Welcome Benefit: Users will get vouchers worth Rs 2000 on a minimum of Rs 30,000 retail spending done within 60 days of card setup.
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AU Vetta Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get vouchers worth Rs 2000 on a minimum of Rs 30,000 retail spending done within 60 days of card setup.
Milestone Benefits
Quarterly Milestone Benefits: 500 bonus reward points on Rs 50,000 retail spending done per calendar quarter and 1,000 bonus reward points on reaching Rs Rs 1 Lakhs retail spending per calendar quarter. Up to 1,500 bonus reward points in every calendar quarter with Rs Rs 1 Lakhs retail spending.; Yearly Milestone Benefits: Rs 1,000 worth vouchers on minimum Rs Rs 2.50 Lakhs retail spends done in a card anniversary year. Choose vouchers from a bouquet of top brands. Birthday Benefits for cardholders. 1,000 bonus reward points on completing one retail transaction on your birthday.
Cashback Rate
The value of 1 reward point = INR 0.25. Users will get 4 reward points per INR 100 retail spent on grocery & departmental stores. Grocery cashback rate: 1%.
2 reward points per INR 100 retail spent 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%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Railway Lounges: 2 complimentary lounge access per calendar quarter, using VISA cards at railway stations. Add-on cardholders can also enjoy these Railway lounge benefits within the mentioned complimentary number of visits.
Lounge Access
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.; Railway Lounges: 2 complimentary lounge access per calendar quarter, using VISA cards at railway stations. Add-on cardholders can also enjoy these Railway lounge benefits within the mentioned complimentary number of visits.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get vouchers worth Rs 2000 on a minimum of Rs 30,000 retail spending done within 60 days of card setup.
Milestone Benefits
Quarterly Milestone Benefits: 500 bonus reward points on Rs 50,000 retail spending done per calendar quarter and 1,000 bonus reward points on reaching Rs Rs 1 Lakhs retail spending per calendar quarter. Up to 1,500 bonus reward points in every calendar quarter with Rs Rs 1 Lakhs retail spending.; Yearly Milestone Benefits: Rs 1,000 worth vouchers on minimum Rs Rs 2.50 Lakhs retail spends done in a card anniversary year. Choose vouchers from a bouquet of top brands. Birthday Benefits for cardholders. 1,000 bonus reward points on completing one retail transaction on your birthday.
Cashback Rate
The value of 1 reward point = INR 0.25. Users will get 4 reward points per INR 100 retail spent on grocery & departmental stores. Grocery cashback rate: 1%.
2 reward points per INR 100 retail spent 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%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Railway Lounges: 2 complimentary lounge access per calendar quarter, using VISA cards at railway stations. Add-on cardholders can also enjoy these Railway lounge benefits within the mentioned complimentary number of visits.
Lounge Access
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.; Railway Lounges: 2 complimentary lounge access per calendar quarter, using VISA cards at railway stations. Add-on cardholders can also enjoy these Railway lounge benefits within the mentioned complimentary number of visits.
Fees & Charges
Joining Fee
s/ Annual membership fee: Rs 2999 (plus taxes)
Annual Fee
Rs. 2999 (plus taxes)
Cash Advance Fee
Cash Advance fee: 2.5% of amount withdrawn, subject to a minimum of ₹ 100.
Interest rate
Interest Rate: 3.49% per month (41.88% annually)
Late Payment Fee
Late Payment fees: Rs 0 to Rs 1100 for outstanding amount ranging from Rs 0 to Rs 50,000 + amount.
Foreign Currency Transactions Fee
Foreign Currency Mark up Fees: 2.9%
Other Fees
EMI Conversion charges: 1% of the transaction value, subject to min Rs 99. | Fuel Surcharge: 1%, waived upto INR 250 per statement cycle.
Fees & Charges
Joining Fee
s/ Annual membership fee: Rs 2999 (plus taxes)
Annual Fee
Rs. 2999 (plus taxes)
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 3.49% per month (41.88% annually)
Late Payment Fee
Late Payment fees: Rs 0 to Rs 1100 for outstanding amount ranging from Rs 0 to Rs 50,000 + amount.
Foreign Currency Transactions Fee
Foreign Currency Mark up Fees: 2.9%
Other Fees
EMI Conversion charges: 1% of the transaction value, subject to min Rs 99. | Fuel Surcharge: 1%, waived upto INR 250 per statement cycle.
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.
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
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 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.
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