AU Bank Vetta Credit Card

Following are the key highlights of the AU Bank Vetta Credit Card:

Offers for First-Time Card Holders

• Vouchers of top brands worth Rs. 2,000. 
• The offer is valid on retail spends of a minimum of Rs. 30,000 within 60 days of card setup.

Accelerated Rewards Program

• 4 reward points on spending every Rs. 100 on departmental stores, groceries, and utility bill payments.
• 2 reward points on spending every Rs. 100 at all other merchant categories.
• 1 reward point on spending every Rs. 100 on rent, insurance, education, and government categories.
• Fuel transactions are excluded from earning reward points.

Milestone Benefits

• 500 bonus reward points on retail spending of Rs. 50,000 per calendar quarter.
• Additional 1,000 bonus reward points on retail spends of Rs. 1 Lakh per calendar quarter.
• Fuel transactions and cash withdrawals are excluded from earning reward points.
• Rs. 1,000 worth of vouchers of top brands on retail spends of a minimum of Rs. 2.50 Lakhs in a card anniversary year. 
• 1,000 bonus reward points on one retail transaction done on your birthday.

Complimentary Lounge Access

• Complimentary lounge access at 1,000+ airport lounges within and outside India.
• 1 complimentary access per calendar quarter at all participating lounges using Priority Pass. 
• 1 complimentary lounge access per calendar quarter in India using VISA Card. 
• 2 complimentary lounge access per calendar quarter at railway stations in New Delhi, Ahmedabad, Jaipur, Kolkata (Sealdah), and Agra with VISA cards. 
• Airport and railway lounge benefits are also applicable to add-on AU Vetta credit card members within the mentioned complimentary number of visits.

Dedicated Concierge Services

• Global Concierge Assistance for booking travel, arranging a golf session, planning a perfect anniversary dinner, etc. Call on 24x7 toll-free number at 1800 210 0298 or 022-42320298.

Fuel Surcharge Waiver

• 1% fuel surcharge waiver. 
• The maximum benefit available is Rs. 250 per statement cycle.
• Offer applicable for fuel transactions between Rs. 400 and Rs. 5,000 per statement cycle across all fuel stations in India.

Comprehensive Protection Cover

• Rs. 50 Lakhs worth of Air Accident Cover.
• Credit Shield of up to Rs. 5 Lakhs.
• Purchase Protection of up to Rs. 25,000.
• Credit Liability Cover in the event of credit card loss. You have zero liability on any fraudulent transactions made with the card after reporting the loss to the bank.
• Cover against card counterfeit/ skimming and online frauds.
• Cover for baggage loss/delay, flight delay, loss of passport, and plane hijack.

Contactless Card Usage

Use your AU Vetta Card to make quick, secure and easy payments by just tapping the card and paying at participating merchants without entering the credit card PIN for amounts up to Rs. 5,000.

XpressEMI

• Convert any transactions of Rs. 2,000 or above into easy EMI options on the select tenure of your choice. 

Annual Card Membership Fee 

• Joining fee: Rs. 2,999 + applicable taxes. Waived on retail spends of Rs. 40,000 done within 90 days of card set up.
• Annual fee: Rs. 2,999 + applicable taxes. Waived on retail spends of Rs. 1,50,000 done in the previous card anniversary year.

Following are the fees and charges associated with AU Small Finance Bank Vetta Credit Card:

• Annual membership fee: Rs. 2,999 + applicable taxes. 
• Cash advance fee: 2.5% (minimum Rs. 100).
• Charges on revolving credit: 3.49% per month (41.88% annually). 
• Foreign currency transactions: 2.99%.
• Overlimit charges: 2.5% of over limit amount (minimum Rs. 500).
• Late payment charges: Rs. 0 to Rs. 1,100.
• Cheque, ECS/NACH, Autopay return charges: Rs. 500.
• Loan processing fee 1% (minimum Rs. 500). 
• Loan preclosure charge: 3% of the outstanding principal.
• Balance Transfer on EMI processing charges: 1% of the transfer amount (minimum Rs. 250).
• EMI conversion charges: 1% (minimum Rs. 99 + GST) for Xpress EMI & Rs. 199 + GST for Instant EMI.
• Card validation charges (lounges): Rs. 2.
• Priority Pass lounge charges: $27 + taxes for all visits within India. 
• Duplicated physical statement request charges: Rs. 100.
• Reissuance of lost/ stolen/ damaged card: Rs. 100.
• Outstation cheque processing charges: Rs. 25.
• Goods and Services Tax (GST): 18% applicable on all above-mentioned fees, interest & charges

You have to meet the basic AU Bank Credit Card Eligibility Criteria mentioned below to apply for the card:

• Primary cardholder must be aged between 21 and 60 years.
• Add-on cardholder mst be aged above 18 years.
• Only Indian resident can apply for the card.
   

The criteria mentioned above are only indicative. AU Bank reserves the right to approve or decline credit card applications.

Also Read: AU Bank Credit Card Login

If you want to apply for a Vetta credit card, you must submit the following documents:

• Address proof: Valid Passport/ Aadhar Card or proof of possession of Aadhar/ Driving Licence issued by regional transport Authority/ Voter's Identity Card/ Job Card issued by NREGA/ Letter issued by National Population Register.
• Identity proof: Valid Passport/ Aadhar Card or proof of possession of Aadhar/ Driving Licence issued by regional transport Authority/ Voter's Identity Card/ Job Card issued by NREGA/ Letter issued by National Population Register.
• Income proof: Bank Statements, Recent Salary Slips, Form 16 and Income Tax Returns.

Follow the steps given below to apply for AU Bank Vetta credit card:

• Click on the ‘Credit Cards’ on our website’s homepage.
• Select ‘AU Bank Credit Card’ from the dropdown menu. 
• Select the desired credit card and click the ‘Apply Now’ button.
• Enter all the required details.
• Verify your mobile number with an OTP.
• You will get a call from our credit card expert soon to help you complete the credit card application process.