Premium lifestyle card with accelerated rewards and travel privileges
1% on ₹400-₹5,000 transactions (max ₹250/month)
4 RP on grocery/departmental/utility; 2 RP on other retail; 1 RP on insurance/telecom
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| Benefit | Details |
|---|---|
| Accelerated Reward Points | Earn 4 reward points per ₹100 spent on grocery, department store, and utility bill payments; 2 reward points on all other retail spends. |
| Quarterly Milestone Benefits | Receive 500 bonus reward points on retail spends of ₹50,000 per calendar quarter and an additional 1,000 bonus points on reaching ₹1 lakh retail expenditure per quarter. |
| Airport & Railway Lounge Access | Enjoy 1 complimentary domestic and 1 international airport lounge visit per calendar quarter, plus 2 railway lounge visits per quarter. |
| Annual Milestone Benefit | Receive vouchers worth ₹1,000 on minimum retail spends of ₹2.50 lakh during the card anniversary year. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | AU Small Finance Bank |
| Bank / Non-bank | Small Finance Bank |
| Category | Premium Lifestyle / Rewards |
| Type of Card | Visa / RuPay |
| Free or Paid | ₹2,999 + GST Annually (waived on ₹40,000 spends within 90 days for first year; ₹1,50,000 annual spends for subsequent years) |
The AU Bank VETTA Credit Card is designed for individuals who seek premium lifestyle privileges combined with accelerated reward points on everyday spending. This card works well for those who regularly shop at grocery and departmental stores, pay utility bills, and travel frequently both domestically and internationally. With complimentary airport and railway lounge access, 24x7 global concierge services, and comprehensive insurance coverage, the VETTA Credit Card serves as a practical choice for users who value both rewards and travel benefits.
Global Acceptance: The card can be used at millions of merchant outlets worldwide that accept Visa or RuPay, providing flexibility for both domestic and international transactions.
Add-on Cards: Family members above 18 years of age can receive supplementary cards at no additional cost for a lifetime, enabling shared benefits across the household.
Contactless Payments: The card supports tap-and-pay functionality for transactions up to ₹5,000 at participating merchants, eliminating the need to enter a PIN for quick purchases.
XpressEMI Facility: Cardholders can convert transactions worth ₹2,000 or more into easy monthly installments through various channels including WhatsApp banking at 8383838399, customer care at 1800 1200 1500, or through the AU 0101 mobile app.
Zero Liability Protection: In case of card loss, cardholders face zero liability on fraudulent transactions made after reporting the loss to the bank.
4X Reward Points: Cardholders earn 4 reward points per ₹100 spent on categories like grocery stores and departmental stores.
2X Reward Points: Cardholders earn 2 reward points per ₹100 spent on all other merchant categories.
1X Reward Points: Cardholders earn 1 reward point per ₹100 spent on insurance and telecom categories.
The following transactions do not earn reward points: Cash withdrawals, Fuel purchases, Rent payments, Education and government transactions, EMI transactions, BBPS (Bharat Bill Payment System) transactions, Quasi cash transactions.
Accumulated reward points can be redeemed for: E-vouchers from top brands, Merchandise from top brands, Mobile and DTH recharges, Flight and hotel bookings.
First Milestone: Earn 500 bonus reward points on retail spends of ₹50,000 per calendar quarter.
Second Milestone: Earn an additional 1,000 bonus reward points on reaching retail spends of ₹1 lakh per calendar quarter.
Total Quarterly Bonus: Cardholders can earn up to 1,500 bonus reward points in every calendar quarter with retail spends of ₹1 lakh.
Anniversary Vouchers: Cardholders receive vouchers worth ₹1,000 from partner brands on completing minimum retail spends of ₹2.50 lakh during the card anniversary year.
Special Reward: Cardholders receive 1,000 bonus reward points on completing one retail transaction on their birthday.
Domestic Airport Lounge: 1 complimentary domestic airport lounge visit per calendar quarter.
International Airport Lounge: 1 complimentary international airport lounge visit per calendar quarter.
