LTA Card

The Zeta LTA card is a tax-saving digital solution that lets you easily get reimbursements on your expenses related to domestic travel. The Zeta leave travel allowance solution is completely paperless and offers you the convenience of digital reimbursements via Zeta app or Zeta on web platform.

1. Eliminates the need for manual bill submission and last-minute hassle of collecting bills.
2. Facilitate faster claim processing using digital interface.
3. Eliminates last-minute hassle to entry and submit bill manually.
4. Provides a secure and effortless way to use and redeem LTA card to save tax.
5. Enables tracking and accessing claim statement using Zeta app interface.
6. Provides premium customer support.

Your company should sign up with us and choose to offer Zeta LTA Reimbursements as an employee tax benefit. Your Zeta LTA Card is credited every month or as per your organisation policy, which you can access via Zeta app or Zeta on Web platform.

Your employer will credit your Zeta LTA Card during monthly payout.

Ensure that your employer has updated valid phone number or email ID in the transfer order file. Visit Zeta support for more assistance.

The leave travel allowance amount is defined by your employer. Check with your HR representative to know your eligibility for this programme.

Yes. As an employee, you can make an LTA claim for your spouse, children, dependent parents and siblings provided you are on leave and are travelling along with them.

The rejection of the LTA claim can be mainly due to the following reasons:

1. You produce a proof of domestic travel.
2. The travel should be in your (employee) name.
3. You must be the part of travel.
4. You and your dependant travel together and the proof of which must be reflected on the travel tickets.
5. You're on a leave for a minimum of 3 working days and leaves are approved.
6. Don't submit hotel, food, and any other travel related bill apart from transport bill.

If the issue persists then contact Zeta support for more assistance.

You can save up to 30% in taxes on travel expenses with the Zeta LTA Card.

You need to specify travel details of your Connecting Trips.

In the case of connecting flight, only mention source and destination as a single trip. Don’t specify the connecting city mentioned in the ticket.

Add the onward journey as one trip and the return as another trip. 

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

Since your employer provides you the Zeta LTA credits against your email ID or phone number, ensure that your email ID or phone number is verified to get the Zeta LTA credits regularly.

Number of LTA claims that you can get in a year depends on your organisation.

Note that all your reimbursement instruments get closed after every financial year end (effective 20th March'18) and the following settlements are done for any outstanding balance in your cards and the amount stuck in your holding account:

1. Any remaining amount can either be transferred in full to your Cash Card and appropriate tax deductions can be made while processing payroll or the remaining amount could be recalled and credited as part of your payroll, after making appropriate deductions, as per your company's policy.
2. Any claim uploaded and approved but the amount not reimbursed into the cash card due to non-compliance with the KYC or PPI limit is paid to you as a part of your monthly salary with no tax deductions.

Yes. Zeta LTA Card is 100% compliant with Income Tax Act and Information Technology Act. To know more, refer to Where does Zeta stand?

There is no defined validity period by default. However, you can specify a validity period as per your company policy.

As 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. 

LTA's current four year block is 2018 - 2021.

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.

You can pay for LTA expenses both online and offline using the Zeta payment tools based on the implementation at your organisation end:

1. Zeta Super Card®, a Rupay or Mastercard-powered physical card. (Offline)
2. Zeta app on your Android, Windows or iOS smartphones. (Online)

 To know more, refer to Pay for LTA expenses.

If you don't claim all or one of your LTA claims in current block year, you are eligible to carry forward 1 LTA claim in the next block year. In this case, as per IT rule ensure to claim at least 1 travel reimbursement in the 1st year of the next block year to avail the tax exemption.

You receive the "Inbox (In-App) Notifications" under Inbox tab in your Zeta app triggered during new LTA transfer, bill upload for LTA claim, final LTA credit and so on.

1. Open the Zeta app and locate the Zeta LTA Card at the bottom of the home screen.
2. Tap on the LTA Card.
3. Click View Claims to view a detailed information of your LTA claim/s.

Claiming a LTA expense is essentially a 3-step process. These are as follows:

1. Enter travel or trip details.
2. Enter traveller details including dependent entries.
3. Upload the mandatory travel documents and enter the amount spent.

Finally, submit the LTA expense claim for review in the Zeta app or Zeta on Web platform.

1. Proof of leave: Upload the approved leave application
2. Travel Tickets: Upload the relevant travel tickets with invoices.
3. Boarding passes: Boarding passes are needed in case of flight travel.

You can also upload bills that exceed your LTA limit as set by your organisation but you receive reimbursement on your annual limit only. 

Yes. Zeta provides both multiple bill upload and lengthy bill upload features. For more details, refer to upload LTA documents.

You need not keep a physical copy of bills unless your company wants you to do so.