AU Vetta Credit Card Review- Features, Benefits, Fees & Charges

AU Bank Vetta Credit Card (4.2)

Regular Best For: Lifestyle
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Do you shop frequently and want to earn rewards for it? Then, the AU Bank Vetta Credit Card can be a great fit for you! This card comes with a joining and annual fee of ₹2,999 and is loaded with features that cater to your every need. You can earn 4 Reward Points for every ₹100 spent on grocery, departmental store, and utility bill payments, and 2 Reward Points on all other merchant categories. Additionally, you can earn bonus points on your birthday, enjoy free access to airport lounges, a reward rate of 0.5% to 3% and much more! Keep reading to learn more. 👇

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus

Vouchers worth ₹2000 on the minimum retail spend of ₹30,000 within 60 days of card setup.

Reward Points
  • Earn 2 Reward Points per ₹100 retail spent at any merchant across categories.
  • Earn 4 Reward Points per ₹100 retail spends on Grocery & Departmental shops.
  • Earn 10 Reward Points per ₹100 retail spent on utility bills.
  • Reward Rate: 0.5% to 3%
Milestone Benefit
  • Quarterly Milestone Benefit
    • 500 Bonus Reward Points on ₹50,000 retail spends done per calendar quarter and get additional 1,000 Bonus Reward Points on reaching ₹1 lakh retail spends per calendar quarter.
    • Earn up to 1,500 Bonus Reward Points in every calendar quarter with ₹1 lakh retail spends.
  • Yearly Milestone Benefit
    • Get ₹1,000 worth vouchers on minimum ₹2.50 lakh retail spends done in a card anniversary year.
Lounge Access
  • Airport Lounges
    • 1 free lounge access per calendar quarter within India, using your VISA Card.
      For eligible list of Domestic Airport lounges, click here.
    • Get Complimentary lounge access within and outside the country at 1,000+ airport lounges.
    • 1 free lounge access per calendar quarter, using Priority Pass at all participating lounges.
  • Railway Lounges
    • 2 free 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.
Concierge Services

Customize your travel, entertainment, and leisure experiences with Global Concierge Assistance. Be it booking your travel, arranging a golf session, or planning a perfect anniversary dinner, it is available 24/7.

Fuel Surcharge

1% Fuel Surcharge Waiver for fuel transactions done between ₹400 and ₹5,000 across all fuel stations in the country (Maximum ₹250 per statement cycle).

Insurance Benefit
  • Air accident Cover- ₹50 lakh
  • Credit Shield- Up to ₹5 lakh
  • Purchase Protection -  ₹25000
  • Other Travel related covers -In the event of baggage loss, baggage delay, delay in flight, loss of passport and plane hijack.

 

Zero Lost Card Liability
  • In an unfortunate event of loss of Credit Card, you carry zero liability on any fraudulent transactions made with card after reporting the loss to the bank.
  • Also, you are protected against Card Counterfeit/Skimming and Online frauds.
Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹2,999

Annual Fee

₹2,999

Annual Percentage Rate

41.88%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.5%

Cash Advance Limit

30%

Card Replacement Fee

₹100

Foreign Transaction Fee

2.99%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹ 0.25
Late Payment Charges

Balance below ₹ 100

Nil

Balance from ₹100 to ₹500

₹ 100

Balance from ₹500 to ₹5000

₹ 500

Balance from ₹5000 to ₹10000

₹ 700

Balance from ₹10000 to ₹20000

₹ 800

Balance from ₹20000 to ₹50000

₹ 900

Balance more than ₹50000

₹ 1100
Pros

Aspects that make this credit card amazing.

  1. Accelerated reward points on grocery and utility bill payments.
  2. Complimentary airport and railway lounge access.
  3. 24x7 global concierge services.
  4. Comprehensive insurance cover.
Cons

Aspects this credit card lacks.

  1. High annual fee.
  2. No air miles.
  3. No golf privileges.
  4. No reward points on fuel transactions.
AU Bank Vetta Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3.5)

Rewards

(3)

Customer Service

(4)

AU Bank Vetta Credit Card Review

The AU Vetta Credit Card is a good option for those who are looking for a premium credit card with a variety of benefits. The card offers accelerated reward points on grocery and utility bill payments, complimentary airport and railway lounge access, 24x7 global concierge services, and comprehensive insurance coverage.

However, the annual fee for the card is relatively high, so it is important to factor that in when considering whether or not to apply for the card. If you are looking for a premium credit card with a variety of benefits and are willing to pay the annual fee, then the AU Vetta Credit Card is a good option to consider.

