Vetta Credit Card
AU Small Finance Bank · Rewards
4 reward points per ₹100 on grocery and department stores; 2 per ₹100 on other retail; 1 per ₹100 on insurance, utility and telecom.
- Joining fee
- Free
- Annual fee
- ₹2,999
- Waiver spend
- ₹1,50,000
- Forex markup
- 3.49%
Fee waiver
Spend ₹1,50,000 in a card year and the next annual fee is waived.
That is about ₹12,500 a month.
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Work it out for this card
How the app counts rewards
- 4 points per ₹100 on grocery and department stores
- 1 point per ₹100 on insurance, utility and telecom (max 100 points a transaction)
- 2 points per ₹100 on other spends
No rewards on education, fuel, rent.
Airport lounges
- Domestic: 1 visit a quarter
- International: 1 visit a quarter
Domestic access needs ₹50,000 spend in the quarter; international via Priority Pass
Points
Reward Points, worth about ₹0.2 each on the usual redemption. Expire after 2 years.
Who can apply
- Age 21 to 65
Resident Indian. Salaried 21 to 60 years; self-employed 25 to 65 years
Published minimums. Approval is the bank's decision.
Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.
Taken from the bank's page. Rules data version 2026.10.04.
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