AU Small Finance Bank Vetta Credit Card Review 2021 | Vetta Credit Card Review 2021

AU Small finance bank has introduced a new range of credit cards, Vetta Credit Card is one of them. It is a low-cost premium Visa Credit Card that comes packed with a lot of amazing features and benefits like lounge access, Insurance Coverage, EMI facility, and lots more. You can also earn big rewards by using this card. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs.
    • Income: Above ₹3 lakh annually (Approx).
  • For self-employed person:
    • Age: 21 to 60 yrs.
    • Income: Above ₹3 lakh annually (Approx)
  • Good CIBIL score. Greater than 750.
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      •  Salary Slip of the last 3 months 
      • ITR
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹2,999 + GST (Will be waived off if ₹40,000 spend within first 90 days of card activation)
  • Annual Fee: ₹2,999 + GST (Will be waived off if ₹1,50,000 is spent in a year)


  • Welcome Benefit:

On spending ₹30,000 within 60 days of the card activation, you can win a gift voucher of ₹2000 as a welcome gift. 

  • Reward Benefit:

On spending ₹100 on Utility bill payments, you will get 10 reward points. You can win 4 points for the same on grocery and Departmental stores.

You will also get 2 points for each ₹100 transactions made on other categories. 

You can use your reward points to buy some of the selected merchandise or e-gift vouchers. Those points can also be used for mobile recharge, hotel booking, and flight booking.

  • Lounge Access:

With this card, you will get 1 free access per quarter to most of the priority pass lounges.

You will also get 1 free access per quarter to the domestic Visa lounges.  

This card also offers 2 free access to most of the domestic railway Visa lounges. This feature is applicable at some selected cities like Kolkata(Sealdah), Ahmedabad, Agra, Madurai, Jaipur, and New Delhi.

  • Fuel surcharge waiver:

This card offers a 1% waiver on fuel surcharges. This offer is applicable at all fuel stations in India. The transaction amount should be between ₹400 to ₹ 5,000.

  • Insurance Coverage:

The Vetta Credit Card also comes with built-in insurance coverage. 

You will get ₹50 lakh coverage against air accidental deaths, a credit shield of ₹2 lakh, and purchase protection of ₹25,000. 

This feature also provides coverage against lost baggage and travel documents, delayed flight, and plane hijack. 

Call 1800 1200 1500 to claim the benefits of the coverage.

  • Lost Card Liability:

With this card, you enjoy zero liability against lost or stolen cards. This feature also gives you protection against skimming and other online frauds.

  • Milestone Benefit:

Monthly Benefit: On spending ₹50,000 in a month, you can win an annual membership of Zomato Pro. You can get this benefit once a Year. 

Quarterly Benefit:  If you can spend ₹50,000 within a quarter then you will get 500 reward points. Also if you can spend ₹1 lakh in a quarter then you can win 1,000 reward points. That means if you spend ₹1 lakh in a quarter, you will get 1500 reward points. 

Yearly Benefit: on spending ₹2.5 lakh in a year you can earn a gift voucher of ₹1,000 you can choose your voucher from a list of top brands.

  • Birthday Benefit:

On your birthdays you can win 1000 reward points as a birthday gift on completing one successful retail transaction.

  • Add-on Card Facility:

You can share the benefits of your card with your loved ones. Just add them with your card as an add-on member and they can enjoy the benefits of having a credit card. The add-on member should be at least 18 years old. 

  • EMI Option:

AU Bank gives you the freedom to convert your high-value purchases into EMI. The transaction amount should be ₹2,000 or more. 

  • Contactless Payment:

Vitta Credit Card is equipped with the advanced contactless payment option. This feature is very helpful in preventing loss or misplacement of cards. 

  • Concierge Service:

You will enjoy world-class concierge service. You can get assistance in travel arrangements, hotel booking, golf booking, and booking dinner on a special evening. 

  • Global Acceptance:

This card is globally accepted. You can use this card at any stores or outlets where Visa cards are accepted.


  • Cash Withdrawal Charge: 2.5% against the withdrawn amount. 
  • Finance Charge: 2.99% monthly or 35.88% annually. 
  • Foreign currency transaction: 2.99% against the transacted amount. 

Contact Details:

Call: 1800-1200-1500


100XGain Ratings:


Final Opinion:

After studying the details of the card I can say that this card can be a good option for those who want premium benefits at a low cost. You can enjoy some awesome benefits like lounge access, EMI finance, accidental insurance coverage, and a low interest rate. In fact, at an annual fee of ₹2,999, it will be a good deal for you. 

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