AU Vetta vs AU Ananta (2026)
AU's two cheapest travel cards — Vetta's four Priority Pass visits at ₹2,999 vs Ananta's sixteen domestic lounges at ₹2,000, both paid in ₹0.25 points.
Head to head
| Metric | AU Vetta | AU Ananta |
|---|---|---|
| Our rank | #54 | #43 |
| Annual fee | ₹2,999 + GST | ₹2,000 + GST |
| Fee waiver | ₹1,50,000 spend | ₹3,00,000 spend |
| Forex markup | 2.99% + GST — the highest of AU's travel cards | 3.49% + GST (Ananta sits in AU's bottom forex tier — Zenith+ gets 0.99%, ixigo AU 0%) |
| APR | 3.75%/mo (45%/yr) — AU retail-card standard | 3.75%/mo (45%/yr) — all AU retail cards except Zenith+ |
| Effective reward rate | 0.5% | 0.5% |
| Currency | AU Reward Points | AU Reward Points |
| House value | ₹0.25/pt | ₹0.25/pt |
| Welcome benefit | None — the first-year fee waiver at ₹40k spend in 90 days is the whole hello | 8,000 Reward Points (₹2,000) on activation and first transaction |
| Lounge doors opened | 609 of 644 | 72 of 644 |
| Income — salaried | not published | not published |
| Income — self-employed | not published | not published |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Net annual value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. Tune it to your own spend in the calculator.
AU Vetta wins under ₹1L/month; AU Ananta takes over above it.
Transfer reach
Both cards earn AU Reward Points, so the partner list is identical — 1 live transfer routes each. The fight is decided on earn and fees, not reach.
Both reach
- Air India Maharaja Club 6:1
Full route maps on each card page, best ₹/point routes on the optimizer →
The call
For the ₹1L/month spender, AU Ananta nets ₹20,120 against ₹9,400 — a ₹10,720 gap. At ₹5L/month, AU Ananta nets ₹50,600 against ₹37,000 — a ₹13,600 gap. Lounge chasers: AU Vetta opens 609 of 644 tracked doors to AU Ananta's 72.
Our standing verdicts: AU Vetta — Cancel; AU Ananta — Cancel. On our board, AU Ananta sits at #43 to AU Vetta's #54 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →