IndusInd Bank PAYBACK Credit Card vs AU Small Finance Bank Vetta Credit Card

• Welcome Gift includes getting rewarded with 1000 PAYBACK points as a Welcome Bonus and availing 10% Discount at Big Bazaar, Central, e-Zone, FBB, Brand factory & more with complimentary Future Privilege Membership
• 1% fuel surcharge across all petrol pumps in India
• Auto assist
• Complimentary personal air accident insurance cover of up to Rs 25 lakh
• Avail ‘Total Protect’ facility which is a first-of-its-kind program that covers the individual for an amount equal to the credit limit on its card 

* Gain 10 Reward Points per Rs. 100 retail spends done on Utility bill payments
* Earn 4 Reward Points per Rs. 100 retail spends done Grocery and Departmental stores
* Avail 2 Reward Points per Rs.100 retail spends done across all other merchant categories
* Monthly Jackpot: Avail Zomato Pro annual membership on Rs. 50,000 retail spends made in any calendar month. This is applicable once in a card anniversary year
* Quarterly Milestone Benefits: Get 500 Bonus Reward Points on Rs. 50,000 retail spends made per calendar quarter, and get additional 1,000 Bonus Reward Points on reaching Rs. 1 lakh retail spends per calendar quarter. Hence, earn up to 1,500 Bonus Reward Points in every calendar quarter with Rs. 1 lakh retail spends
* Yearly Milestone Benefits: Avail Rs. 1,000 worth vouchers on minimum Rs. 2.50 lakh retail spends made in a card anniversary year. Choose vouchers from a bouquet of top brands
* Birthday Benefit: Get 1,000 Bonus Reward Points on completing one retail transaction on birthday
* Get complimentary domestic and international lounge access at 1,000+ airport lounges
* Avail 1 complimentary lounge access per calendar quarter, using the Priority Pass at all participating lounges
* Get 1 complimentary domestic lounge access per calendar quarter using the VISA Card
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities

Pros

• Avail exciting rewards on dining, shopping, entertainment and more: 

1. Get 5 PAYBACK Points on every Rs.100 spent on groceries and shopping
2. Relish 5 PAYBACK Points on every Rs.100 spent on dining delights
3. Get 20 PAYBACK Points on every Rs. 100 spent on movie bookings
4. While buying utilities, purchasing insurance and other miscellaneous items, except fuel, get 2 PAYBACK Points on every Rs. 100 spent

• Gain privileges of doing free shopping when redeeming PAYBACK Points. Categories for this include movie tickets on BookMyShow.com, grocery from Big Bazaar, a shopping voucher from VoucherWorld, or for any product of the cardholder’s choice from the PAYBACK Rewards Catalogue and more
• Avail 500 PAYBACK Points on spending Rs. 20,000 or more in a month. Avail 4000 PAYBACK Points on spending Rs. 2,00,000 or more in a membership year

Cons

• No Airport Lounge Access 
• No Golf Privileges 

Pros
* 1% Fuel Surcharge Waiver for fuel transactions done between Rs. 400 and Rs. 5,000 at all fuel stations in India. Maximum Rs. 250 per statement cycle
* Get Air Accident Cover of up to Rs. 50 Lakhs, Credit Shield of up to Rs. 2 Lakhs, and Purchase Protection of up to Rs. 25,000
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you

Cons
* No golf privileges
* No Airmiles