AU Bank Vetta Credit Card

AU Bank Vetta Credit Card is rewarding and mid-level credit card in the market. This card comes with fees of ₹2999+GST but it can be waived off by achieving certain milestone. It gives you domestic and International lounge access and also railway lounge access at popular railway station. The card gives decent reward rate on Grocery and departmental store. Apart from this you also get Insurance benefits, Fuel surcharge waiver and many more. Read in detail to know more about these credit card.

JOINING FEE
Rs. 2,999+GST
RENEWAL FEE
Rs. 2,999+GST
BENEFITS
1 Domestic & International Lounge per Calendar quarter.
REWARDS &CASHBACK
1 RP on every ₹100 spent on utility Bill & 4 RP on every ₹100 spent on grocery and Departmental store & 2 RP on others.

Features & Benefits of AU Vetta Credit Card

Welcome Benefits

  • Get voucher worth of ₹2000 on making first Transaction within 60 days of card issuance.

Vetta Reward Program

  • Earn 2 Reward points on every ₹100 retail spends done accross all merchant categories.
  • Earn 4 Reward point for every ₹100 spent on Departmental store, Grocery purchase.
  • Earn 1 Reward point on every ₹100 on Insurance, Utilities & Telecom categories. Cardholder can earn 100 Reward point per transaction on utility and telecom spends.
  • No Reward Points on wallet, Cash, Rent, Education, Govt. Institutions, fuel, EMI.

Travel Benefits

  • Get complimentary 4 domestic lounge access per annum (max 1 per quarter) o and benefit is unlocked after spending ₹20,000 in previous quarter.
  • Get complimentary 4 International lounge access per annum ( max 1 per quarter) and you will receive your priority pass membership after making request. Cardholder can call on 1800 12000 1500 or send email to creditcard.priority@aubank.in .
  • Get 2 complimentary IRCTC lounge every quarter at kolkata, New delhi, Jaipur, Agra, Ahemdabad railway station.

Fuel Surcharge Waiver

  • Get 1% Fuel surcharge waiver on fuel transaction between ₹400 to ₹5000 and maximum waiver is Rs.250 per month. Note that you will not get any reward point on fuel spends.

Annual Benefits

  • Annual fee that is ₹2999+GST will be waived off on spending ₹1.5 lakh in previous year.
  • Joining fee will be reversed after spending ₹40,000 in 90 days of card activation.

Milestone Benefits

  • Get 500 Bonus reward points on spending ₹50,000 in calendar quarter and additional 1000 Reward points on spending ₹1 lakh in per calendar quarter.
  • Get voucher of worth ₹1000 on minimum retail spend of ₹2.5 lakh in card anniversary year.
  • Get 1000 Reward points on your birthday on completing one retail transaction.

Fees & Charges

Foreign Currency Markup

  • The card come with foreign currency markup fee that is 2.99% of total transaction amount which is quite high compare to other credit card at this joining/annual fee.

Finance Charges & Cash withdrawal Fee

  • Interest rate is 3.75% per month that is approx 45% per annum.
  • Cash withdrawal fee is 2.5% of withdrawal or min of ₹100.

Eligibility Criteria

  • The applicant age must be 21-60 years for salaried employee and 25-65 years for self employed and he/she should be resident of India.
  • AU Bank has not mentioned the salary but you need salary atleast more than ₹50-70k per month.
  • Final Thoughts

AU Bank Vetta credit card is mid segment card but when we see joining/annual fee it seems little disappointing. The card reward rate is very low 0.25% to 1% compare to other credit card as this price segment and foreign markup fee also too high. The government employee or top MNC employee can get this card as LTF so if you getting this card LTF then it is worth otherwise go with another card. 

  • Frequently Asked Questions
What is the validity of Reward Point in AU Bank Vetta Credit Card?

 The validity of Reward point is 2 years from the date of credit.

Yes, You will get 4 complimentary domestic and International lounges access per annum.

 Yes, You need to spend ₹1.5 lakh in previous year to get waived off the fees. 

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