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Mint
5 days ago
- Business
- Mint
Is the AU Bank Vetta Credit Card worth it? Features and charges explained
The AU Bank Vetta Credit Card continues to provide a suite of benefits and services designed for credit card users in the country. The aim of the card is to provide users with lifestyle perks and reward programmes. This particular credit card is issued by AU Small Finance Bank and is developed to assist frequent travellers and high spending individuals. Let us hence look at the key features, eligibility criteria, application process and fees and charges associated with this credit instrument. Reward points : You can earn 10 reward points per ₹ 100 on utility bill payments you make. Four points per ₹ 100 on grocery and departmental store purchases and two points per ₹ 100 on other spends. : You can earn 10 reward points per 100 on utility bill payments you make. Four points per 100 on grocery and departmental store purchases and two points per 100 on other spends. Milestone benefits: Vouchers worth ₹ 2000 can be received upon spending ₹ 30,000 within the first 60 days. Furthermore, additional rewards include Zomato Pro membership if you meet the monthly ₹ 50,000 criteria and bonus points on quarterly and annual spend thresholds. Vouchers worth 2000 can be received upon spending 30,000 within the first 60 days. Furthermore, additional rewards include Zomato Pro membership if you meet the monthly 50,000 criteria and bonus points on quarterly and annual spend thresholds. Lounge access : You can also avail one complimentary airport lounge visit per quarter along with two railway lounge accesses per quarter at select stations including stations such as New Delhi and Sealdah in Kolkata. : You can also avail one complimentary airport lounge visit per quarter along with two railway lounge accesses per quarter at select stations including stations such as New Delhi and Sealdah in Kolkata. Insurance coverage: Benefits from air accidents cover up to ₹ 50 lakhs along with credit shields up to ₹ 2 lakh. Not only this, one can avail purchase protection up to ₹ 25,000. Charge type Details Annual fee ₹ 2,999 (waived on spending ₹ 40,000 within 90 days) Finance charges 2.99% per month (35.88% per annum) Foreign currency mark-up 2.99% on international transactions Late payment fee As per bank's policy (check official site) Card replacement fee ₹ 100 (subject to revision) Note: The features and fees discussed above are illustrative in nature. For the updated terms and conditions refer to the official website of AU Small Finance Bank. Age : Primary cardholders should be between 21 and 60 years. : Primary cardholders should be between 21 and 60 years. Add-on cardholders: Must be over 18 years. Must be over 18 years. Residency: Applicants must be Indian residents. Here's a simplified 5-step guide to applying for the AU Bank Vetta Credit Card, based on the official AU Small Finance Bank website: Visit the official website: Reach out to the AU Small Finance Bank's credit card website page: AU Bank Credit Cards. Select the Vetta Credit Card: Opt for the 'Vetta Credit Card' from the list of all the available credit card options. Click on the 'Apply Now' tab: Select the 'Apply Now' tab on the web page to initiate your application submission. Fill in the application form: Submit the requisite personal details such as name, contact, PAN, Aadhaar details etc., along with other financial details as prompted. Upload required documents: Collect and make sure you submit the necessary documents including proof of address, identity, income etc., to complete the process of application submission. For any related doubts and clarifications you can reach out to the respective customer support team of AU Small Finance Bank. This way you can ensure that you are in a position to make a well thought out decision before applying for the AU Bank Vetta credit card. Disclaimer: Mint has a tie-up with fintechs for providing credit; you will need to share your information if you apply. These tie-ups do not influence our editorial content. This article only intends to educate and spread awareness about credit needs like loans, credit cards and credit scores. Mint does not promote or encourage taking credit, as it comes with a set of risks such as high interest rates, hidden charges, etc. We advise investors to discuss with certified experts before taking any credit.
