AU Vetta Credit Card

Welcome benefits

• Users will get vouchers worth ₹2000 on a minimum of ₹30,000 retail spending done within 60 days of card setup

Rewards & cashback

• The value of 1 reward point = ₹0.25
• Users will get 4 reward points per ₹100 retail spent on grocery & departmental stores
• Grocery cashback rate: 1%
• 2 reward points per ₹100 retail spent across all other merchant categories
• Effective general cashback rate: 0.50%
• 1 reward points per ₹100 spend on rent, insurance, BBPS, education & govt and utility & telecom categories
• Utilities cashback rate: 0.25%

Milestone benefits

• Quarterly Milestone Bene?ts: 500 bonus reward points on ₹50,000 retail spending done per calendar quarter and 1,000 bonus reward points on reaching Rs ₹1 Lakhs retail spending per calendar quarter
• Up to 1,500 bonus reward points in every calendar quarter with Rs ₹1 Lakhs retail spending.; Yearly Milestone Bene?ts: ₹1,000 worth vouchers on minimum 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

Airport 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…
• Add-on cardholders can also enjoy these Railway lounge bene?ts within the mentioned complimentary number of visits

More benefits & features

• 2 complimentary lounge access per calendar quarter, using VISA card at railway stations
• Railway Lounges: 2 complimentary lounge access per calendar quarter, using VISA cards at railway stations

Fees & charges

Joining fee

s/ Annual membership fee: ₹2999 ( + taxes)

Annual fee

₹2999 ( + taxes)

Foreign currency markup

2.9%

Interest rate

3.49% per month (41.88% annually)

Late payment

₹0 to ₹1100 for outstanding amount ranging from ₹0 to ₹50,000 + amount

Cash advance

2.5% of amount withdrawn, subject to a minimum of ₹100

Fuel surcharge

1%, waived upto ₹250 per statement cycle

Billing cycle

30 Days

Other fees

1% of the transaction value, subject to min ₹99. | Fuel Surcharge: 1%, waived upto ₹250 per statement cycle

Pros and cons

Who can apply

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

How to apply

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

1. Go to the AU Finance Bank website and click on the "Apply for Credit Card" link
2. Select the "Vetta Credit Card" from the list of credit cards
3. Enter your personal details, such as your name, address, and contact information
4. Upload a copy of your PAN card and recent salary slip
5. Submit your application
6. AU Finance Bank representative will contact you to verify your details and approve your application
7. Once your application is approved, you will receive your credit card in the mail within 7-10 working days