

The annual membership fee of the AU Vetta Credit Card is ₹2,999 + applicable taxes.

However, there is also a fee waiver for 1st year upon reaching the limit of ₹40,000 retail-related spends within 90 days of credit card setup. From the 2nd year onwards, you can get a fee waiver of ₹1,50,000 for retail spends done in the previous card anniversary year.

The table below outlines other applicable charges.

Parameters	Charges
Duplicate Statement Fee	₹100
Outstation Cheque Processing Fee	₹25
Payment Return Charges	2% or min. ₹500
Overlimit Charges	2.5% or min. ₹500
Late Payment Charges	15% of the due amount (Min. ₹10 and max. ₹1,300)

💡Skip the hassle of late payment and interest charges! Link your card with the Pice app and manage your credit card bill payments effortlessly.

Footnote

With effect from April 10th, 2026, reward points accrual on Transportation Merchant Category Codes will be discontinued.

FAQs

Which categories of spending are exempt from earning reward points with the AU Vetta Credit Card?

Categories such as cash, rent, government and education, EMI, fuel, quasi-cash and BBPS are not eligible for reward points.

How to apply for the AU Vetta Credit Card?

You can apply online through the official bank website or visit a nearby bank branch. The application process usually requires KYC documents and income proof.