AU Small Finance Bank Vetta Credit Card vs Ixigo AU Bank Credit Card

Joining Fees

₹2,999

₹999

Editor's Rating

3.3

3

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

  • Joining fee is Rs. 999 + GST, but it can be waived if the cardholder spends Rs. 1,000 within the first 30 days of card issuance. Renewal fee of Rs. 999 + GST can also be waived if the cardholder spends Rs. 1,00,000 in the previous year
  • Enjoy a 10% discount on Flight Bookings up to Rs. 1,000 
  • Wave goodbye to PG Charges on train bookings
  • Get 10% Off on Bus Bookings up to Rs. 300 
  • Receive a 10% Instant Off on Hotel Bookings up to Rs. 1,000 
  • Discounts on Flight, Hotel and Bus Bookings can be availed once per month
  • PG charges are waived twice per month
  • Avail 20 Reward Points for every Rs. 200 spent on Train Bookings with ixigo
  • Avail 10 Reward Points for every Rs. 200 spent on online purchases
  • Avail 5 Reward Points for every Rs. 200 spent offline
  •  1 Complimentary International Lounge Access every year
  • Priority Pass can be issued upon request
  • Get 16 Exclusive Complimentary Domestic Airport and Railway Lounge Access every year
  • Zero mark-up fee on international purchase
  • 1% surcharge waiver up to Rs. 250 on fuel transactions between Rs. 400 and Rs. 5,000 at all fuel stations in India
  • Avail plethora of options to redeem the Reward Points for amazing benefits. Some of them include: E-vouchers of top brands, Merchandise, Mobile/DTH recharges, Flight/Hotel bookings and much more
  • Zero liability on any fraudulent transactions made with the card after reporting the loss to the bank
  • Get protected against Travel Credit Card Counterfeit/Skimming and Online frauds
  • Credit Shield: Up to Rs. 1.5 Lakhs
  • Convert transactions worth Rs. 2,000 or more into easy EMI options on select tenure of choice. Simply call bank’s Customer Care helpline to book the XpressEMI

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

  • Direct discounts on Ixigo travel bookings, and accelerated rewards
  • Domestic airport and railway lounge access
  • Discount on bus ticket bookings

Cons

  • Only 1 International Airport Lounge access
  • No Golf benefits
  • Priority Pass is issued only upon request


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