Discover a credit card that aligns with your lifestyle – the AU Bank Vetta Credit Card. This card is designed to offer you a range of benefits and privileges that cater to your preferences. From utility bill payments to exclusive travel perks, let’s delve into the key features, benefits, fees, and eligibility criteria of the AU Bank Vetta Credit Card:
Key Highlights of AU Bank Vetta Credit Card
| Benefit | Description |
|---|---|
| Reward Points | Earn 10 reward points for every Rs.100 on utility bills. |
| Credit Shield | Enjoy a credit shield of up to Rs.2 lakh. |
| Priority Pass Program | Access 1 free airport lounge visit every quarter. |
| Zomato Pro Membership | Receive a one-year membership on spending Rs.50,000/month. |
Fees and Charges
| Charge | Fee |
|---|---|
| Joining Fee | NIL |
| Annual Fee | Rs.2,999 |
| Add-on Card Fee | NIL |
| Cash Advance Fee | 2.5% of amount withdrawn (min. Rs.100) |
| Revolving Credit Charge | 2.99% per month (35.88% annualised) |
| Late Payment Charges | Varies based on outstanding amount |
| GST | 18% |
Eligibility Criteria
| Criteria | Requirements |
|---|---|
| Residence | Indian resident |
| Primary Cardholder Age | 21 to 60 years |
| Add-on Cardholder Age | Minimum 18 years |
Features and Benefits of AU Bank Vetta Credit Card
| Category | Features and Benefits |
|---|---|
| Welcome Benefits | – Receive vouchers worth Rs.2,000 on spending Rs.30,000 in 60 days. |
| Reward Points Benefits | – Earn 10 points per Rs.100 on utility bills. |
| – Earn 4 points per Rs.100 at grocery stores. | |
| – Earn 2 points per Rs.100 on other categories. | |
| Milestone Benefits | – Annual Zomato Pro Membership on spending Rs.50,000/month. |
| – Vouchers on spending Rs.2.5 lakh in anniversary year. | |
| Birthday Benefits | – 1,000 bonus points on birthday retail transaction. |
| Fuel Benefits | – 1% fuel surcharge waiver on transactions Rs.400-Rs.5,000. |
| Railway Lounge Benefits | – 2 complimentary railway lounge visits every quarter. |
| Airport Lounge Benefits | – 1 free airport lounge visit in India every quarter. |
| – Priority Pass: 1 free visit per quarter. | |
| Contactless Transaction Benefits | – Tap and pay at partner merchants for quick transactions. |
| EMI Benefits | – Convert transactions of Rs.2,000 or more into EMIs. |
| Insurance Benefits | – Air Accident Cover: Rs.50 lakh |
| – Credit Shield: Up to Rs.2 lakh | |
| – Purchase Protection: Up to Rs.25,000 |
Redemption of Points Earned
| Redemption Options | Points Can Be Redeemed For |
|---|---|
| Purchasing Partner Brands’ E-vouchers | Hotel room bookings, merchandise, flight tickets, mobile/DTH recharge, etc. |
AU Bank Vetta Credit Card Lounge Benefits
| Benefit | Description |
|---|---|
| Railway Lounge Access | 2 complimentary visits every quarter at select railway stations: Kolkata (Sealdah), Jaipur, New Delhi, Madurai, Ahmedabad, Agra. |
| Airport Lounge Access | 1 free visit per calendar quarter at participating Indian airport lounges. |
| Priority Pass Program | 1 free visit per calendar quarter at Priority Pass partner lounges. |
| Add-On Cardholder Access | Add-on cardholder also enjoys the airport lounge benefits. |
Fuel Benefits:
- Enjoy a 1% fuel surcharge waiver on fuel purchases at any fuel station across the country.
- Maximum waiver of Rs.250 in one statement cycle on transactions between Rs.400 and Rs.5,000.
Travel Coverage:
- Offers travel cover for events such as delay of baggage, loss of baggage, hijacking of airplane, loss of passport, and flight delay.
Overview of AU Bank Vetta Credit Card
The AU Bank Vetta Credit Card is a versatile financial tool that offers a range of benefits tailored to enhance your lifestyle. From earning reward points on utility bill payments and grocery purchases to enjoying exclusive lounge access and travel coverage, this card is designed to provide you with comprehensive privileges. With a focus on convenience and luxury, the AU Bank Vetta Credit Card presents features such as milestone benefits, birthday rewards, and fuel surcharge waivers. Whether you’re a frequent traveler, a food enthusiast, or someone who values financial security, this credit card covers a wide spectrum of needs. Experience the convenience of contactless transactions, convert your purchases into EMIs, and benefit from insurance coverage for added peace of mind. With the AU Bank Vetta Credit Card, you’ll discover a world of rewards and privileges that complement your lifestyle
How to Apply for AU Bank Vetta Credit Card?
Applying for the AU Bank Vetta Credit Card is a simple and straightforward process. You can choose between online and offline methods based on your convenience. Here’s a step-by-step guide to help you apply:
Online Application:
- Visit the Official Website: Navigate to the official website of AU Bank (formerly known as AU Small Finance Bank).
