AU Small Finance BankVisaVetta Credit Card
3.9NeoFinQ editorial rating
Best for utility bill rewards at 2.5% rate
- 10 points/₹100 on utility bills (2.5%)
- Quarterly milestone benefits
- Joining fee
- ₹2,999
- Annual fee
- ₹2,999
- Reward type
- points
- Best for
- Lounge
- Est. rewards
- ₹19,500/yr
Our verdict
Strong contender for utility bill payers and grocery shoppers.
Perfect for
- Heavy utility bill payers
- Grocery shoppers
Not ideal for
- Cashback-seekers
- Low forex markup users
Pros & cons
- 10 points/₹100 on utility bills (2.5%)
- Quarterly milestone benefits
- Limited rewards outside utilities/groceries
- 2.99% forex markup
Rewards
4 Reward Points per ₹100 on Departmental Stores, Groceries & Utility bills; 2 Reward Points per ₹100 on other retail spends; 1 Reward Point per ₹100 on Rent, Insurance, Education, and Govt. transactions. Points on Utility, Insurance, Education and Govt categories are capped at 2,000 per 30-day period.
| Category | Earn rate |
|---|---|
| Travel | 3% |
| Groceries | 5% |
| Utilities | 5% |
Welcome offer
₹2,000 vouchers on ₹30,000 spend within 60 days
Benefits
Airport lounge
- 1 domestic lounge visits/yr
Travel
- 1 domestic airport lounge visit per calendar quarter (on spend of ₹20,000 in previous quarter); 2 railway lounge visits per calendar quarter; 1 Priority Pass visit per year
More benefits
- Welcome Bonus: ₹2,000 vouchers on ₹30,000 spend within 60 days
- Milestone: 500 points on ₹50K quarterly; 1,000 points on ₹1L quarterly
Fees & charges
| Joining fee | ₹2,999 |
| Annual fee | ₹2,999 |
| Renewal fee | ₹2,999 |
| Fee waiver | Year 1: ₹40K in 90 days; Year 2+: ₹1.5L annual spend |
Eligibility
Min. income (annual)
₹60,000
Employment
Salaried / Self Employed
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Annual fee ₹2,999