एयू स्मॉल फाइनेंस बैंक वेट्टा क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: AU Small Finance Bank Ltd.
Lifestyle and travel card offering 4 points per ₹100 on dining & grocery, 4 domestic lounge visits, and 4,000 quarterly milestone points.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
AU Small Finance Bank Vetta Credit Card is a mid-tier lifestyle and travel card offering 4 reward points per ₹100 on dining and grocery, domestic airport lounge access, 4,000 quarterly milestone bonus points, and a low ₹1.5 Lakhs spend fee waiver.
Shopping voucher worth ₹2,000 from top retail brands upon spending ₹30,000 within 60 days of card issuance.
1 complimentary domestic airport lounge visit per calendar quarter (up to 4 visits annually). 2 complimentary domestic railway lounge visits per calendar quarter.
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle).
Earn 1,000 bonus reward points on spending ₹50,000 in a calendar month; earn 4,000 bonus reward points on spending ₹1 Lakh in a quarter. Annual fee reversal on ₹1.5 Lakhs spend.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹50,000. Self-employed individuals aged 21 to 60 with annual ITR exceeding ₹6,00,000.
न्यूनतम वार्षिक आय आवश्यकता
₹50,000/month (Salaried) / ₹6,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID 3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet 4. Passport-size photograph.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Only 1 domestic airport lounge visit per quarter. No international airport lounge visits. Base reward return is 0.50% on non-accelerated categories. Forex markup is 3.49%.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit aubank.in/vetta or open AU0101 app. Step 2: Enter PAN and mobile number for soft eligibility check. Step 3: Select AU Vetta Credit Card. Step 4: Enter employer details and monthly salary. Step 5: Complete online Video KYC session with bank official. Step 6: Card is approved and dispatched via courier within 3 to 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on AU Small Finance Bank Vetta Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹400 for ₹501–₹1,000; ₹500 for ₹1,001–₹5,000; ₹700 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹20,000; ₹1,100 for above ₹20,000 (+ GST).. In addition, revolving finance charges at 3.49% per month (41.88% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on AU Small Finance Bank Vetta Credit Card into EMI?
Yes, AU Small Finance Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on AU Small Finance Bank Vetta Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into AU Small Finance Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹0.25 (effective 1.00% on 4X categories, 0.50% base). Please note: Reward points expire 2 years (24 months) from the date of accrual.
What is the interest-free grace period on AU Small Finance Bank Vetta Credit Card and how does it work?
The interest-free period on AU Small Finance Bank Vetta Credit Card is Up to 48 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.49% per month (41.88% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.