AU Vetta Credit Card – Lounge Access, Times Prime & Rewards

Best For

Shopping

Grocery Shopping

Travel

Joining/Annual Fees

Joining Fees

₹3,539 ( ₹2999 + GST )

Not Applicable

Annual Fees

₹3,539 ( ₹2999 + GST )

Annual fee waived on spending ₹1.5 lakhs in the preceding card anniversary year

Eligibility

Age Criteria

21-60 years

Salary Criteria

3 LPA

Credit Rating*

720+

See if you are eligible for this card

How to redeem?

Rewards Conversion Rate

1 Reward Point = ₹0.20

Redemption Options

Merchandise
Mobile/DTH
E-vouchers

To check redemption catalogue

All Card Benefits

All 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

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 Examples (2.99%): ₹100 → ₹2.99 ₹1,000 → ₹29.90 ₹10,000 → ₹299 ₹1,00,000 → ₹2,990	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ATM Withdrawl 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable)	2.5%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 Late payment charges of 15% of Total Amount Due are levied, subject to a minimum of ₹10 and a maximum of ₹1,300, when the minimum amount due is not paid by the payment due date	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