Overview

Best For

Accelerated reward points

Joining Fee

₹2,999 + applicable taxes

Annual Fee

₹2,999 + applicable taxes

Welcome Bonus

Vouchers worth ₹2,000 from top brands on a minimum expenditure of ₹30,000 within 60 days of card setup.

Card Network

Visa

Reward Points

Category Reward Points
Grocer, Departmental store and Utility bill payments. 4 Reward Points per ₹100 retail spends
Other merchant categories 2 Reward Points per ₹100 retail spends
Rent, Insurance and Education & Govt. categories 1 Reward Points per ₹100 retail spends

Who should get an AU Bank Vetta Credit Card?

The AU Vetta Credit Card is a good option for people who meet the following criteria:

  • Are willing to pay the annual fee of ₹2,999 (which can be waived upon achieving the stipulated spending milestones).
  • Spend a significant amount on grocery and utility bill payments.
  • Travel frequently and would benefit from complimentary airport and railway lounge access.
  • Would like to have access to 24x7 global concierge services.
  • Are looking for a card with comprehensive insurance cover.

How to apply for an AU Bank Vetta Credit Card?

To apply for AU Bank Vetta Credit Card, follow the below steps:

Step 1: Visit select.finology.in and click on the 'Credit Card' tab.
Step 2: Click on Card Issuers, where you will see a list of banks that issue credit cards.
Step 3: Choose AU Small Finance Bank from the list.
Step 4: Choose AU Bank Vetta Credit Card and click on the 'Apply Now' button.
Step 5: Provide the required consent, and then you will be redirected to a page where you need to fill in your mobile number and PAN card number.
Step 6: Fill in the credit card application form and attach the documents required. 

AU Bank Vetta Credit Card Eligibility

  • Age: 21 to 60 years.
  • Resident: Indian.
  • Income: Applicants must have a stable source of income to be eligible for this credit card.

Documents Required

  • Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than three months old), latest Form 16, and the last 3 months’ bank statement.
AU Small Finance Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

AU Small Finance Bank

AU Small Finance Bank Credit Card Customer Care Number:

1800 1200 1500

Email Support:

creditcard.support@aubank.in

AU Small Finance Bank Card Offers:

View Offers

Total Cards:

9,15,908
AU Small Finance Bank Credit Card News
03 Nov 2023, Friday
1. Ixigo has partnered with AU Small Finance Bank to launch a cobranded credit card to cater to the growing demand of travellers from smaller markets.

The ixigo-AU co-branded credit card enables customers to experience seamless travel across all travel verticals, including flights, trains, buses, and hotels. The co-branded credit card provides a range of exclusive benefits that cater to the requirements of both frequent and occasional travellers. It is specifically designed to address the evolving needs of modern travellers who seek flexibility, convenience, and value.


This co-branded card entitles travellers to discounts of up to 10% on flights, buses, and hotel bookings made through the ixigo platform. With its diverse offerings and advantages, this credit card presents itself as an ideal choice for customers who demand an all-in-one travel solution.

06 Oct 2023, Friday
2. Earn a 10% cashback on Amazon Great Indian Festival Sale and Flipkart Big Billion Days Sale when you make payments with AU Bank Credit Cards.

It's a good time to shop online and save some money!
AU Bank has introduced a festive season offer for cashback on Amazon and Flipkart. Customers using AU Bank Credit Cards can earn 10% cashback on purchases during the offer period, which runs from October 7th to October 12th, 2023. The minimum transaction amount to qualify for this offer is Rs. 5,000, and customers can earn up to Rs. 1,500 in cashback.

AU Bank is known for providing excellent deals and offers through its lifetime free credit cards. This offer is particularly advantageous for those planning to shop during the Big Billion Day Sale on Flipkart and the Great Indian Festival Sale on Amazon.

Note-
- The offer is not valid on AU Bank Corporate Cards.
- This offer is only valid on the following categories – Mobile Phones, Electronics, Furniture, Apparel, and Household Appliances.

AU Bank Vetta Customer Reviews

No Customer reviews yet. Be the first to review this card.

Frequently Asked Questions

Eligibility Criteria for AU Vetta Credit Card

  • Any resident Indian can apply for AU Vetta Credit Card
  • The primary cardholder age should be between 21 years and 60 years
  • Add-on cardholders can be above 18 years

Yes, AU Bank Vetta Credit Card offers 24/7 Global Concierge Assistance.

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