AU Small Finance Bank Vetta Credit Card
Last Updated : June 18, 2021, 6:17 p.m.
Everyone wants to have a credit card that has a lot of offers and benefits. The offers and benefits of the credit card help the individual to save some bucks and enjoy a premium lifestyle. So, the AU Small Finance Bank Vetta Credit Card can be a good option for you because it has a lot of offers and benefits. You can experience a rich lifestyle through this card because it has complimentary access to the airport and railway lounges. On the other hand, you can earn thousands of reward points by making various transactions. Therefore, before you apply for this card, you can take a thorough look at the features and other privileges of this card.
Features and Benefits of AU Vetta Credit Card
There are many exclusive features of this card that will astonish you. All the features enable savings and you can save some extra penny.
Welcome Gift
- Spend ₹30000 within 60 days of card issuance and earn a voucher worth ₹2000 from top brands.
Reward Point Benefits
- Get 10 Reward Points per ₹100 spent on utility bill payments.
- Earn 4 Reward Points per ₹100 spent at Grocery and Departmental Stores.
- Earn 2 Reward Points per ₹100 spent on all other categories.
- Get 1000 Bonus Reward Points on doing one transaction on your Birthday.
- No Reward Points will be earned on the Fuel Transactions.
Reward Points Redemption
You have the following option to redeem your reward points:-
- Buying E-Vouchers of Top Brands
- Buying Merchandise
- Mobile and DTH Recharges
- Booking Flight, Hotels, and many other things
Milestone Benefits
- Spend ₹50000 in any month and enjoy Zomato Pro Annual Membership.
- Reach the Milestone of ₹50000 per quarter and get 500 Bonus Reward Points.
- Get 1000 Bonus Reward Points on spending ₹1 Lac per calendar quarter.
- Spend ₹2.5 Lacs in a year and earn a voucher worth ₹1000 of top brands.
Free Airport Lounge Access
- Enjoy Free visits to 1000+ Domestic and International Airport Lounges worldwide.
- Enjoy 1 Complimentary Visit per calendar quarter under the Priority Pass Program.
- Get 1 Complimentary Access to the Airport Lounges per quarter in India using your VISA card.
Free Railway Lounge Access
- Enjoy 2 complimentary accesses per quarter to the Railway Lounges using the VISA card.
- The railway stations of New Delhi, Kolkata (Sealdah), Agra, Madurai, Jaipur, and Ahmedabad have free access.
- The add-on cardholders can also enjoy this benefit but the number of access will as per the primary cardholder’s access.
Services Offer in the Railway Lounge
- Entry and Stay of 2 Hours
- Comfortable Sitting Arrangements with Air Conditioner
- Free Tea and Coffee
- Free Wi-Fi
- Newspaper and Magazines
- 1 Buffer Meal at the time of the visit and it can be Breakfast, Lunch, and Dinner.
List of Railway Lounges
| City | Address |
|---|---|
| New Delhi | Platform No. 16, New Station Building, Ajmeri Gate side, New Delhi Railway Station, New Delhi, 110006 |
| Kolkata (Sealdah) | First Floor, Near Enquiry office, Sealdah Railway Station, Kolkata - 700014 |
| Agra | Platform no. 1 at Agra Cantt, Near Second Class Waiting Room, Agra, Uttar Pradesh 282001 |
| Madurai | Madurai Railway Junction, Railway Junction Road, Madurai Main, Madurai, Tamil Nadu 625001 |
| Jaipur | Platform no. 1, Near 1st Class Waiting Room at Jaipur Jn Railway Station, Rajasthan 303702 |
| Ahmedabad | Platform No-1, Ahmedabad Railway Station, Gujarat, 380002 |
Concierge Services
- Enjoy Global Concierge Services and customize your entertainment, travel, and leisure experiences through the AU Bank Vetta Credit Card.
- Arrange your golf lessons or plan an anniversary date with the help of this facility.
- Avail of this service by giving a call at 1800-210-0298 or 022-42320298.
Fuel Surcharge Waiver
- Get a Fuel Surcharge Waiver of 1% at the petrol pumps.
- The fuel transaction must be ₹400 or more and less than ₹5000.
- The maximum fuel surcharge waiver per month is up to ₹250.
Insurance Cover
- Get an Air Accident Cover of ₹50 Lacs.
- There will be no liability for any transaction made from the card if it is lost and the loss is reported.
- You can make safe and secure online transactions from a credit card .
- Get a credit shield of up to ₹2 Lacs on this Card.
- There is purchase protection of ₹25000 on this card.
Contactless Payment
- There is no need for a PIN if you are making a payment of up to ₹5000.
- Just tap the card on the machine and the payment will be done.
EMI Facility
- Make use of the XpressEMI Facility to convert the transactions into EMI.
- All the transactions of ₹2000 and above can be converted into EMIs.
Fees and Charges of AU Small Finance Bank Vetta Credit Card
| Particulars | Charges |
|---|---|
| Annual Card Membership Fee | ₹2999 + Applicable Taxes |
| Annual Card Fee Waiver for the 1st Year | Spend ₹40000 within 90 days from the date of card issuance |
| Annual Card Fee Waiver for the 2nd Year | Spend ₹150000 in the previous Card Anniversary Year |
| Charges on Revolving Credit | 2.99% per month or 35.88% per annum |
| Over limit Charges | 2.5% of the over-limit with a minimum of ₹500 |
| Late Payment Charges | - NIL for Outstanding Less than ₹100 - ₹100 for Outstanding between ₹100 to ₹500. - ₹400 for Outstanding between ₹501 to ₹5000. - ₹500 for Outstanding between ₹5001 to ₹20000. - ₹700 for outstanding more than ₹20000 |
| Rewards Redemption Fee | NIL |
| Interest-Free Period | Up to 50 Days but not applicable for cash withdrawals |
Eligibility Criteria of the Card
- 21 years is the minimum age criterion for the Primary Cardholder.
- 60 Years is the maximum age criterion for the Primary Cardholder.
- The minimum age for the Add-on Cardholder is 18 Years.
- The individual must be a citizen of India.
- AU Small Finance Bank holds the right to accept or decline the application.
AU Small Finance Bank Vetta Credit Card Limit
There is no specified limit for the AU Bank Vetta Credit Card because it will depend on the Cibil Score and Income of the applicant. If the applicant has a Cibil Score of 750 and above then he can get quick approval and a high credit limit on this card. On the other hand, if the income of the applicant is high and stable then he can get a high credit limit on the Vetta Credit Card.
How to Apply for the Card
You will have to provide the basic details in the above form and easily apply for this credit card. Once the bank has your details, the representative will call you and tell you more about the card. You can clear all your queries from the representative and then apply for the card.