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Federal BankAU Bank Vetta Credit Card is a mid-level lifestyle credit card by AU Bank. The card comes with a membership fee of Rs. 2,999 per annum, which can be waived upon achieving the stipulated spend milestones. The card offers a reasonable reward rate on all spend categories and accelerated reward rates on grocery and departmental store spends.
As far as other value-added benefits are concerned, you get complimentary domestic/international airport and railway lounge access, dedicated concierge service, comprehensive insurance cover, and many other add-on benefits with the AU Bank Vetta Credit Card. Read on to learn more about this lifestyle credit card by AU Bank.
AU Bank Vetta Credit Card
Fees
Joining Fee
Renewal Fee
Best Suited For
Travel | Shopping |
Reward Type
Reward Points
Welcome Benefits
Movie & Dining
N/A
Rewards Rate
10 Reward Points per Rs. 100 on utility bill payments (reward rate = 2.5%), 4 Reward Points per Rs. 100 on grocery and departmental store spends (reward rate = 1%), 2 Reward Points per Rs. 100 on all other retail spends except fuel (reward rate = 0.5%)
Reward Redemption
Reward Points redeemable for e-vouchers, merchandise, mobile/DTH recharges, flight/hotel bookings on AU Rewardz portal, 1 Reward Point = Rs. 0.25
Travel
Reward Points redeemable for flight/hotel bookings on AU Rewardz portal, complimentary domestic and international airport lounge access, complimentary IRCTC loucnge access
Golf
N/A
Domestic Lounge Access
1 per quarter under Visa domestic lounge program
International Lounge Access
1 per quarter with Priority Pass membership
Insurance Benefits
Comprehensive insurance cover including Credit Shield, lost card liability cover, air accident cover and many other travel-related insurance covers
Zero Liability Protection
Cardholder not liable for any fraudulent transaction with the card post reporting the loss of card to the bank
Spend Based Waiver
Joining fee waived off on expenditure of Rs. 40,000 within 90 days of card setup, renewal fee (second year onwards) waived off on expenditure of Rs. 1.5 lakh in the preceding year
Rewards Redemption Fee
Nil
Rewards Redemption Fee
Nil
Foreign Currency Markup
2.99% of the transaction amount
Interest Rates
2.99% per month (35.88% annually)
Fuel Surcharge
Fuel surcharge waived off at all filling stations across India for transactions between Rs. 400 and Rs. 5,000 (max waiver capped at Rs. 250 per month)
Cash Advance Charges
2.5% of the transaction amount (subject to a minimum charge of Rs. 100)
Add-on Card Fee
Nil
- Vouchers worth Rs. 2,000 on minimum expenditure of Rs. 30,000 within 6 months of card setup.
- 4 Reward Points per Rs. 100 on grocery and departmental store spends, 2 Reward Points per Rs. 100 on all other retail spends and one Reward Point per Rs. 100 on utility bill payments. No Reward Points are earned on fuel purchases.
- Zomato Pro annual membership on spends of Rs. 50,000 in a month (applicable only once in a year).
- 500 Bonus Reward Points on retail spends of Rs. 50,000 in a calendar quarter and additional 1,000 Reward Points on achieving quarterly spend milestone of Rs. 1 lakh.
- Vouchers worth Rs. 1,000 from top brands on spending a minimum of Rs. 2.5 lakh in an anniversary year.
- 1,000 Bonus Reward Points on completing 1 retail transaction on birthday.
- Complimentary (limited) domestic and international airport lounge access.
- Complimentary IRCTC lounge access at select railway stations across India.
- 24×7 dedicated concierge service for travel, dining and golf sessions related assistance.
- 1% fuel surcharge waiver at all fuel stations across India.
- Comprehensive insurance protection including Credit Shield cover, lost card liability protection, air accident insurance and many other travel-related insurance covers.
AU Bank Vetta Credit Card Features & Benefit
Milestone Benefits
- 500 Bonus Reward Points on spending a minimum of Rs. 50,000 in a calendar quarter. Additional 1,000 Reward Points on achieving the quarterly expenditure milestone of Rs. 1 lakh.
- Vouchers worth Rs. 1,000 from top brands on a minimum expenditure of Rs. 2.5 lakh in an anniversary year.
AU Bank Vetta Credit Card Annual Fee Waiver
- The joining fee is waived on a minimum expenditure of Rs. 40,000 within 90 days of card setup.
- The annual renewal fee is waived on a minimum expenditure of Rs. 1.5 lakh in the preceding year.
Birthday Benefit
- 1,000 Bonus Reward Points on completing one retail transaction on your birthday.
AU Bank Vetta Credit Card Travel Benefits
- Reward Points earned can be redeemed against hotel/flight bookings on the AU Rewardz portal.
- 1 complimentary domestic airport lounge access per quarter under the Visa domestic lounge program.
- Complimentary Priority Pass membership with one complimentary international airport lounge access per quarter.
- Two complimentary IRCTC lounge access per quarter at New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad, Agra and Madurai railway stations.
- Complimentary lounge visits (both airport and railway) are applicable for primary as well as add-on cardholders.
Insurance Benefits
You get a comprehensive insurance cover with AU Bank Vetta Credit Card with itemized insurance benefits as per the table below-
| Insurance Type | Covered Amount |
| Air Accident | Rs. 50 lakhs |
| Credit Shield | Rs. 2 lakhs |
| Purchase Protection | Rs. 25,000 |
Apart from the aforementioned insurance benefits, you also get other travel-related insurance covers against baggage loss, baggage delay, delay in flight, loss of passport, and plane hijack. To claim any of these insurance benefits, you may call AU Bank customer care at 1800 1200 1500.
Dedicated Concierge Services
24×7 global concierge service for assistance regarding flight/hotel bookings, dining, and golf sessions. You may dial 1800 210 0298 (toll-free) or 022-42320298 for concierge assistance.
AU Bank Vetta Credit Card Rewards
AU Bank Vetta Credit Card Rewards
- 4 Reward Points per Rs. 100 on grocery and departmental store spends.
- 2 Reward Points per Rs. 100 on all other retail spends.
- 1 Reward Points per Rs. 100 on utility bill payments.
- No Reward Points are earned on fuel purchases.
Reward Redemption
Reward Points earned on the AU Bank Vetta Credit Card are redeemable on the AU Rewardz portal for
- E-vouchers from top brands
- Merchandise
- Mobile/DTH recharges
- Flight/hotel bookings
The monetary value of the Reward Points is Rs. 0.25.
AU Bank Vetta Credit Card Review
Considering the high reward rate of 2.5% on utility bill payments and a decent reward rate of 1% on grocery and departmental store spends, the Vetta Credit Card by AU Bank can be considered an excellent offering by AU Bank in the mid-range segment. Apart from the Reward Points benefits, you also get many other benefits like complimentary lounge visits, insurance covers, concierge service, etc with the AU Bank Vetta Credit Card.
AU Bank Vetta Credit Card competes with HDFC Regalia Credit Card and SBI Credit Card PRIME, which offer decent reward rates along with other privileges and come with similar or identical joining fees of Rs. 2,500 and Rs. 2,999, respectively. Being a small player in the credit card space. AU Bank needs to offer better reward rates and other benefits than the competitors to attract new customers.
What’s your take on the AU Bank Vetta Credit Card? Do let us know in the comments. And if you’re already a Vetta credit cardholder, feel free to share your experience for the benefit of others.
