AU Small Finance Bank Vetta Credit Card Review

The au small finance bank vetta credit card is the best choice for those who are looking for a low-cost premium credit card. Offering free access to airport lounges, exclusive waiver on fuel surcharges, and reward points on every transaction, this card brings so much value with it that it can easily justify the Rs. 2,999 annual fee. More about the benefits are discussed below.

Who can apply for the AU Small Vetta Credit Card?

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

What documents are required to apply for the au small finance bank vetta credit card?

  • 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 (Income Tax Return) 
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 

As per the new rules, all new credit cards are delivered in an inactive state, and the users can activate them manually by generating a new PIN. You can find more about the au bank credit card pin generation process from the 100xGain faq page.

What are the AU Small Vetta credit card fees?

  • Au small vetta credit card joining fee: Rs. 2,999 + GST (Will be waived off on spending Rs. 40,000 within the first 90 days of card activation)
  • Au small vetta credit card annual fee: Rs. 2,999 + GST (Will be waived off on spending Rs. 1,50,000 within a year)

What are the au finance Vetta credit card benefits?

  • A huge joining bonus to welcome you:

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

  • Make your every transaction rewarding with a powerful reward scheme:

The au vetta credit card features a powerful reward scheme that can make your every transaction rewarding. The details are given below.

Category of transaction Rate of earning reward points
Utility bill payments 10 reward points for every Rs.100 transaction.
Purchase made at departmental stores 4 reward points for every Rs.100 transaction.
All other expenses made using this card 2 reward points for every Rs.100 transaction.

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.

  • Complimentary lounge access that will make your travel more luxurious:

Under the priority pass membership, this card offers 1 free quarterly access to most of the priority pass lounges. This card also gives you 1 free quarterly access to domestic Visa lounges. 

This au bank credit card 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.

  • Enjoy freedom from fuel surcharges:

Every time you use your card to purchase fuel you will get a 1% waiver on fuel surcharges. This offer is applicable at all fuel stations in India. The transaction amount should be between Rs. 400 to Rs.  5,000.

  • Complimentary insurance coverage to stand for you in emergencies:

The Vetta Credit Card can provide you with support in unfortunate events with its built-in insurance coverage scheme. The details are given below. 

Particulars Total coverage amount
Death caused by air accidents. Rs. 50 lakh.
Credit shield. 2 lakh.
Purchase protection. Rs. 25,000

This feature also provides coverage against lost baggage and travel documents, delayed flight, and plane hijack. Call the au small finance bank credit card customer care number; 1800 1200 1500 to claim the benefits of the coverage.

  • Complimentary lost card liability coverage to support you in unfortunate events:

With this au small finance credit card, you enjoy zero liability against lost or stolen cards. That means if your card ever gets lost or stolen, you just have to report it by calling the toll-free customer care number and you will not be liable for anything bad that may happen to your account.

  • Earn attractive bonus rewards from the exclusive milestone benefit scheme:

Total card usage Benefit
Monthly Benefit. On spending Rs. 50,000 in a au bank credit card statement cycle. Annual membership of Zomato Pro (Applicable once in a year)
Quarterly Benefit. On spending Rs. 50,000 within a quarter. You will get 500 reward points.
On spending Rs. 1 lakh in a quarter. Extra 1,000 reward points.
Yearly Benefit. on spending Rs. 2.5 lakh in a year. A gift voucher of Rs. 1,000

    You can check your au bank credit card status from your net banking account.

  • Get attractive gifts on your birthdays:

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

  • Split your high-value transactions into small parts with a low-cost EMI option:

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

  • Enjoy the convenience of the advanced contactless payment method:

Vitta Credit Card is equipped with the advanced contactless payment option. This feature is very helpful in preventing loss or misplacement of cards. You can control the contactless au bank credit card payment option from your net banking account

  • A multilingual concierge service to assist you:

This card features a multilingual concierge service to provide you with assistance like hotel/travel booking, golf session arrangements, etc. Call: 1800 210 0298 (toll-free) or 022-42320298 to book your concierge.

  • Use your card anywhere in the world without restrictions:

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

What are the au bank credit card charges?

Particulars  Payable amount
Cash Withdrawal Charge 2.5% against the withdrawn amount (Check your available au bank credit card limit before making a withdrawal).
Finance Charge 2.99% monthly or 35.88% annually.
Foreign currency transaction 2.99% against the transacted amount.
Add-on card fee Free for a lifetime.

How to contact au small finance bank customer care department?

100xGain Ratings:

7/10

Pros and Cons:

Pros  Cons
  • This au credit card is very good at offering reward points
  • You will get free access to domestic and international airport lounges.
  • This au bank credit card also comes with complimentary insurance coverage protection.
  • There are no golf benefits on this card.

Final Opinion:

After studying the details I can say that this card can be a decent option for those who are looking for premium benefits at an affordable rate. It lets you enjoy free access to airport lounges, powerful rewards on every transaction, a multilingual concierge service, and lots more which I think is more than enough at this cost.

But if you are not satisfied with the benefits, or if you are looking for a more premium option, then feel free to take a look at our top premium credit card page. You can also compare the alternative card options given below.

Alternative Cards: 

  1. Axis Bank’s reserve credit card (Best for offering reward points and lounge access benefits)
  2. ICICI Bank Diamond credit card (Best for offering reward points and lounge access benefits)
  3. IDFC First Bank Wealth Credit Card (Best for offering reward points and lounge access benefits)
  4. SBI prime credit card (Best for offering reward points and lounge access benefits)

 

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