Add-on Cardholder Access: Supplementary cardholders can also enjoy airport lounge benefits within the complimentary number of visits mentioned.
Complimentary Visits: 2 complimentary railway lounge visits per calendar quarter at select railway stations across India including stations such as Delhi, New Delhi, Kolkata (Sealdah), Jaipur, Asansol, Chennai, Durgapur, and Madurai.
Add-on Cardholder Access: Supplementary cardholders can also enjoy railway lounge benefits within the complimentary number of visits mentioned.
24x7 Assistance: Cardholders can customise travel, entertainment, and leisure experiences with 24x7 global concierge assistance.
1% Waiver: Cardholders get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at all fuel stations across the country.
Air Accident Cover: ₹50 lakh worth air accident cover.
Credit Shield Cover: Up to ₹5 lakh credit shield coverage.
Purchase Protection: Up to ₹25,000 purchase protection.
Additional Travel Insurance: Coverage against baggage loss, baggage delay, flight delay, loss of passport, and plane hijack.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹2,999 + GST | One-time charge when the card is issued. |
| Annual Fee | ₹2,999 + GST | Charged every year. |
| Add-on Card Fee | ₹0 | Lifetime free (up to 3 per Credit Card account) |
| Cash Advance Fee | 2.5% of withdrawn amount | Maximum ₹500 per transaction. |
| Reward Redemption Fee | ₹99 + GST | Charged when redeeming reward points. |
| Over-limit Charges | 2.5% of over-limit amount | Minimum ₹500. |
| Criteria | Details |
|---|---|
Age (Salaried Individuals) | Minimum 21 years, Maximum 60 years |
Age (Self-Employed Individuals) | Minimum 25 years, Maximum 65 years |
Age (Add-on Cardholder) | Minimum 18 years |
Residency | Must be an Indian resident |
| Document Type | Details |
|---|---|
| Identity Proof | Passport, Driving License, Aadhaar Card, or any government-issued photo ID |
| Address Proof | Aadhaar Card, Passport, Utility Bills (electricity, water, gas), Voter ID, Ration Card, or any valid government-issued address proof |
| Income Proof | Recent salary slips, bank statements, Form 16, Income Tax Returns (ITR), or other relevant income documents as per bank policy |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your VETTA Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Reward Points | Use the card at grocery stores, departmental stores, and utility bill payments to earn 4 reward points per ₹100 spent. |
Track Milestone Spends | Monitor quarterly spending to ensure ₹50,000 (for 500 bonus points) and ₹1 lakh (for additional 1,000 bonus points). |
Airport Lounge Access | Request Priority Pass from AU Bank and use it at participating in domestic and international airport lounges (1 visit per quarter for each category). |
Railway Lounge Access | Present the card at eligible railway station lounges for complimentary access (2 visits per quarter). |
Birthday Transaction | Complete at least one retail transaction on the birthday to receive 1,000 bonus reward points. |
Global Concierge Services | Call 1800 210 0298 or 022-42320298 for assistance with flight bookings, hotel reservations, dining, golf sessions, and special occasion planning. |
Fuel Transactions | Use the card for fuel purchases between ₹400 and ₹5,000 to avail a 1% surcharge waiver (maximum ₹250 per statement cycle). Note: Fuel transactions do not earn reward points. |
XpressEMI Conversion | Convert large purchases (₹2,000+) into EMIs by calling customer care, using WhatsApp banking (8383838399), or through the AU 0101 app. |
Contactless Payments | Tap the card at merchant outlets for quick payments up to ₹5,000 without entering PIN. |
Monitor Statements | Regularly check credit card statements through the AU 0101 mobile app or online portal to track spending and reward points. |
Redeem Rewards Strategically | Accumulate sufficient reward points before redeeming to offset the ₹99 + GST redemption fee and maximize value. |
Annual Milestone Planning | Plan spending throughout the year to reach ₹2.50 lakh retail spends for the ₹1,000 anniversary voucher benefit. |
The AU Bank VETTA Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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