AU Vetta Credit Card 2025
Save more than ₹60,000+ in a year with 5% cashback + 16 lounges!
Best cashback metal card! A UNC Vetta gives 5% cashback on ALL spends, 16 lounge visits, a premium metal card, & ₹5,000 welcome credits for just a ₹4,999 fee. Insane value for high spenders! The AU Vetta Credit Card provides exceptional value for those who want maximum rewards.
Why Choose AU Vetta in 2025?
5% cashback everywhere • 16 lounges • Metal card • ₹5K welcome • ₹4,999 fee waiver on ₹4L
Best for: High spenders, frequent traveler, cashback enthusiast
Card At a Glance
₹4,999 + GST
₹4,999 + GST (Waived on ₹4L)
5% All Spending
16 visits/year
Metal
2%
All Fees & Charges
| Particular | Details |
|---|---|
| Joining Fee | ₹4,999 + GST |
| Annual Fee | ₹4,999 + GST, Waive off on ₹4 Lakh spend |
| Welcome Benefit | ₹5,000 AU Flexi credits |
| Cashback | 5% direct to AU Flexi credits |
| Foreign Currency Markup | 2% + GST |
| Interest Rate | 3.5% per month |
| Fuel Surcharge Waiver | 1% (max ₹1,000/month) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates - 2025
- 5% cashback as AU Flexi credits on ALL spends
- AU Flexi Credits = ₹1 value on Amazon, Swiggy, flights, hotels
- No expiry on AU Flexi credits
- No exclusions—works everywhere!
- Welcome Credits of ₹5,000 on the first transaction
Airport Lounge Access
16 free lounge visits annually
4 visits per quarter
Primary + 1 add-on card eligible
No minimum spend required
Insurance & Protection Benefits
- ₹1.5 Crore air accident cover
- ₹50 Lakh personal accident cover
- ₹25 Lakh emergency medical cover
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Cashback 5% everywhere | ₹4L threshold for waiver |
| 16 lounge visits/year | AU Flexi redemption only |
| Premium metal card | 3.5% interest rate |
| No expiration of rewards | New bank, minimal history |
| ₹5K welcome credits | ₹4,999 joining fee |
| 2% low forex |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹12 Lakh
- Credit Score: Preferred over 750
- Documents: PAN, Aadhaar, pay slip/ITR
How to Apply Online (5-Minute Process)
- Please visit the AU Bank website and click on Vetta
- Fill basic details → Instant pre-approval
- Upload PAN, Aadhaar & Income Proof
- Video KYC: 2 minutes
- Metal card delivered in 7-10 days
Final Verdict—Worth It in 2025?
Best cashback metal card! 5% everywhere + 16 lounges + metal = ₹60,000+ value with AU Vetta Credit Card. Ideal for ₹1L+/month spenders! The AU Vetta Credit Card offers insane value for high spenders who want maximum cashback and premium benefits.
Frequently Asked Questions (FAQs)
Really 5% everywhere with AU Vetta Credit Card?
Yes! No exclusions, 5% AU Flexi credits on ALL spending with AU Vetta Credit Card.
16 lounge visits with AU Vetta Credit Card?
Yes! 4 per quarter for primary + add-on with AU Vetta Credit Card.
Value of AU Flexi Credits with AU Vetta Credit Card?
1 AU Flexi Credit = ₹1 value on Amazon, Swiggy, flight, and hotel bookings with AU Vetta Credit Card.
Fee waiver threshold for AU Vetta Credit Card?
₹4 Lakh annual spend gets the ₹4,999 fee waived for AU Vetta Credit Card.
Metal card quality of AU Vetta Credit Card?
Premium stainless steel with laser etching for AU Vetta Credit Card.
Affiliate Disclosure: Some of the links on this site are affiliate links. If you end up applying through one of our links and get approved, we may receive a commission with no additional cost to you. Updated: November 21, 2025