AU Small Finance Bank
Gold · Vetta
AU Vetta Credit Card
AU Small Finance Bank
Visa Gold with 3X rewards and fuel surcharge waiver
Annual Fee
₹999
Joining Fee
₹999
Reward Rate
0.8%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹3,821
Total Annual Benefits
₹5,000
Total Annual Charges
₹1,179
ROI
424%
Fee Waiver Available
Annual fee waived on spending ₹2 Lakh in a membership year — ₹2,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Reward Points (1)
3 Reward Points per ₹100
Earn 3 reward points on every ₹100 spent
- • Excluded: fuel, rent, wallet loads
3 RP/₹100
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹5,000
- • Valid on transactions ₹400–₹5,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
AU Reward Points
3 RP per ₹100 on all spends
Effective cashback: 0.75%
Points expire: Valid for 2 years
Redemption Options
- → Products & Vouchers via AU Rewards Portal
- → Cashback (1 RP = ₹0.25)
Milestone Bonuses
Annual fee waiver on spending ₹2 Lakh in a year
Spend ₹2,00,000 annual
Annual fee waiver
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹999 Plus GST |
| Annual Fee | ₹999 Plus GST, waived on ₹2L annual spend |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹750
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- Free
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹25,000
- Min. Annual Income
- ₹3,00,000
- Min. Credit Score
- 700
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹25,000
- • Self-Employed: ITR > ₹3 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
Accidental Death
₹10.0 L
Permanent Disability
₹10.0 L
Lost Card Liability
₹2.0 L
Report within 24h
- • Personal accident cover: ₹10 Lakh
- • Lost card liability: ₹2 Lakh
Airport Lounge Access
Domestic
0 visits/year
Not available
International
0 visits/year
Not available
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹3,00,000
Contactless / Txn
₹5,000
Features
Visa Gold privileges Contactless payments EMV chip security Domestic acceptance Add-on cards available EMI conversion facility Fuel surcharge waiver
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The AU Vetta Credit Card is a Visa Gold card offering 3 reward points per ₹100 spent. With a low annual fee, fuel surcharge waiver, and EMI conversion...
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