AU Bank Vetta Credit Card
Card Summary
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. 👇
Quick Overview
Expert 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.
Key Features
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...
Key Highlights
Reward Rate
Up to 3%
Annual Fee
₹2999
Rating
4.2/5
Category
Premium
Fuel Benefits
1% Fuel Surcharge Waiver
Available at all fuel stations across India
Zero Lost Card Liability
Complete Protection Against Fraud
In the unfortunate event of losing your card, report it immediately to our 24-hour call centre and you have zero liability on any fraudulent transactions made on your Credit Card.
Advantages
Accelerated reward points on grocery and utility bill payments.
Complimentary airport and railway lounge access.
Comprehensive insurance cover.
Limitations
High annual fee.
No air miles.
No golf privileges.
No reward points on fuel transactions.
Fee and Charges
Joining Fee
₹2999
Annual Fee
₹2999
APR
41.88%
| Charge Type | Amount |
|---|---|
| Add-on Card Fee | Free |
| Cash Withdrawal Fee | 2.5% |
| Card Replacement Fee | ₹100 |
| Foreign Transaction Fee | 2.99% |
| Over Limit Penalty | 2.50% |
| Fuel Transaction Surcharge | 1% |
| Minimum Repayment Amount | 5% |
Late Payment Charges
| Outstanding Balance | Late Fee |
|---|---|
| ₹100 to ₹500 | ₹100 |
| More than ₹50,000 | ₹1100 |
Reward Points Structure
| Rewards Category | Rate | Eligibility |
|---|---|---|
| Special Categories | Up to 3% | Based on card category and benefits |
| General Spends | 1X | All other purchases and transactions |
Partner Merchants:
Who Should Opt for This Card?
Premium Service Seekers
Ideal for those who value premium services and exclusive benefits
How to Apply
Visit the AU Small Finance Bank website or nearest branch
Navigate to the credit cards section
Select the desired credit card
Click on "Apply Now" and fill the application form
Upload required documents (identity, address, income proof)
Submit the application and wait for verification
Receive your credit card upon approval
Processing Time
7-10 days
Eligibility Criteria
Age: 21-60 years
Residency: Indian resident
Income: Stable income required
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. 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>
Expert Review
Detailed Analysis
The AU Bank Vetta Credit Card stands out as a premium choice for those seeking a credit card with excellent rewards and benefits. With Up to 3% rewards on eligible spends, it makes a compelling option for premium enthusiasts.
The card's comprehensive insurance coverage and lounge access benefits offer added value and convenience for cardholders.
While the card offers numerous advantages, it is essential to consider the annual fee of ₹2999 and other associated charges. These factors should be weighed against the benefits offered.
Overall, the AU Bank Vetta Credit Card is a good option for those who want a premium credit card with excellent rewards and premium benefits. If you are looking for a card that offers good value for money, this is worth considering.
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