AU Small Finance Bank • 4 points per Rs 100 on groceries with airport and railway lounge access
By Deepak • Co-founder, Credwiser
Figures checked against the issuer's official MITC • Last verified 21 October 2026 • How we score
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Vetta is AU's mid premium card and its strongest suit is the monthly family shop: grocery and departmental store spends earn 4 points per Rs 100, double the base rate, and quarterly milestones add bonus points on top at Rs 50,000 and Rs 1 lakh of spends. Travel is covered in a measured way, with one domestic and one international lounge visit per quarter plus railway lounge visits, rather than unlimited access. The Rs 2,999 fee is waived at Rs 1.5 lakh of yearly spends, which most families using this as their main grocery card will cross without trying.
Annual card membership fee Rs 2,999 plus applicable taxes (AU Vetta product page and AU MITC). Forex markup is 3.49% as per the AU MITC schedule of charges. Fuel surcharge waiver is 1% on transactions between Rs 400 and Rs 5,000. The card includes 24x7 concierge services, and Priority Pass usage beyond the complimentary international visits is charged as per the AU schedule of charges.
Last verified against MITC: 21 October 2026 • View official MITC →
The fee is Rs 2,999 plus taxes. It is waived for the first year on Rs 40,000 spends within 90 days, and from the second year on Rs 1,50,000 spends in the previous anniversary year.
One domestic airport visit per quarter on Rs 20,000 quarterly spends, one international visit per quarter via Priority Pass, and two railway lounge visits per quarter.
Grocery and departmental store spends earn 4 reward points per Rs 100, the highest rate on the card.
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