AU Bank Vetta Credit Card

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AU Bank Vetta Credit Card

AU Vetta credit card offered by AU Small Finance Bank gives you premium privileges. With this card, you can enjoy multiple lifestyle benefits, accelerated reward points, 24x7 global concierge services, complimentary airport and railway lounge access, and much more.

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On Au Small Finance Bank Website

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Updated: 28-05-2024 03:10:03 PM

Key Highlights of AU Bank Vetta Credit Card

Annual card membership fee Rs. 2,999 + applicable taxes
EMI conversion facility Available on transactions above Rs. 2,000
Suitable for Shopping & travel
Age 21 to 60 years

Features and Benefits of AU Bank Vetta Credit Card

Offers for First-Time Card Holders

  • Vouchers of top brands worth Rs. 2,000.
  • The offer is valid on retail spends of a minimum of Rs. 30,000 within 60 days of card setup.

Accelerated Rewards Program

  • 4 reward points on spending every Rs. 100 on departmental stores, groceries, and utility bill payments.
  • 2 reward points on spending every Rs. 100 at all other merchant categories.
  • 1 reward point on spending every Rs. 100 on rent, insurance, education, and government categories.
  • Fuel transactions are excluded from earning reward points.

Milestone Benefits

  • 500 bonus reward points on retail spending of Rs. 50,000 per calendar quarter.
  • Additional 1,000 bonus reward points on retail spends of Rs. 1 Lakh per calendar quarter.
  • Fuel transactions and cash withdrawals are excluded from earning reward points.
  • Rs. 1,000 worth of vouchers of top brands on retail spends of a minimum of Rs. 2.50 Lakhs in a card anniversary year.
  • 1,000 bonus reward points on one retail transaction done on your birthday.

Complimentary Lounge Access

  • Complimentary lounge access at 1,000+ airport lounges within and outside India.
  • 1 complimentary access per calendar quarter at all participating lounges using Priority Pass.
  • 1 complimentary lounge access per calendar quarter in India using VISA Card.
  • 2 complimentary lounge access per calendar quarter at railway stations in New Delhi, Ahmedabad, Jaipur, Kolkata (Sealdah), and Agra with VISA cards.
  • Airport and railway lounge benefits are also applicable to add-on AU Vetta credit card members within the mentioned complimentary number of visits.

Dedicated Concierge Services

  • Global Concierge Assistance for booking travel, arranging a golf session, planning a perfect anniversary dinner, etc. Call on 24×7 toll-free number at 1800 210 0298 or 022-42320298.

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver.
  • The maximum benefit available is Rs. 250 per statement cycle.
  • Offer applicable for fuel transactions between Rs. 400 and Rs. 5,000 per statement cycle across all fuel stations in India.

Comprehensive Protection Cover

  • Rs. 50 Lakhs worth of Air Accident Cover.
  • Credit Shield of up to Rs. 5 Lakhs.
  • Purchase Protection of up to Rs. 25,000.
  • Credit Liability Cover in the event of credit card loss. You have zero liability on any fraudulent transactions made with the card after reporting the loss to the bank.
  • Cover against card counterfeit/ skimming and online frauds.
  • Cover for baggage loss/delay, flight delay, loss of passport, and plane hijack.

Contactless Card Usage

Use your AU Vetta Card to make quick, secure and easy payments by just tapping the card and paying at participating merchants without entering the credit card PIN for amounts up to Rs. 5,000.


  • Convert any transactions of Rs. 2,000 or above into easy EMI options on the select tenure of your choice.

Annual Card Membership Fee 

  • Joining fee: Rs. 2,999 + applicable taxes. Waived on retail spends of Rs. 40,000 done within 90 days of card set up.
  • Annual fee: Rs. 2,999 + applicable taxes. Waived on retail spends of Rs. 1,50,000 done in the previous card anniversary year.

