AU Bank Vetta Credit Card
The AU Bank Vetta Credit Card is a lifestyle card with a yearly fee of ₹2,999, which can be waived if you spend a certain amount. It offers rewards on all purchases, with higher rewards on grocery and departmental store shopping. The card also includes free access to airport and railway lounges, a concierge service, and insurance coverage.
This card is a good choice for those who want great rewards and extra perks. You get 2.5% rewards on utility bill payments and 1% on grocery and departmental store spending. New users can also earn ₹2,000 in vouchers by spending ₹30,000 in the first 60 days. Other benefits include one free international lounge visit per quarter and a free Zomato Pro membership when spending ₹50,000. With its rewards, discounts, and travel benefits, the AU Bank Vetta Credit Card is a great option for frequent shoppers and travelers.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Key Considerations Before Applying for a Credit Card in India:
- Eligibility Criteria: Ensure you meet the eligibility requirements, which typically include age, income, credit score, and employment status as defined by the issuing bank or financial institution.
- Credit Score: A strong credit score can significantly improve your chances of approval and result in more favorable terms, such as lower interest rates or higher credit limits. Verify that your credit score is healthy before applying.
- Interest Rates and Fees: Compare the annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction charges associated with various cards. These costs can vary widely and impact the overall value of the card.
- Rewards and Benefits: Evaluate the rewards, cashback, discounts, or other perks offered by the card to ensure they align with your spending patterns. Some cards may provide better benefits in specific categories, such as travel, shopping, or dining.
- Credit Limit: Review the credit limit offered by the card to ensure it meets your financial needs. Avoid applying for cards with excessive limits if you are concerned about managing debt, as this can lead to higher interest charges.
- Repayment Terms: Understand the repayment structure, including the minimum payment amount, payment due dates, and any associated penalties. Being clear about these terms can help you manage payments effectively and avoid interest buildup.
- Card Type and Features: Choose a card type that matches your specific needs—whether standard, premium, or specialized cards like those offering travel rewards or dining privileges. Ensure the features of the card align with your lifestyle and spending habits.
- Bank’s Reputation: Opt for a financial institution with a proven reputation for customer service and transparency. Consider researching customer reviews and assessing their support channels to ensure reliable service.
- Hidden Charges: Be aware of any hidden fees, including annual fees, balance transfer charges, foreign transaction fees, or cash withdrawal charges. These can add up over time and affect the overall cost-effectiveness of the card.
- Credit Utilization: Maintain a balance within your credit limit to avoid high credit utilization ratios, which can negatively impact your credit score. Responsible use of credit is essential for maintaining financial health.
- Long-Term Financial Plans: Consider how the credit card fits into your overall financial strategy. Avoid accumulating unnecessary debt and choose a card that supports your long-term financial goals without adding financial strain.
AU Bank Vetta Credit Card – Features, Benefits, and Review
The AU Bank Vetta Credit Card is a mid-range credit card designed for individuals who want a mix of rewards, travel perks, and lifestyle benefits. This card offers a strong rewards program, fee waivers, travel privileges, insurance coverage, and concierge services, making it a valuable choice for regular shoppers and frequent travelers.
Reward Points and Redemption
The AU Bank Vetta Credit Card comes with a rewarding points system that helps you earn while you spend. Cardholders earn:
- 4 Reward Points per ₹100 spent on groceries and departmental stores
- 2 Reward Points per ₹100 on other retail purchases
- Earn 1 reward point for every ₹100 spent on utility bills
Please note that Reward Points are not earned on fuel, cash, rent, education, or government payments.
Reward Points can be redeemed through the AU Rewardz portal for e-vouchers from top brands, merchandise, mobile and DTH recharges, and even flight or hotel bookings. Each Reward Point is valued at ₹0.25, offering good returns for your regular spending.
Travel and Lounge Benefits
Travelers can enjoy exclusive benefits with the AU Bank Vetta Credit Card. The card provides:
- One complimentary domestic airport lounge access per quarter under the Visa domestic lounge program (unlocked on quarterly spends of ₹20,000)
- Complimentary Priority Pass membership with one free international lounge visit per quarter (available on request)
- Two complimentary IRCTC lounge visits per quarter at select railway stations, including New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad, Agra, and Madurai
These lounge benefits are valid for both primary and add-on cardholders, making it ideal for families and frequent travelers. Additionally, your Reward Points can be redeemed for hotel and flight bookings, providing flexibility for travel-related expenses.
Milestone and Birthday Rewards
AU Bank rewards loyal cardholders with milestone and birthday benefits. You can earn:
- 500 bonus Reward Points on spending ₹50,000 in a calendar quarter
- An additional 1,000 Reward Points on reaching a spend of ₹1 lakh in a calendar quarter
- Vouchers worth ₹1,000 from top brands on annual spends of ₹2.5 lakh
- 1,000 bonus Reward Points on completing at least one retail transaction on your birthday
These benefits make the AU Bank Vetta Credit Card more rewarding for consistent users.
Annual Fee Waiver
- Joining fee is waived if you spend ₹40,000 within 90 days of card issuance
- Annual renewal fee is waived on spending ₹1.5 lakh in the previous year
These features make the card affordable and cost-effective for mid-range users.
Insurance Benefits
The AU Bank Vetta Credit Card provides a comprehensive insurance package to safeguard your travels and purchases. This includes:
- Air Accident Cover up to ₹50 lakhs
- Credit Shield up to ₹2 lakhs
- Purchase Protection up to ₹25,000
In addition, cardholders receive coverage for baggage loss or delay, flight delays, passport loss, and plane hijacking. Claims can be made easily through AU Bank customer care at 1800 1200 1500.
24×7 Concierge Services
Cardholders get access to a global concierge service that operates 24×7. The service assists with:
- Flight and hotel bookings
- Dining reservations
- Golf sessions
You can reach the concierge service via toll-free number 1800 210 0298 or 022-42320298.
AU Bank Vetta Credit Card Review
The AU Bank Vetta Credit Card stands out as a strong option in the mid-range segment. It offers high Reward Points on groceries, retail, and utility bill payments, along with milestone rewards and birthday bonuses. The travel benefits, lounge access, insurance coverage, and concierge service add significant value to the card.
When compared with other popular cards like HDFC Regalia Gold and SBI Card PRIME, the AU Bank Vetta Credit Card competes effectively with similar reward rates and annual fees. AU Bank differentiates itself by offering better rewards on certain categories and additional lifestyle perks, making it a compelling choice for frequent travelers and shoppers.
Overall, if you are looking for a credit card that combines rewards, travel privileges, and extra lifestyle benefits, the AU Bank Vetta Credit Card is worth considering.
How can I apply for the AU Bank Vetta Credit Card?
Apply online on the AU Bank website by clicking "Apply Now." You’ll need ID proof, address proof, and income proof (salary slip or ITR acknowledgment).
How much are AU Bank Reward Points worth?
1 Reward Point = ₹0.25. You can redeem them for e-vouchers, shopping, travel bookings, and mobile recharges on the AU Rewardz portal.
What is the interest rate on this credit card?
2.99% per month (35.88% annually) on unpaid balances.
Do I get free airport lounge access?
You get 1 free visit to a domestic lounge and 1 free visit to an international lounge every 3 months.
Will my Zomato Pro Membership be extended if I spend ₹50,000 for two months?
No, this benefit is available only once per credit card anniversary year.
Will I get reward points when I buy fuel?
No, fuel purchases don’t earn reward points.
What is AU Bank's customer care number?
Call 180012001500 or email creditcard.priority@aubank.in.
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