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Au Small Finance Bank Vetta Credit Card

MyRupaya Ratings
average rating is 3 out of 5

MyRupaya Ratings

Product Details
Credit Card Name : 

Au Small Finance Bank Vetta Credit Card

Bank Name :

AU Small Finance Bank

Type :

Rewards Credit Card

Interest Rate : 

3.49% per month (41.88% annually).

Eligibility :

Primary cardholder between the age of 21 years and 60 years.
Add-on cardholder should be over 18 years.
Resident Indian.

Au Small Finance Bank Vetta Credit Card
Pros

  • Vouchers worth INR 2000 on minimum INR 30,000 retail spends done within 60 days of card setup.

  • Reward System: 1 Reward Point = INR 0.25. Get 4 Reward Points per INR 100 retail spends done on Grocery & Departmental store. Grocery cashback rate: 1%. 2 Reward Points per INR 100 retail spends* done across all other merchant categories. Effective general cashback rate: 0.50%. 1 Reward Points per INR 100 spend on Rent, Insurance, BBPS, Education & Govt and Utility & Telecom categories. Utilities cashback rate: 0.25%.

  • Quarterly Milestone Benefits: 500 Bonus Reward Points on INR 50,000 retail spends done per calendar quarter and get additional 1,000 Bonus Reward Points on reaching INR 1 lakh retail spends per calendar quarter. Essentially, earn up to 1,500 Bonus Reward Points in every calendar quarter with INR 1 lakh retail spends.

  • Yearly Milestone Benefits: Get INR 1,000 worth vouchers on minimum INR 2.50 lakh retail spends done in a card anniversary year. Choose your vouchers from a bouquet of top brands. Birthday Benefits for Card Holders. Earn 1,000 Bonus Reward Points on completing one retail transaction on your birthday.            

  • Complimentary Lounge Access: 1 complimentary lounge access per calendar quarter within India, using your VISA Card. 1 complimentary lounge access per calendar quarter, using Priority Pass at all participating lounges. For eligible list of Priority Pass lounges, click here. Usage of Priority Pass within India is chargeable. 

  • Railway Lounges: 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations. Add-on cardholders can also enjoy these Railway lounge benefits within the mentioned complimentary number of visits.

  • Customize your travel, entertainment, and leisure experiences with Global Concierge Assistance. Call  24 X 7 number at 1800 210 0298 (toll free) or 022-42320298.

  • AU Rewardz
    Get a plethora of options to redeem your Reward Points for amazing benefits. Some of them are: E-vouchers of top brands, Merchandise, Mobile/DTH recharges, Flight/Hotel booking

  • Comprehensive Protection Cover: Air Accident Cover: Rs 50 lacs. Card liability cover after you have reported it as lost. Credit Shield upto INR Rs 5 Lacs. Purchase Protection : INR 25,000  Other Travel related covers. In event of baggage loss, baggage delay, delay in flight, loss of passport and plane hijack. 

Cons

  • High joining fee. 

  • Low cashback rate.

  • Limited number of value add benefits. 

Pros & Cons
Welcome Benefits

Welcome Benefits: Vouchers worth INR 2000 on minimum INR 30,000 retail spends done within 60 days of card setup.

Rewards System

Reward System: 1 Reward Point = INR 0.25. Get 4 Reward Points per INR 100 retail spends done on Grocery & Departmental store. Grocery cashback rate: 1%. 2 Reward Points per INR 100 retail spends* done across all other merchant categories. Effective general cashback rate: 0.50%. 1 Reward Points per INR 100 spend on Rent, Insurance, BBPS, Education & Govt and Utility & Telecom categories. Utilities cashback rate: 0.25%.

International Forex Markup

2.9%.

Welcome Benefits and Reward System
Special Features

2 complimentary lounge access per calendar quarter, using VISA Card at railway stations. Add-on cardholders can also enjoy these Railway lounge benefits within the mentioned complimentary number of visits.

Eligibility Criteria

Primary cardholder between the age of 21 years and 60 years.
Add-on cardholder should be over 18 years.
Resident Indian.

Benefits

  • The AU Bank Vetta Credit Card is a premium credit card that offers a number of benefits, including:

  • No annual fee

  • Complimentary airport lounge access

  • 10 reward points per ₹100 spent on utility bills payments

  • 4 reward points per ₹100 spent on grocery and departmental stores

  • 2 reward points per ₹100 spent on other merchant categories

  • 1,500 bonus reward points on spending ₹1 lakh in a calendar quarter

  • ₹1,000 worth of vouchers on spending ₹2.5 lakh in a card anniversary year

  • Credit shield of up to ₹5 lakh

  • Purchase protection of up to ₹25,000

  • Travel insurance

  • Roadside assistance

  • The AU Bank Vetta Credit Card is a good option for people who are looking for a premium credit card with no annual fee and a number of other benefits.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?

