The AU Bank Vetta Credit Card is a credit card offered by AU Bank that is suitable for those looking for a mid level lifestyle credit card. To own this card, there is an annual membership fee of Rs. 2,999. However, you can have this fee waived if you spend a certain amount as specified by the bank. AU Bank Vetta Credit Card provides rewards for all your purchases, making it beneficial for any spending category. Moreover, it offers even higher rewards for utility bill payments, grocery purchases, and departmental store expenses. So, you can earn rewards faster when spending in these areas.
The AU Bank Vetta Credit Card also comes with some added perks. You get complimentary access to airport and railway lounges, both domestically and internationally. This means you can enjoy a comfortable and relaxing experience while waiting for your flights or trains. The card provides a dedicated concierge service to assist you with various tasks, such as making travel bookings or restaurant reservations. It aims to provide personalized assistance to make your life easier. AU Bank Vetta Credit Card covers comprehensive insurance coverage that comes with the card. You may be eligible for coverage such as travel insurance and purchase protection. It’s important to review the specific details of the insurance coverage in the terms and conditions. AU Bank Vetta Credit Card may offer other add on perks, including discounts on dining, entertainment, shopping, and access to exclusive events or promotions.
AU VETTA CREDIT CARD FEATURES AND BENEFITS
Vouchers: Get INR 2000 worth of vouchers when you spend a minimum of INR 30,000 on retail purchases within 60 days of receiving your card.
Reward Points Program: Earn 4 reward points for every INR 100 spent on groceries, department stores, and utility bill payments. For other merchant categories, earn 2 reward points per INR 100 spent. Rent, insurance, education, and government categories earn 1 reward point per INR 100 spent.
Quarterly Milestone Benefits: Spend INR 50,000 per calendar quarter and receive 500 bonus reward points. Reach INR 1 lakh in retail spends per quarter and earn an additional 1,000 bonus reward points, for a total of up to 1,500 bonus reward points each quarter.
Yearly Milestone Benefits: Spend a minimum of INR 2.50 lakh in a card anniversary year and receive INR 1,000 worth of vouchers from a selection of top brands.
Birthday Benefits: Enjoy 1,000 bonus reward points by making a retail transaction on your birthday.
Airport Lounges: Get one free lounge access per quarter within India using your VISA card. You can also access over 1,000 airport lounges worldwide with one free lounge access per quarter using Priority Pass.
Railway Lounges: Enjoy two free lounge accesses per quarter at railway stations with your VISA card.
Dedicated Concierge Services: Take advantage of personalized assistance for travel, entertainment, and leisure activities by calling the 24/7 helpline. For priority assistance, contact [email protected].
Fuel Surcharge Waiver: Receive a 1% waiver on fuel surcharges for transactions between INR 400 and INR 5,000 at all fuel stations in the country (up to a maximum of INR 250 per statement cycle).
AU Rewardz: Redeem your reward points for e-vouchers, merchandise, mobile/DTH recharges, flight/hotel bookings, and more.
Air Accident Cover: Enjoy coverage of INR 50 Lakhs.
Card Liability Cover: Zero liability for fraudulent transactions reported after card loss, protection against card counterfeit/skimming and online frauds.
Credit Shield: Coverage of up to INR 5 Lakhs.
Purchase Protection: Coverage of up to INR 25,000 for purchases.
Travel related covers: Coverage for baggage loss, baggage delay, flight delay, loss of passport etc
Contactless Card Usage: Make quick, secure, and easy payments by tapping your AU credit card at participating merchants for amounts up to INR 5000, without entering your PIN.
XpressEMI: Convert transactions of INR 2,000 or more into easy EMI options by contacting the Customer Care helpline.
Add-on Cards: Extend the benefits of your Vetta Credit Card to your loved ones with our free lifetime add on card offering.
AU VETTA CREDIT CARD FEES AND CHARGES
The annual membership fee for the card is Rs. 2,999 plus taxes. However, there are certain conditions under which you can have the fee waived for the first and subsequent years
First Year Fee Waiver: To have the annual fee waived for the first year, you need to spend a minimum of Rs. 40,000 on retail purchases within 90 days of receiving your card. Meeting this requirement will ensure that you don’t have to pay the annual fee for the first year.
Second Year Onwards Fee Waiver: From the second year onwards, you can have the annual fee waived by making retail spends totaling Rs. 1,50,000 in the previous year, starting from your card anniversary date. If you meet this spending threshold, the annual fee will be waived for the second year and all subsequent years.
The conditions for annual fee waivers associated with your specific card. By spending the required amounts within the designated timeframes, you can avoid paying the annual membership fee. Remember to review the terms and conditions provided by your card issuer for the most accurate and up to date information.
AU VETTA CREDIT CARD ELIGIBILITY CRITERIA
Primary Cardholder:
| Age | You must be between 21 and 60 years old |
| Citizenship | You need to be a resident of India |
| Income | It’s important to have a regular source of income, although specific income criteria can vary depending on the credit card issuer and the type of card. |
Add-on Cardholder:
| Age | The add-on cardholder should be at least 18 years old |
| Relationship | Typically, the add-on cardholder should be a family member, such as a spouse, parent, child, or sibling. Some credit card issuers may allow other relationships, but this can vary. |
Banks may consider factors like credit history, credit scores, and employment status when evaluating credit card applications. You will generally need to provide documents such as proof of identity, address, and income along with your application. To apply for a credit card, you can visit the official website of your chosen bank or go to a nearby branch to learn more about their eligibility criteria and the application process.