AU Small Finance Bank Vetta Credit Card vs IDFC FIRST Wealth Credit Card

Joining Fees

₹2,999

₹0

Editor's Rating

3.3

3.25

Key Features

* Gain 10 Reward Points per Rs. 100 retail spends done on Utility bill payments
* Earn 4 Reward Points per Rs. 100 retail spends done Grocery and Departmental stores
* Avail 2 Reward Points per Rs.100 retail spends done across all other merchant categories
* Monthly Jackpot: Avail Zomato Pro annual membership on Rs. 50,000 retail spends made in any calendar month. This is applicable once in a card anniversary year
* Quarterly Milestone Benefits: Get 500 Bonus Reward Points on Rs. 50,000 retail spends made per calendar quarter, and get additional 1,000 Bonus Reward Points on reaching Rs. 1 lakh retail spends per calendar quarter. Hence, earn up to 1,500 Bonus Reward Points in every calendar quarter with Rs. 1 lakh retail spends
* Yearly Milestone Benefits: Avail Rs. 1,000 worth vouchers on minimum Rs. 2.50 lakh retail spends made in a card anniversary year. Choose vouchers from a bouquet of top brands
* Birthday Benefit: Get 1,000 Bonus Reward Points on completing one retail transaction on birthday
* Get complimentary domestic and international lounge access at 1,000+ airport lounges
* Avail 1 complimentary lounge access per calendar quarter, using the Priority Pass at all participating lounges
* Get 1 complimentary domestic lounge access per calendar quarter using the VISA Card
* Railway Lounges: Get 2 complimentary lounge access per calendar quarter, using VISA Card at railway stations in selected cities

  • Welcome Benefits include getting vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days
  • 5% cashback on making the first EMI transaction made within 90 days of card set-up
  • Avail 10X Reward Points on all transactions above Rs. 20,000
  • Avail 6X Reward Points on Online Spends and 3X Reward Points on all Offline Spends
  • 4 Complimentary Domestic and International Airport lounge and spa visits every calendar quarter
  • 4 complimentary Railway Lounge visits every calendar quarter
  • Low foreign exchange mark-up fee of 1.5%
  • 20% discount on 1500+ Restaurants
  • 15% discount on 3000+ Health & Wellness Outlets
  • Free Road Side Assistance(RSA) worth Rs. 1,399

Editor's Review

Pros
* 1% Fuel Surcharge Waiver for fuel transactions done between Rs. 400 and Rs. 5,000 at all fuel stations in India. Maximum Rs. 250 per statement cycle
* Get Air Accident Cover of up to Rs. 50 Lakhs, Credit Shield of up to Rs. 2 Lakhs, and Purchase Protection of up to Rs. 25,000
* Convert transactions worth Rs. 2,000 or more into easy EMI options on selected tenure chosen by you

Cons
* No golf privileges
* No Airmiles

Pros

  • Lifetime free credit card
  • Complimentary Airport and Railway lounge access
  • Multi-faceted discounts are offered on movie tickets, travel, spas, wellness centers, etc.

Cons

  • No milestone benefits
  • Welcome gift voucher is only provided on spending Rs.15,000 within 90 days of card set-up
  • Interest-free cash withdrawal available for 48 days only


More comparisions with AU Small Finance Bank Vetta Credit Card

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