Super Premium
AU Vetta Credit Card
AU Small Finance Bank 8.9
CardTrail Score
Very Good
out of 10
Annual Fee
₹2,999
Spend ₹1.5L/year
Forex Markup
2.99%
Reward Rate
1%
Up to 5%
Lounge Access
1
domestic | 1 intl
About This Card
AU Vetta is the dark horse of Indian super-premium cards. Zero forex markup AND unlimited lounge access is a combination only HDFC Infinia and Diners Club Black match — and those cost more. If you can overlook AU's smaller brand, this card offers exceptional value.
Pros & Cons
Pros
- Zero forex + unlimited lounges — rare combination
- 6X on travel and dining
- ₹10L waiver is achievable
- Golf access included
Cons
- AU Bank brand perception
- Reward ecosystem still maturing
- Less merchant partnerships than HDFC/Axis
Fee Details
Annual Fee
₹2,999
Joining Fee
₹2,999
Fee Waiver Condition
Spend ₹1.5L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
1%
Max Rate
5%
Currency
Reward Points
Welcome Bonus
Vouchers worth ₹2,000
Lounge Access
Domestic Lounges
1
per quarter
International Lounges
1
per quarter
Spend Gate Required
You must spend ₹20,000 per quarter to activate lounge access.
Key Highlights
- + Zero forex markup
- + Unlimited lounge access worldwide
- + 6X on travel and dining
- + Best value super-premium card
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Quick Summary
Best For
travel forex
Annual Fee ₹2,999
Base Reward 1%
Max Reward 5%
Forex Markup 2.99%
Network Visa Infinite
Min Income ₹12L+
CardTrail Score
Best For
travel forex luxury
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