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Credit CardsComparisons

AU Bank Vetta Credit Card vs IDFC FIRST Select

A head-to-head comparison of AU Bank Vetta Credit Card and IDFC FIRST Select across fees, rewards, and spending categories to help you decide which card suits your wallet better.

Grocery & RetailCard A

AU Bank Vetta Credit Card

Grocery & Lifestyle Spends

Annual Fee
₹2,999
Reward Rate
4 RP per ₹100 on grocery (~1% effective)
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Grocery & RetailCard B

IDFC FIRST Select

High Volume Spenders

Annual Fee
Lifetime Free
Reward Rate
10X on incremental spends
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Feature comparison

FeatureAU BankIDFC FIRST
Annual Fee₹2,999 + GST (Waived on ₹40K spend within 90 days; subsequent years waived on ₹1.5L annual spend)Lifetime Free
Reward Rate4 RP per ₹100 on grocery (~1% effective)10X on incremental spends
Best ForGrocery & Lifestyle SpendsHigh Volume Spenders
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankIDFC FIRST
Groceries
Dining
Everyday spending
Airport lounge access

Quick verdict

Choose AU Bank Vetta Credit Card if:

  • You spend heavily on dining

Choose IDFC FIRST Select if:

  • Lower annual fee (₹Nil vs ₹2,999)
  • You spend heavily on everyday spending
  • This is your first credit card

Full pros & cons

AU Bank Vetta Credit Card

What's good
  • 4 RP per ₹100 on grocery and departmental stores (~1% effective)
  • 1 domestic + 1 international lounge visit per quarter via Priority Pass
  • ₹2,000 welcome brand vouchers on ₹30,000 spend within 60 days
  • Up to 30% dining discounts at partner restaurants
  • ₹50L air accident insurance; birthday bonus of 1,000 RP
Watch out for
  • Base rate of 0.5% on non-grocery spends is weak for a ₹3K-fee card
  • 2.99% forex markup — not suitable for international travel despite offering international lounge
  • Lounge access requires ₹50,000 quarterly spend (raised from ₹20K in April 2026)
  • ₹99 + GST redemption fee per transaction reduces effective reward value
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IDFC FIRST Select

What's good
  • Lifetime free with no annual charges ever
  • Reward points never expire
  • Domestic lounge access available
Watch out for
  • Lounge access requires ₹20,000 spend in the previous calendar month
  • 10X multiplier only activates after spending ₹20,000 in a billing cycle
  • Tiered reward calculation is complex to track
  • Reward earning base revised from ₹150 to ₹200 per point (devaluation)
Apply Now
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