The AU Bank Vetta Credit Card is a lifetime-free premium card with 2 reward points per ₹100 on all retail spends, 1% fuel surcharge waiver, 1 free domestic lounge visit per year, and a milestone voucher of ₹500 on spends of ₹50,000 in a quarter. The card is targeted at users who want a no-fee card with premium benefits.

Why this matters

AU Vetta is one of the most balanced lifetime-free cards. The flat 2 reward points per ₹100 on all categories is competitive with paid cards. The 1 free lounge visit per year and ₹500 quarterly voucher are useful secondary benefits.

Au Vetta

How to Apply for the AU Bank Vetta Credit Card in 2026

How to apply Total time: 10 min · You’ll need: PAN, Aadhaar, mobile, salary slips (if required)

Apply for the AU Bank Vetta Credit Card with 2X reward points on every spend and 1% fuel surcharge waiver. Eligibility, benefits, and walkthrough.

Check Vetta eligibility — You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹20,000. CIBIL score of 720+ is preferred.
Apply online via AU Bank website — Visit aubank.in → Cards → Credit Cards → Vetta. Click Apply Now. The form is pre-filled if you are an existing AU Bank customer.
Complete the application — Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.
Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
Submit and track — Submit the form. The 12-digit application reference is shown. Track status in the AU Bank app. Approval takes 5–10 working days.
Receive the card and activate — Once approved, the card is delivered within 5 working days. Activate via IVR, AU Bank app, or at any AU Bank ATM by setting a 4-digit PIN.
Use the card for all spends to earn 2X — Use the card for all retail spends to earn 2 reward points per ₹100. The 2X is uncapped — no monthly cap.
Chase the quarterly voucher and 1 lounge visit — Spend ₹50,000 in a quarter to earn a ₹500 voucher. Use the 1 free domestic lounge visit per year via Dreamfolks.

Common mistakes to avoid

The 2X is uncapped but excluded from fuel, EMI, and cash advances. The 1 free lounge visit is via Dreamfolks — register before your first travel.

Pro tips

Use Vetta as your default card for all retail spends
Pair with AU Zenith for premium benefits
Register on Dreamfolks and link the card before your first trip
Chase the quarterly voucher by spending ₹50,000 per quarter

Frequently asked questions

Is AU Vetta lifetime free?

Yes. The card has no joining or annual fee. There is no fee waiver target.

What is the 2X cap?

2X on all retail is uncapped. There is no monthly cap.

How many lounge visits are included?

1 domestic per year via Dreamfolks.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

AU credit cards — product page (verified 5 September 2026).
Reserve Bank of India — Master Direction on Credit Card and Debit Card Issuance (verified 5 September 2026).

Hidden caps on credit-card rewards — what issuers don’t shout about — monthly and quarterly caps that quietly throttle otherwise-high reward rates
How rewards programmes are designed (and what that means for you) — the rule of 1% interchange and why issuers gate rewards behind caps
Tax on credit-card rewards in India — what gets reported — when reward redemptions cross into taxable territory
Credit-card elite status programmes in India — issuer elite programmes and what their tiers actually unlock