AU Small Finance Bank
AU Vetta Credit Card
This is an invite only card
Apply and get ₹1000 Rewards
Top Benefits
Complimentary 1 Domestic, 1 International & 1 Railway Lounge
accesses per quarter making every journey more comfortable
Earn 4X Rewards on Grocery & Departmental Stores
per ₹100 spent the highest accelerated reward category
Best For
Grocery Shopping
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹3,539 ( ₹2999 + GST )
Annual Fees
₹3,539 ( ₹2999 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- 2 complimentary railway lounge accesses per calendar quarte
- Earn 1,000 Bonus Reward Points on completing any retail transaction on your birthday
- Complimentary Annual Times Prime Membership giving access to 20+ subscriptions and 40+ discount-led offers
- Complimentary Annual Times Prime Membership giving access to 20+ subscriptions and 40+ discount-led offers
- ₹5 Lakh Credit Shield against card outstanding in case of permanent total disability
Milestone Benefits
2000 reward points(Worth ~ ₹400)
Spend ₹50,000 in 90 days
4000 reward points(Worth ~ ₹800)
Spend ₹1,00,000 in 90 days
Voucher Benefit(Worth ~ ₹1,000)
Spend ₹2,50,000 in 365 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.20
Redemption Options
- Merchandise
- Mobile/DTH
- E-vouchers
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an AU Small Finance Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an AU Small Finance Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Cash
Rent
Education
Government spends
EMI
Fuel
Transportation
Quasi Cash transactions
For Spends Waiver
Cash
Rent
Education
Government spends
EMI
Fuel
Transportation
Quasi Cash transactions
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  2.99% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 2.99% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable) | 2.5% |
Reward Redemption Fees ₹99 + GST redemption fee per redemption is levied on each successful reward point redemption on this card | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge of 1% of the rental transaction value, subject to a minimum of ₹99 per transaction, applies on international rental transactions made using the credit card. Domestic rental transactions attract no fair-usage charge | 1% |
cheque Payment Fees A fee of 2% of Total Amount Due or minimum ₹500 (whichever is higher) is levied on return/failure of credit card outstanding payments | 2% |
Cash Payment Fees No fee is charged for credit card bill payment through Cash Deposit mode | Not Applicable |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1,000 | ₹400 |
| ₹1,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1100 |
| Above ₹50,000 | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹1000 Rewards
Top Benefits
Complimentary 1 Domestic, 1 International & 1 Railway Lounge
accesses per quarter making every journey more comfortable
Earn 4X Rewards on Grocery & Departmental Stores
per ₹100 spent the highest accelerated reward category
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