Khaleej Times
04-03-2025
- Business
- Khaleej Times
Personal Finance: How to save more and spend smarter
Living in the UAE comes with its fair share of perks — stunning skyscrapers, luxury shopping, and a vibrant lifestyle. But beyond the glitz and glamour, there are hidden financial benefits that savvy residents can tap into. From generous cashback offers and exclusive discounts to smart spending hacks, here's how you can make the most of your money in the UAE. 1. Cashback Offers: Get Rewarded for Your Spending Cashback programmes are a game-changer for consumers in the UAE. Many banks and financial institutions offer credit cards that provide cashback on everyday expenses, including groceries, dining, fuel, and online shopping. Credit Cards with Cashback: Leading banks such as Emirates NBD, ADCB, and Mashreq offer cashback credit cards that provide great rewards on selected categories. Retailer-specific Cashback: Platforms like Talabat, Careem, and Noon frequently roll out cashback deals for customers who pay using specific payment methods. BNPL and Cashback: Buy Now, Pay Later (BNPL) services like Tabby and Tamara not only offer installment options but also provide cashback on select purchases. To maximise your savings, compare cashback credit cards and choose one that aligns with your spending habits. 2. Exclusive Discounts: Savings Across Lifestyle Categories The UAE is a haven for discounts across various sectors, making it easier to enjoy a premium lifestyle without breaking the bank. Dining Discounts: Many banks and loyalty programs offer 'Buy One, Get One Free' deals and up to 50 per cent off at popular restaurants. Apps like The Entertainer and Zomato Pro unlock exclusive deals on dining. Retail & Fashion Deals: Shopping festivals like Dubai Shopping Festival (DSF) and Abu Dhabi Shopping Season bring massive discounts across global brands. Travel Perks: Residents can save on air travel and staycations with airline reward programs like Etihad Guest and Emirates Skywards, which offer discounted flights and hotel stays. Entertainment Savings: From theme parks to cinemas, loyalty programmes like Vox Rewards and Yas Island's Resident Offers help residents save big on leisure activities. 3. Loyalty Programmes: Earn More While You Spend Loyalty programmes are a must-use financial hack in the UAE. Whether shopping, dining, or fueling up, these programmes ensure you earn while you spend. Airline Rewards: Emirates Skywards and Etihad Guest offer miles on daily spending, which can be redeemed for flights, upgrades, and hotel stays. Retail Loyalty Programmes: Carrefour MyCLUB, Shukran by Landmark Group, and SHARE Rewards by Majid Al Futtaim provide points on purchases that translate into discounts. Fuel & Utility Rewards: ADNOC Rewards and Dewa Smart Living Rewards help reduce the cost of fuelling up and managing utility bills. Smart Budgeting Apps for Tracking and Managing Finances Efficiently: With a high cost of living, budgeting smartly is essential for financial well-being. The UAE offers several tech-driven solutions to help individuals track and manage expenses effectively. Banking Apps: Most banks, including FAB, ADCB, and Emirates NBD, have integrated budgeting tools within their apps that categorise spending and offer insights. Standalone Budgeting Apps: Apps like Wally, YNAB (You Need A Budget), and PocketGuard help users set budgets and track spending patterns. Automated Savings Apps: Platforms like StashAway and Sarwa allow residents to automate their savings and investments for better financial growth. 4. Utility and Household Savings: Lowering Monthly Expenses Reducing monthly expenses is another way to keep finances in check. Here are some simple hacks to cut costs in essential areas: Telecom Discounts: Du and etisalat frequently run promotions on mobile and home internet plans. Opting for postpaid plans with bundled benefits can save money. Electricity and Water Bills: Dewa's Smart Living Programme provides tips and tools to monitor and optimise electricity and water consumption. 5. Smart Online Shopping: Capitalising on E-Commerce Deals Online shopping in the UAE offers abundant savings opportunities if approached strategically. Flash Sales & Coupon Codes: Websites like noon, and Namshi frequently host sales and offer discount codes. Cross-Border Shopping: Some international retailers offer lower prices compared to local ones. Using freight-forwarding services like Shop & Ship by Aramex can help access global deals. BNPL Services for Savings: BNPL platforms not only offer flexible payments but also come with additional benefits. 6. Discounts and Cashback Investing Smartly: Making Your Money Work for You The UAE provides multiple avenues for growing wealth, ensuring long-term financial security. High-Interest Savings Accounts: Banks like ADCB, Mashreq Neo, and RAKBank offer competitive interest rates on savings accounts. Stock Market & ETFs: The Dubai Financial Market and Abu Dhabi Securities Exchange allow residents to invest in local stocks.
