AU Bank Vetta Credit Card- Benefits, Eligibility, Fees & Charges

AU Bank Vetta Credit Card: The AU Bank Vetta Credit Card, offers premium privileges to its users and can earn reward points by using the card for grocery spends and utility bills payments. This card also offers lifestyle benefits, accelerated reward points, complimentary airport, and railway lounge access and many more.

Here in this article we are going to discuss about the Benefits, Eligibility, Fees & Charges and how to apply for AU Bank Vetta Credit card.

AU Bank Vetta Credit Card

1. Features and Benefits:

The AU Bank Vetta Credit Card offers quite good reward and benefits in different categories.

Here we have mentioned the features and benefits offered by the AU Bank Vetta Credit Card:

• Welcome Benefits: On the expenditure of a minimum of Rs. 30,000, you get a shopping vouchers worth Rs. 2,000 from a bouquet of top brands within 60 days of card issuance.
• Milestone Benefits: On the expenditure of a minimum of Rs 50,000 in a calendar month (applicable only once in a year), Complimentary Zomato Pro membership and also, 500 Bonus Reward Points. On achieving the quarterly expenditure milestone earn 1,000 Reward Points, of Rs. 1 lakh. And also, on a minimum expenditure of Rs. 2.5 lakh, get a vouchers which worth of Rs. 1,000 from top brands in an anniversary year.
• Complimentary Lounge Access:                                                                                                                                              1. Airport Lounge Access: 1 complimentary lounge access per calendar quarter, using priority pass at all participating lounges and 1 complimentary domestic lounge access per calendar quarter using your Vetta VISA Card.        2. Railways Lounge Access: Get 2 complimentary lounge access per calendar quarter using the Vetta Credit Card at railway stations in Kolkata (Sealdah), New Delhi, Jaipur, Ahemdabad, Madurai, and Agra.
• Fuel Surcharge Waiver: On all fuel transactions between between Rs 400 to Rs 5,000, The maximum fuel surcharge waiver is subject to maximum waiver of Rs. 250 per month, get a fuel surcharge waiver of 1%, at fuel pumps all over India.
• Birthday Benefit: On completing a retail transaction, get 1,000 bonus reward points, on your birthday.
• Concierge Service: Use the service i.e., Concierge helpline 1800 210 0298 (toll-free) or 022-42320298 to get referrals or make reservations at  hotel, dining, gold course, and spa, fitness Centre and Sports Information referral and reservation.
• Insurance Benefits: The Insurance benefits you get with this card are: Air Accident, Credit Shield, and Purchase Protection.  Other than insurance benefits, you also get other travel insurance covers such as, baggage loss, baggage delay, delay in flight, loss of passport and plane hijack.
• Reward Redemption: Reward Points earned can be redeemable on the AU Rewardz portal for: flight/hotel bookings, e-vouchers from top brands, merchandise, mobile/DTH recharges, and many more for reward points monetary value equal to Rs. 0.25.
• Zero Credit Card Lost Liability: In case, you lose your card or stolen card only if the bank has been reported within the stipulated time you will not be responsible for any fraudulent transactions.

2. Fees and Charges:

• The Joining fee charges are- NIL
• The Annual fee or Renewal fee are- Rs.2,999
• The Cash Withdrawal Fee, min Rs. 100 or 2.5% of the withdrawn amount should be paid as cash advance fee on all cash withdrawals made using this card.
• For Interest Rate you have to pay an interest rate of 2.99% per month (or 35.88% p.a.) which is applicable to the amount due on the card’s statement if you are unable to clear all your dues within the payment due date.
• On all the Foreign currency transaction, you have to pay forex fee of 2.99% on the transacted amount. This fee is to be paid on all international transactions done using this credit card.
• Late Payment Charges are- apart from the interest rate, a late payment fee shall also be applicable, For Statement Balance: Less than Rs.100: NIL, Rs.100 to Rs.500: Rs.100, Rs.501 to Rs.5,000: Rs.400, Rs.5,001 to Rs.20,000: Rs.500, More than Rs.20,000: Rs.700.

3. Eligibility Criteria to Apply:

The common eligibility criteria and the documents required to apply for AU Bank Vetta Credit Card are as follows:

• The age limit for applying for this card is 21-65 years of age.
• The cardholder should be an Indian resident.
• For Identity Proof documents you need are Aadhar Card, Voters Id, PAN Card, Passport, Driving License.
• For Address Proof, Utility bills of the latest months, Aadhar Card, Passport, and Ration card are the needed documents.
• For Income Proof,  you need to submit the latest bank statement as a salaried person, and can also, submit your company ID card, if you are salaried, and if you are self-employed, you should submit your latest ITR.

4. How to Apply for AU Bank Vetta credit card:

For AU Bank Vetta credit card, you need  visit the nearest AU bank branch and can apply there and also can contact their customer care number by dialling the Insignia helpline Toll-free number 1800 1200 1200.

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