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Andhra Bank offers Signature Credit Cards as well as Platinum Credit Cards. This Bank offers hassle free and convenient credit card bill payment options to their credit card holders. It provides electronic payment processing methods, online as well as offline methods.
Andhra Bank Credit Card Payment Options:
Bill payment options for the Account holders of Andhra Bank:
Credit card holders who are Andhra Bank account holders can choose to place a Standing Instruction in order to debit their account with the required credit card bill amount on the due date. This can be issued at the Andhra Bank Branch where the customer has an account. The standing instruction can be made out for the payment of either the minimum payable amount or the total bill payment and on the due date, this amount will be debited. In order to pay the Andhra Bank Credit Card Bill by way of a Standing Instruction,
If you are an Andhra Bank Internet Banking user, then you can register for credit card bill payment through Net Banking. This will enable you to pay Andhra Bank Credit card bills online.
The process of paying the credit card bill using Andhra Bank Net Banking is as follows:
Bill Payment options for the Non-Andhra Bank Account holders:
NEFT (National Electronic Funds Transfer facility):
Andhra Bank credit card holders who has an account in another bank and wish to use the other bank net banking to make a payment towards the Andhra Bank credit card dues can use the NEFT (National Electronic Funds Transfer) facility to pay the minimum due amount or the total amount due on the card.
The process of paying Andhra Bank Credit Card Bill Payment through NEFT is as follows:
In order to transfer the Bill Amount through NEFT (National Electronic Funds Transfer facility), the following details have to be provided by the customer: details of the credit card such as name of the beneficiary bank (Andhra Bank), beneficiary’s account no, the respective IFSC Code of the Beneficiary Bank branch (example: ANDB0000231), beneficiary’s name and the 16 digit Credit Card number. Once the NEFT remittance is made, the Andhra Bank credit card holder should send a mail to the email id provided on the Bank’s website with relevant details of the remittance. This is required for confirming the remittance made and acknowledging the same.
One of the offline modes of Andhra Bank credit card bill payment is through cash payment Andhra Bank branch before the due date.
The Andhra Bank Credit card bill amount can also be settled by way of cheque or Demand Draft which can be deposited at any of the Andhra Bank Branches. Andhra Bank also has specific credit card centres which collect Cheques and Drafts made towards payment of the credit card bill amount. The customer can find the address of the closest credit card centre in his/her credit card statement. A non- Andhra bank account holder has to present the cheque at any Andhra Bank branch for clearing well ahead of the due payment date so that the money is credited to the card holder’s credit card account transaction time does not exceed the time limit.
Andhra Bank credit card statement can be viewed online using the Net Banking account. Another method of receiving the credit card statement is through the registered email ID. The credit card statement for each month is sent to the customer as and when it is generated and this specifies the due date for payment, the minimum amount due, the total amount due, etc.
Andhra bank credit card holders can contact the Help Desk which is available around the clock to offer assistance relating to all credit card queries and concerns such as Card Limit used, enquiry about balance outstanding, details of transactions, Cash limit, PIN usage, etc.
The Andhra Bank credit card payment due date is on or before the 20th of every month. If payment is made after the 20th of a particular month then an additional charge for late payment, tax and other service charges will be levied.
If a credit card holder uses their card and repays the dues for an amount worth Rs.23000 for Visa Gold card and Rs.18000 for Master Cards/Visa Classic Cards then the annual fee will be waived off.
The Andhra Bank credit card will remain active only if the credit card dues are paid on the due date. At least the Minimum Payment Due (MPD) should be paid on or before the payment due date.
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