AU Bank Vetta Credit Card

Following are the key highlights of the AU Bank Vetta Credit Card:

Offers for First-Time Card Holders

• Vouchers of top brands worth Rs. 2,000. 
• The offer is valid on retail spends of a minimum of Rs. 30,000 within 60 days of card setup.

Accelerated Rewards Program

• 4 reward points on spending every Rs. 100 on departmental stores, groceries, and utility bill payments.
• 2 reward points on spending every Rs. 100 at all other merchant categories.
• 1 reward point on spending every Rs. 100 on rent, insurance, education, and government categories.
• Fuel transactions are excluded from earning reward points.

Milestone Benefits

• 500 bonus reward points on retail spending of Rs. 50,000 per calendar quarter.
• Additional 1,000 bonus reward points on retail spends of Rs. 1 Lakh per calendar quarter.
• Fuel transactions and cash withdrawals are excluded from earning reward points.
• Rs. 1,000 worth of vouchers of top brands on retail spends of a minimum of Rs. 2.50 Lakhs in a card anniversary year. 
• 1,000 bonus reward points on one retail transaction done on your birthday.

Complimentary Lounge Access

• Complimentary lounge access at 1,000+ airport lounges within and outside India.
• 1 complimentary access per calendar quarter at all participating lounges using Priority Pass. 
• 1 complimentary lounge access per calendar quarter in India using VISA Card. 
• 2 complimentary lounge access per calendar quarter at railway stations in New Delhi, Ahmedabad, Jaipur, Kolkata (Sealdah), and Agra with VISA cards. 
• Airport and railway lounge benefits are also applicable to add-on AU Vetta credit card members within the mentioned complimentary number of visits.

Dedicated Concierge Services

• Global Concierge Assistance for booking travel, arranging a golf session, planning a perfect anniversary dinner, etc. Call on 24x7 toll-free number at 1800 210 0298 or 022-42320298.

Fuel Surcharge Waiver

• 1% fuel surcharge waiver. 
• The maximum benefit available is Rs. 250 per statement cycle.
• Offer applicable for fuel transactions between Rs. 400 and Rs. 5,000 per statement cycle across all fuel stations in India.

Comprehensive Protection Cover

• Rs. 50 Lakhs worth of Air Accident Cover.
• Credit Shield of up to Rs. 5 Lakhs.
• Purchase Protection of up to Rs. 25,000.
• Credit Liability Cover in the event of credit card loss. You have zero liability on any fraudulent transactions made with the card after reporting the loss to the bank.
• Cover against card counterfeit/ skimming and online frauds.
• Cover for baggage loss/delay, flight delay, loss of passport, and plane hijack.

Contactless Card Usage

Use your AU Vetta Card to make quick, secure and easy payments by just tapping the card and paying at participating merchants without entering the credit card PIN for amounts up to Rs. 5,000.

XpressEMI

• Convert any transactions of Rs. 2,000 or above into easy EMI options on the select tenure of your choice. 

Annual Card Membership Fee 

• Joining fee: Rs. 2,999 + applicable taxes. Waived on retail spends of Rs. 40,000 done within 90 days of card set up.
• Annual fee: Rs. 2,999 + applicable taxes. Waived on retail spends of Rs. 1,50,000 done in the previous card anniversary year.

Following are the fees and charges associated with AU Small Finance Bank Vetta Credit Card:

• Annual membership fee: Rs. 2,999 + applicable taxes. 
• Cash advance fee: 2.5% (minimum Rs. 100).
• Charges on revolving credit: 3.49% per month (41.88% annually). 
• Foreign currency transactions: 2.99%.
• Overlimit charges: 2.5% of over limit amount (minimum Rs. 500).
• Late payment charges: Rs. 0 to Rs. 1,100.
• Cheque, ECS/NACH, Autopay return charges: Rs. 500.
• Loan processing fee 1% (minimum Rs. 500). 
• Loan preclosure charge: 3% of the outstanding principal.
• Balance Transfer on EMI processing charges: 1% of the transfer amount (minimum Rs. 250).
• EMI conversion charges: 1% (minimum Rs. 99 + GST) for Xpress EMI & Rs. 199 + GST for Instant EMI.
• Card validation charges (lounges): Rs. 2.
• Priority Pass lounge charges: $27 + taxes for all visits within India. 
• Duplicated physical statement request charges: Rs. 100.
• Reissuance of lost/ stolen/ damaged card: Rs. 100.
• Outstation cheque processing charges: Rs. 25.
• Goods and Services Tax (GST): 18% applicable on all above-mentioned fees, interest & charges.

You have to meet the following AU Bank Vetta credit card eligibility criteria to apply for this credit card:

• The age of the primary cardholder must be between 21 and 60 years.
• The age of the add-on cardholder should be above 18 years.
• The applicant should be an Indian resident.

The criteria are only indicative. AU Bank reserves the right to approve or decline credit card applications.

If you wish to apply for a Vetta credit card, you must submit the following documents:

• Address proof: Passport, Utility Bills, Voter ID, Aadhaar Card, Ration Card, etc.
• Identity proof: Passport, Driving License, Aadhaar Card, etc.
• Income proof: Recent Salary Slips, Form 16 and Income Tax Returns.

• Visit the official website of the AU Bank and click on the ‘Credit Cards’ section given under the ‘Cards’ heading.
• Click on the ‘Vetta Credit Card’ option and then click on the ‘Apply Now button’.
• Fill in the online application form.
• A representative from AU Bank will call you to verify the details and proceed with your application. 

Apart from Vetta Credit Card, AU Small Finance Bank also offers the below given credit card variants:

• LIT Credit Card
• Zenith Credit Card
• Altura Credit Card
• Altura Plus Credit Card