  • Here are the steps on how to apply for the AU Finance Bank Vetta Credit Card:

  • Go to the AU Finance Bank website and click on the "Apply for Credit Card" link.

  • Select the "Vetta Credit Card" from the list of credit cards.

  • Enter your personal details, such as your name, address, and contact information.

  • Upload a copy of your PAN card and recent salary slip.

  • Submit your application.

  • AU Finance Bank representative will contact you to verify your details and approve your application. Once your application is approved, you will receive your credit card in the mail within 7-10 working days.

Contact Details

Toll Free No: 1800 1200 1200
1800 26 66677
Email: customercare@aubank.in

Account Opening and Procedure

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Pros:-

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Cons:-

  • Vouchers worth INR 2000 on minimum INR 30,000 retail spends done within 60 days of card setup.

  • Reward System: 1 Reward Point = INR 0.25. Get 4 Reward Points per INR 100 retail spends done on Grocery & Departmental store. Grocery cashback rate: 1%. 2 Reward Points per INR 100 retail spends* done across all other merchant categories. Effective general cashback rate: 0.50%. 1 Reward Points per INR 100 spend on Rent, Insurance, BBPS, Education & Govt and Utility & Telecom categories. Utilities cashback rate: 0.25%.

  • Quarterly Milestone Benefits: 500 Bonus Reward Points on INR 50,000 retail spends done per calendar quarter and get additional 1,000 Bonus Reward Points on reaching INR 1 lakh retail spends per calendar quarter. Essentially, earn up to 1,500 Bonus Reward Points in every calendar quarter with INR 1 lakh retail spends.

  • Yearly Milestone Benefits: Get INR 1,000 worth vouchers on minimum INR 2.50 lakh retail spends done in a card anniversary year. Choose your vouchers from a bouquet of top brands. Birthday Benefits for Card Holders. Earn 1,000 Bonus Reward Points on completing one retail transaction on your birthday.            

  • Complimentary Lounge Access: 1 complimentary lounge access per calendar quarter within India, using your VISA Card. 1 complimentary lounge access per calendar quarter, using Priority Pass at all participating lounges. For eligible list of Priority Pass lounges, click here. Usage of Priority Pass within India is chargeable. 

  • Railway Lounges: 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations. Add-on cardholders can also enjoy these Railway lounge benefits within the mentioned complimentary number of visits.

  • Customize your travel, entertainment, and leisure experiences with Global Concierge Assistance. Call  24 X 7 number at 1800 210 0298 (toll free) or 022-42320298.

  • AU Rewardz
    Get a plethora of options to redeem your Reward Points for amazing benefits. Some of them are: E-vouchers of top brands, Merchandise, Mobile/DTH recharges, Flight/Hotel booking

  • Comprehensive Protection Cover: Air Accident Cover: Rs 50 lacs. Card liability cover after you have reported it as lost. Credit Shield upto INR Rs 5 Lacs. Purchase Protection : INR 25,000  Other Travel related covers. In event of baggage loss, baggage delay, delay in flight, loss of passport and plane hijack. 

  • High joining fee. 

  • Low cashback rate.

  • Limited number of value add benefits. 

Au Small Finance Bank Vetta Credit Card has limited number of value add features it is best suited for individuals who are students or freshers. There are multiple cards in the market which offer better benefits in the same fee range.

AU Small Finance Bank Vetta Credit Card

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges

  • Joining fees/ Annual membership fee: Rs 2999 (plus taxes)

  • Cash Advance fee: 2.5% of amount withdrawn, subject to a minimum of ₹ 100.

  • Late Payment fees: Rs 0 to Rs 1100 for outstanding amount ranging from Rs 0 to Rs 50,000 + amount.

  • Interest Rate: 3.49% per month (41.88% annually)

  • Foreign Currency Mark up Fees: 2.9%

  • EMI Conversion charges: 1% of the transaction value, subject to min Rs 99.

  • Fuel Surcharge: 1%, waived upto INR 250 per statement cycle. 

Fuel Surcharge

1%, waived upto INR 250 per statement cycle. 

Billing Cycle

30 Days

Fees & Charges
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