Summary
The AU Bank Vetta Credit Card is an upscale credit card with the choice of reward points combination, travel privileges, and lifestyle benefits. The card is dark blue metallic, with a sophisticated and sleek appearance, hence professional and chic to look at. It is best for heavy spenders who enjoy rewards and special privileges.
Yet another feature of this card that stands out is its reward points program. Cardholders get 4 reward points for each ₹100 spent undertaken by them on dining, travel, and international spending, which is a wonderful choice for frequent dining or frequent flyers. For all other regular spends, customers get 2 reward points for every ₹100 spent. Milestone bonuses also help customers to earn even more points in the long run.
Travel benefits comprise free access to airport lounges, making travel easier. The card also provides a 1% fuel surcharge waiver at all the fuel pumps in India, saving cardholders money on fuel. In addition to rewards, the AU Vetta Credit Card provides cardholders with exclusive lifestyle and dining privileges, such as savings at certain restaurants, shopping websites, and travel reservations.
Introduction
With the advent of the current digital age, the use of credit cards has become an integral part of everyday life. Credit cards make our lives more convenient while purchasing, traveling,g or availing online services. AU Small Finance Bank has introduced the “AU Vetta Credit Card” for customers, which is not only convenient but also comes with some special advantages. The AU Bank Credit Card is tailored for individuals who want to channel their financial planning in the correct direction.
By using the AU Bank Credit Card, you enjoy it a lot. The AU Vetta Credit Card gives you cashback, discounts, and other great offers on daily purchases. Besides this, the AU Vetta Credit Card provides extra benefits while shopping on various online sites, which may cut your expenses. By using the AU Bank Credit Card, you have a simple means to monitor your transactions and control your spending.
There are some other benefits of credit cards as well. AU Bank is always ready to provide better customer service to its customers. AU Vetta Credit Card holders can avail of special premium services, such as airport lounge access, travel insurance medical emergency assistance, etc. Thus, the AU Vetta Credit Card is a better option for those who prioritize safety and convenience while traveling.
In today’s article, we will discuss in detail about AU Vetta Credit Card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of AU Vetta Credit Card in this article and will also discuss in detail how to apply for it. So read this article till the end so that you do not have any problems later.
What is the AU Bank Vetta Credit Card?
The Credit Card is a high-end credit card offered by AU Small Finance Bank with special features and benefits for its customers. The AU Vetta Credit Card is for individuals who prefer to take care of their daily spending in an easy manner while enjoying great rewards and deals on shopping, travel, and more.
With the AU Vetta Credit Card, you get access to cashback, discounts, airport lounge access, and many other premium services to make your spending experience even more special. The AU Vetta Credit Card makes your financial life easy and convenient and comes with the assurance of excellent customer service.
How is the design of the AU Bank Vetta Credit Card?
Credit Card is also fashionably and professionally designed, having a very sleek and high-quality look. The card boasts a dark blue color with a metallic appearance, looking very classy and sophisticated.
On the front side of the card is the AU Bank logo that identifies the brand. It is a plain yet high-class look that perfectly fits professionals as well as avid shoppers who opt for a higher class of designs.
What are the benefits of the AU Bank Vetta Credit Card?
These are some of its major benefits:
1. Reward Points on Spending
- 4 Reward Points for each ₹100 spent on dining, travel, and international transactions.
- 2 Reward Points for each ₹100 spent on other usual purchases.
- Bonus Reward Points on crossing spending thresholds.
2. Airport Lounge Access
- Experience free airport lounge access at designated domestic and international airports to add value to your travel experience.
3. Fuel Surcharge Waiver
- Enjoy a 1% waiver of the fuel surcharge on every petrol pump across India and reduce your fuel charges.
4. Exclusive Lifestyle & Dining Offers
- Benefit from special dining, shopping, and travel offers and discounts to make your lifestyle more enriched.
5. Easy Reward Redemption
- Exchange your reward points for shopping vouchers, air miles, or cashback so you have the liberty of how you get to enjoy your rewards.
What are the fees for the AU Bank Vetta Credit Card?
Here is a simple Credit Card fee breakup.
| Joining Fee | ₹2,999 + GST (one-time fee when you get the card). |
| Annual Fee | ₹2,999 = GST per year. This will be waived if you spend 1,30,000 or more in 90 days. |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, 3.5% per month (42% annually) on the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an AU Bank Vetta Credit Card?
The following are the primary requirements:
- You must be between 18 and 70 years old to apply for the AU Bank Vetta Credit Card.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 3 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for AU Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an AU Bank Vetta Credit Card?
The documents that you will have to submit to Get a Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last moment or self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the AU Bank Vetta Credit Card be used?
Here is the list of places where you can use it:
- With the AU Vetta Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your AU Vetta Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The AU Vetta Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the AU Bank Vetta Credit Card?
The credit amount you can spend is what you are provided with an AU Vetta Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for an AU Bank Vetta Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the AU Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by AU Bank; for instance, you can choose the AU Vetta Credit Card.
- Just hover your cursor on the AU Vetta Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest AU Bank branch to apply for the AU Vetta Credit Card.
- Request for the credit card application form for the AU Vetta Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the AU Vetta Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the AU Bank Card website, or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting an AU Bank Vetta Credit Card in 2025 be right?
Yes, getting an AU Bank Vetta Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
AU Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
AU Vetta Credit Card is a wonderful choice that can make your financial life easy, convenient, and rewarding. AU Vetta Credit Card not only facilitates you in managing your daily expenses, but also provides you with a plethora of exclusive rewards for shopping, traveling, and other lifestyle experiences. The discounts, rewards, and cashback offered with AU Vetta Credit Card reduce your bills so you can easily maintain your budget plans.
In addition to this, the added premium benefits included with the AU Vetta Credit Card, like airport lounge entry and medical emergency services, are an ideal option for the regular traveler and the one who prefers to have a safe and comfortable journey. The excellent customer service of the bank and hassle-free application process is a plus point, which makes it convenient for the new customer to shift to it.
If you want a credit card that makes your day-to-day life easier, but still provides you with special offers and rewards, then AU Vetta Credit Card can be the best choice for you. With the AU Vetta Credit Card, not only do you manage your financial obligations more efficiently, but you also augment your spending budget by taking advantage of different offers. In totality, AU Bank Credit Card can be a reliable and helpful partner for you, and your finances can turn out to be easy and fruitful.
Frequently Asked Questions (FAQ’s)
Ans: You gain reward points on payments made using the AU Vetta Credit Card, which can be used to get various services or products in the future. The bank has its policy of calculation and redemption of points made.
Ans: To close the card, you need to call the customer service of the bank. You can request them by email, by phone call, or by visiting the nearest bank branch.
Ans: AU Bank Credit Card can also be used for international use. AU Vetta Credit Card is accepted worldwide, and hence you can also use it abroad.
Ans: You receive regular reminders, OTP validation, and other safety features to ward off internet-based fraud with the AU Vetta Credit Card. This ensures safe transactions from your card.
Ans: Yes, large purchases on AU Vetta Credit Card can be converted into easy EMIs. To do this, you should be aware of the EMI facilities offered by the bank and opt for them accordingly.
