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AU Vetta Credit Card
Travel
Rewards
1st Year Fee: ₹2,999* Plus Applicable Taxes
Rewards
4X reward points on everyday spends
Shopping
Vouchers worth Rs. 1,000 every year
Travel
Domestic & international lounge visits
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About AU Vetta Credit Card
AU Vetta Credit Card is a suitable option for consumers who want to earn accelerated rewards on everyday spends. Cardholders can earn 4 reward points per Rs. 100 on grocery and departmental store purchases, 2 points on other retail spends, and 1 point on utility and telecom payments. The accumulated rewards can be redeemed for e-vouchers, merchandise, mobile/DTH recharges, or flight/hotel bookings.
Apart from rewards, the card offers several benefits for frequent travellers, including complimentary domestic & international lounge visits, railway lounge access, and 24×7 concierge services. Cardholders can also earn up to 1,500 bonus rewards through milestone benefits.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit AU Small Finance Bank’s website.
Rewards Program
Reward Earning
- 4 reward points for every Rs. 100 spent on grocery & departmental stores
- 2 reward points for every Rs. 100 spent on other merchant categories1
- 1 reward point for every Rs. 100 spent on insurance and utility & telecom categories2
Reward Redemption
- Redeem accumulated reward points against e-vouchers of top brands, merchandise, mobile/DTH recharges, flight/hotel bookings and much more
Other Features & Benefits
Lounge Access
- 1 complimentary domestic lounge visit per quarter on spending Rs. 20,000 in the previous quarter
- 1 complimentary international lounge visit per quarter, using Priority Pass
- 2 complimentary railway lounge access every quarter
Milestone Benefits
- 500 bonus reward points on quarterly retail spends of Rs. 50,000 retail spends
- Additional 1,000 reward points on reaching Rs. 1 Lakh retail spends in a quarter
- 1,000 worth vouchers on annual retail spends of Rs. 2.50 Lakh
AU Vetta Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 2,999 + Applicable Taxes | ||||||||||||||||
| Annual Fee | Rs. 2,999 + Applicable Taxes | ||||||||||||||||
| Finance Charges | 3.75% p.m. | 45% p.a. | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if
You are looking for a card with accelerated rewards on everyday categories, such as grocery & departmental stores
You are a frequent traveller seeking additional travel perks through complimentary lounge visits
You can spend Rs. 2.5 Lakh in a year to maximize milestone benefits
Other Similar Cards
Paisabazaar Review
What do we like about this card?
AU Vetta credit card is a suitable option for consumers who prefer to put their everyday spends on their credit card. Cardholders can earn 4X rewards on grocery & departmental store spends and redeem them against a variety of categories. Additionally, the card offers quarterly and annual milestone benefits, complimentary domestic & international lounge visits, and a birthday bonus of 1,000 reward points upon completing a retail transaction on birthday, which enhances the card’s overall value.
Pros
- 4X rewards on everyday spends, including grocery & departmental stores
- Base reward rate on utility & telecom spends
- Complimentary domestic & international lounge visits
- Up to 1,500 bonus rewards as quarterly milestone benefit
- Vouchers worth Rs. 1,000 every year as annual milestone benefits
Cons
- Domestic lounge access benefits are spend-based
- High annual fee of Rs. 2,999 plus applicable taxes
- Limited lounge access benefits
Frequently Asked Questions
Everything you need to know about this credit card
You can apply for AU Small Finance Bank Vetta Credit Card online via official website of AU Small Finance Bank. The application process involves filling out a form, submitting necessary KYC documents, and completing identity verification.
You can earn 4 reward points per Rs. 100 on grocery and departmental store purchases, 2 reward points per Rs. 100 on other retail spends and 1 reward point per Rs. 100 spent on utility & telecom categories.
AU Vetta Credit Card offers milestone rewards to encourage regular usage. Cardholders can earn 500 bonus points on spending Rs. 50,000 per quarter, an additional 1,000 bonus points for spending Rs. 1 Lakh per quarter, and Rs. 1,000 worth of vouchers on annual spends of Rs. 2.5 Lakh.
Yes, the card offers complimentary domestic & international lounge visits. You get 1 complimentary domestic lounge visit per quarter, 2 complimentary railway lounge visits per quarter, and 1 international lounge visit per quarter through the Priority Pass program.
Yes, the card offers a 1% fuel surcharge waiver on fuel transactions ranging between Rs. 400 and Rs. 5,000. The waiver is capped at Rs. 250 per statement cycle, making it a useful benefit for regular fuel spenders.
Reward points earned on AU Vetta Credit Card can be redeemed through the AU 0101 app or the net banking portal. The points can be used to avail e-gift vouchers, merchandise, or other redemption options offered by the bank, depending on the number of points accumulated.
Footnotes
- Cash, Rent, Education & Government, EMI, Fuel, BBPS and Quasi Cash transactions are not eligible for reward points.
- Cardholders can earn a maximum of 100 reward points per transaction on utility & telecom spends.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
