Useful Facts

• Employees receive tax exempted LTA claims from employers when they submit travel evidences incurred during domestic travel of self and dependents.

• Zeta recommends you to furnish KYC information using the Zeta app to upgrade your card limit and to avoid any specified amount limit restriction as set by RBI while using the Optima LTA card services.

• Per IT rule,  2 LTA claims in a block of 4 years are treated as a non-taxable income. In other words, you can avail income tax benefit up to 2 LTA claims in a 4 block year provided you furnish supporting documents to your employer. The current block is January 2014 to December 2017

• Any LTA claim in excess of allowed numbers in a fiscal year would be treated as a taxable income.

• If you don't claim one of your LTA claims this year, you are eligible for 3 LTA claims in the next year.

• You can pay for your travel tickets using the Zeta app or super card.

• You must upload travel tickets and invoices including the dependent details against LTA claims in the Zeta App interface to avail tax benefits as per Government guidelines.

Before You Begin

Ensure the following:

• You’ve received a Optima LTA card from your HR. Note that your email ID must be verified to receive the LTA credits if vouchers are issued on your email ID.

• You’ve appropriate balance in your LTA card or cash card to initiate payment through Zeta platform and to avoid transaction declined error.

How LTA Card Flow Works?

The Zeta LTA card provides a simple workflow to claim your non-taxable travel reimbursements. All you need to do is:

1. Receive a Zeta LTA card from your HR.

2. Pay your travel expenses to merchants using the Zeta app or Zeta Super Card

3. Using the Zeta app, upload the valid and legible travel documents for approval.

That’s all. Your claim would be processed in one business day post successful verification.

Using the Zeta LTA Interface

The Optima digital LTA card provides an intuitive interface that simplifies age-old manual and complex LTA claim system into a convenient and smart solution, thus allowing employees to submit travel expenses electronically, for example, updating the travel and dependent details, uploading the travel documents and invoices for approval, analyzing the approved, declined or in review claims and so on. The important thing to remember is you (as a user or an employee) only upload the travel evidences using the Zeta app, thus eliminate the need of manually itemize the travel tickets and invoices for future upload in the HR portal.

Under the Cards tab, your active LTA card would appear as shown below:

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Using the Optima LTA interface, you can perform the following tasks.

• Pay the travel expenses

• Upload the LTA claims

• Manage the LTA claims

• View the LTA statement