AU Bank Vetta Credit Card Fees & Charges

Following are the fees and charges associated with AU Small Finance Bank Vetta Credit Card:

  • Annual membership fee: Rs. 2,999 + applicable taxes.
  • Cash advance fee: 2.5% (minimum Rs. 100).
  • Charges on revolving credit: 3.49% per month (41.88% annually).
  • Foreign currency transactions: 2.99%.
  • Overlimit charges: 2.5% of over limit amount (minimum Rs. 500).
  • Late payment charges: Rs. 0 to Rs. 1,100.
  • Cheque, ECS/NACH, Autopay return charges: Rs. 500.
  • Loan processing fee 1% (minimum Rs. 500).
  • Loan preclosure charge: 3% of the outstanding principal.
  • Balance Transfer on EMI processing charges: 1% of the transfer amount (minimum Rs. 250).
  • EMI conversion charges: 1% (minimum Rs. 99 + GST) for Xpress EMI & Rs. 199 + GST for Instant EMI.
  • Card validation charges (lounges): Rs. 2.
  • Priority Pass lounge charges: $27 + taxes for all visits within India.
  • Duplicated physical statement request charges: Rs. 100.
  • Reissuance of lost/ stolen/ damaged card: Rs. 100.
  • Outstation cheque processing charges: Rs. 25.
  • Goods and Services Tax (GST): 18% applicable on all above-mentioned fees, interest & charges.

AU Bank Vetta Credit Card Eligibility

You have to meet the following AU Bank Credit Card Eligibility Criteria to apply for this credit card:

  • The age of the primary cardholder must be between 21 and 60 years.
  • The age of the add-on cardholder should be above 18 years.
  • The applicant should be an Indian resident.

The criteria are only indicative. AU Bank reserves the right to approve or decline credit card applications.

AU Bank Vetta Credit Card Documents Required

If you wish to apply for a Vetta credit card, you must submit the following documents:

  • Address proof: Passport, Utility Bills, Voter ID, Aadhaar Card, Ration Card, etc.
  • Identity proof: Passport, Driving License, Aadhaar Card, etc.
  • Income proof: Recent Salary Slips, Form 16 and Income Tax Returns.

How to Apply for AU Bank Vetta Credit Card?

  • Click on the ‘Credit Cards’ on the homepage of our website.
  • From the dropdown menu, choose ‘AU’ and then click on the ‘Apply Now’ button.
  • Enter all the required details including your name, mobile number, email address, employment information, income details, and so on
  • Verify your mobile number with an OTP.
  • You will get a call from our credit cards expert soon to help you complete the credit card application process.

Other AU Bank Credit Cards

Apart from Vetta Credit Card, other AU Bank Credit Card are as follow:

  • LIT Credit Card
  • Zenith Credit Card
  • Altura Credit Card
  • Altura Plus Credit Card

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AU Bank Vetta Credit Card FAQs

  • For AU Small Finance Bank accountholders: Internet Banking, Mobile Banking, ATMs, or Standing Instruction (such as Autopay).
  • For Non-AU Small Finance Bank accountholders: Bill Desk facility with other banks’ Net Banking account or NEFT from other bank accounts (with IFSC code AUBL0CCARDS).
  • Offline modes: Drop cheques/drafts into any of the AU Small Finance Bank Credit Card drop boxes placed in the branches of AU Small Finance Bank. You can also choose to make cash payments at the bank branches.

You can reach the AU Bank Credit Card Customer Care team through any of the following ways:

  • 24X7 call centre: 1800 1200 1500
  • Email ID: [email protected]
  • Vetta customers can send emails to: [email protected]
  • Mail: AU Small Finance Bank, Credit Card Division, Third Floor Hall C, Sunny Junction STC, New Atish Market, Jaipur, Rajasthan – 302020.

The joining and annual fees for an AU Vetta credit card are Rs. 2,999 + applicable taxes.

Yes, the first annual card fee can be waived if you make Rs. 40,000 retail spending within 90 days of card set up. For the second year onwards waiver, you must make Rs. 1,50,000 retail spends in the previous card anniversary year.

No. This card is available for Indian residents only.