- Credit Cards Section: Look for the “Credit Cards” section on the website and find the AU Bank Vetta Credit Card.
- Click on Apply: Click on the “Apply Now” button next to the AU Bank Vetta Credit Card to initiate the application process.
- Provide Details: Fill in the required information, including your personal details, contact information, income details, and employment information.
- Submit Documents: Upload the necessary documents, such as identity proof, address proof, income proof, and any other documents as per the bank’s requirements.
- Review and Submit: Carefully review all the provided information and documents. Once you’re satisfied, submit the application.
- Application Verification: The bank’s representatives will verify the information and documents provided in your application.
- Application Status: You can track the status of your application through the bank’s online portal or customer service.
Offline Application:
- Visit Branch: Locate the nearest AU Bank branch in your city.
- Application Form: Collect the AU Bank Vetta Credit Card application form from the branch.
- Fill and Submit: Fill in the required details accurately in the application form. Attach the necessary documents.
- Submit: Submit the completed application form and documents to the bank’s branch.
- Application Verification: The bank’s representatives will verify the information and documents provided in your application.
- Application Status: You can inquire about the status of your application by contacting the bank’s customer service or visiting the branch.
Note: Meeting the eligibility criteria, providing accurate information, and submitting the required documents are crucial for a successful credit card application. Make sure to review the terms and conditions associated with the credit card before applying.
Applying for the AU Bank Vetta Credit Card allows you to access a host of benefits and rewards that can elevate your financial experience. Whether you choose the online or offline application method, AU Bank aims to make the application process as convenient as possible for potential cardholders.
Frequently Asked Questions (FAQs) – AU Bank Vetta Credit Card
What is the annual fee for the AU Bank Vetta Credit Card?
The annual fee for the AU Bank Vetta Credit Card is Rs.2,999.
What are the reward points benefits of the AU Bank Vetta Credit Card?
You can earn 10 reward points for every Rs.100 spent on utility bill payments, 4 reward points for every Rs.100 spent at grocery and departmental stores, and 2 reward points for every Rs.100 spent on other merchant categories.
What milestone benefits does the AU Bank Vetta Credit Card offer?
The card offers an annual Zomato Pro Membership on spending Rs.50,000 in one calendar month. You'll also receive vouchers worth Rs.1,000 when you spend Rs.2.50 lakh during your credit card's anniversary year.
Are there any birthday benefits associated with the AU Bank Vetta Credit Card?
Yes, you can enjoy 1,000 bonus reward points on using the AU Bank Vetta Credit Card for a retail transaction on your birthday.
What fuel benefits are provided by the AU Bank Vetta Credit Card?
The card offers a 1% fuel surcharge waiver on fuel purchases at any fuel station across the country. The maximum waiver is Rs.250 in one statement cycle on transactions between Rs.400 and Rs.5,000.
How can I avail the railway lounge benefits of the AU Bank Vetta Credit Card?
You can enjoy 2 complimentary railway lounge visits every calendar quarter at specified railway stations. These include Kolkata (Sealdah), Jaipur, New Delhi, Madurai, Ahmedabad, and Agra.
What are the airport lounge benefits of the AU Bank Vetta Credit Card?
You can get 1 free airport lounge visit in India every calendar quarter. Additionally, under the Priority Pass Program, you can enjoy 1 free visit per quarter at participating airport lounges.
Is there a contactless transaction benefit with the AU Bank Vetta Credit Card?
Yes, you can make contactless payments by tapping the card at partner merchants for quick transactions. The card PIN does not have to be entered for these transactions.
Can I convert transactions into EMIs with the AU Bank Vetta Credit Card?
Yes, transactions amounting to Rs.2,000 or more can be converted into EMIs. You can choose a suitable repayment tenure.
What insurance benefits are provided by the AU Bank Vetta Credit Card?
The card offers an Air Accident Cover of Rs.50 lakh, Credit Shield of up to Rs.2 lakh, and Purchase Protection of up to Rs.25,000.
What is the eligibility criteria to apply for the AU Bank Vetta Credit Card?
To apply for the card, you need to be an Indian resident. The primary cardholder's age should be between 21 and 60 years, while an add-on cardholder should be over 18 years old.
Is there a fee for Priority Pass lounge access with the AU Bank Vetta Credit Card?
Yes, there is a fee of $27 plus taxes per person for every visit to a Priority Pass lounge.
How can I redeem the reward points earned on the AU Bank Vetta Credit Card?
The reward points can be redeemed for various options, including purchasing partner brands' e-vouchers, booking hotel rooms, buying merchandise from the AU Bank catalogue, booking flight tickets, and recharging mobile/DTH.
What is the foreign currency mark-up fee for the AU Bank Vetta Credit Card?
The foreign currency mark-up fee for the card is 2.99%.
These FAQs provide valuable information about the AU Bank Vetta Credit Card’s features, benefits, and eligibility criteria. If you have further queries or need additional details, you can reach out to AU Bank’s customer service or refer to the official bank’s website.