AU Vetta Credit Card
Direct utility/telecom only: 1 point per complete ₹100, capped at 100 points per payment and valued at ₹0.20 in an e-voucher. ₹2,999+GST annual fee. BBPS excluded.
Try your spend →How this estimate works
Only eligible direct utility and telecom card payments are scored. The current AU card member agreement explicitly awards 1 reward point per ₹100 in these categories, with a maximum 100 points per transaction; BBPS transactions do not earn. The model assumes one qualifying direct card payment repeated each month, no other spend consuming the shared 25,000-point statement cap, and conservatively floors each payment to complete ₹100. AU issuer terms value e-vouchers at ₹0.20 per point, require at least 200 points for redemption, and charge ₹99 plus GST per successful redemption. One annual redemption charge is deducted once the annual minimum is met; a suitable voucher must actually be available and usable. This is not cash. The ranking separately subtracts ₹2,999 annual membership fee plus estimated GST. First-year waiver after ₹40,000 retail spend within 90 days and later waiver after ₹1.5 lakh in the previous anniversary year are not presumed. The current product page advertises up to 4 points/₹100 but does not expose the ordinary-retail rate table in the source inspected, so grocery and ordinary retail are deliberately unscored. Insurance, rent, fuel, education/government, wallet, EMI, cash, quasi-cash, BBPS, transport and ambiguous merchant routes are not estimated. Welcome, birthday, quarterly and yearly milestone points and partner offers are omitted. Points expire after two years. Confirm the merchant category, voucher stock and current terms before relying on this narrow estimate. The quote is limited to at most ₹50,000/month, with no other utility spend consuming the shared threshold. Above that AU charges 1% fair-usage fee; that high-spend route is unpriced.
Issuer terms
AU Vetta product and fees · AU redemption minimum FAQ · AU cap and exclusions · AU e-voucher point value and redemption fee · AU fee schedule
Terms checked 30 September 2026. Confirm the active offer, merchant coding and voucher availability before relying on the estimate.