Vetta Credit Card by AU Small Finance Bank

The Bottom Line

Vetta Credit Card

High Fee, Low Rewards

10 Reward points / ₹100 on Utility bill payments, 4 Reward points on Grocery, Departmental Stores & 2 reward Points on all other categories.

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Monthly Spend	₹5K	₹10K	₹20K	₹50K	₹100K
Net Reward Yield	(-3.9%)^	(-1.5%)^	0.9%	0.8%	0.8%
Est. Monthly Reward (₹)	(200)	(150)	180	395	750
All-India Rewards Rank*	313	312	93	163	174
Within Bank Rank*	4	4	1	2	2
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. ^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The Vetta Credit Card gives an effective reward of 2.5% on utility bill payments and 1% on grocery and departmental store spends. All other spending earns 0.50%.

This card is the best option from AU Small Finance Bank for those spending between ₹20,000-50,000 a month. You can earn a net reward yield of 0.8-0.9% with this card at that level of spending, which makes this a below average credit card in India.

The Altura Credit Card is the best entry level credit card from AU Small Finance Bank. You can earn a net reward yield of 0.5-1.2% on all your spends up to ₹20,000 a month, with this credit card.

The Zenith Credit Card offer the best reward yield for high spending AU SFB customers. We estimate the Zenith gives a net reward yield of 1.8% if you spend more than ₹50,000 a month with this card.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card	Vetta Credit Card
Card Type	Reward
Reward Features	10 Reward points / ₹100 on Utility bill payments 4 Reward points / ₹100 on: – Grocery – Departmental Stores 2 reward Points / ₹100 on all other categories
Milestone Rewards	– 500 Bonus Reward Points on spending ₹50,000 / Qtr. – Additional 1,000 Reward Points on spending ₹1 Lacs – ₹1,000 Voucher from top brands on spending ₹2.5 Lacs / Year
Other Rewards	– 1,000 Bonus Reward Points on completing one retail transaction on your birthday – 1 Complimentary Domestic Airport Lounge Visits / Qtr – 1 Complimentary International Airport Lounge Visits / Qtr
Rewards Redemption Fee	Nil
Reward Caps	Unlimited
Preferred Redemption Method	Redeem on AU Rewardz Portal @₹0.25/reward point for e-Vouchers, Merchandise, Flight and Hotel Bookings

Fees & Charges

Card		Vetta Credit Card
Joining Fee		₹2,999 + Taxes
Annual Fee		₹2,999 + Taxes
Min. Annual Credit Card Spend for Fee Waiver		₹1.5 Lacs
Income Criteria	Salaried	N/A
Income Criteria	Self-employed	N/A
Supplementary Card Fee		Free
Interest Rate		41.88%
Foreign Currency Markup		2.99%
Cash Advance Charge		2.50% with a minimum of ₹100