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  • Andhra Bank Credit Cards is Rated as "Excellent!" by 67 Users

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    Promised Interest Rate

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    Andhra Bank Credit Cards

    Andhra Bank, a medium-sized public sector bank, operates in 25 states and 3 union territories in India. The bank has asserted itself with a network of 2507 branches and 2232 ATMs across the country. The bank provides products and services that include deposits, accounts, loans and advances, insurance and mutual funds. Andhra Bank offers 6 different credit cards to suit the needs and lifestyles of different customers. It also offers a corporate card in association with VISA to cater to the needs of companies and their employees. Andhra Bank credit cards come with attractive features and benefits that make them stand out from the rest. With low costs and services charges, these cards make life more convenient without any added burden.

    Why choose Andhra Bank Credit Cards?

    Andhra Bank gives you a choice of credit cards that bear no admission fees. There are no annual fees for the first year, and you can also avail of the subsequent annual fee waiver if you spend a specified minimum amount. Enjoy 2 add on cards that you can avail for your loved ones and share the benefits of your credit card. Earn rewards while you spend at a number of merchant outlets accepting VISA and Mastercard credit cards.

    Features and benefits of Andhra Bank Credit Card:

    • Wide Acceptance:
    • Andhra Bank credit cards are accepted at a number of VISA and Mastercard affiliations. You can also avail of domestically accepted cards or globally valid cards. The globally accepted cards are Visa Platinum, Visa Gold, Visa Corporate, Visa Classic and Mastercard.

    • Zero Joining Fee:
    • Apply for an Andhra Bank credit card free of cost. The cards bear no joining fees.

    • Annual Fee Waiver:
    • For the first year, there are no annual fees levied. VISA Classic and Mastercard cardholders will get the annual fees waived every subsequent year if they spend at least Rs. 18,000 in the previous year. In the case of Gold cardholders, the fee will be waived if at least Rs. 30,000 is spent in the previous year. The VISA Platinum card needs to have a minimum of 18 transactions made in the previous year to get the fees waived.

    • Fresh Revolving credit:
    • One of the most attractive features of the Andhra Bank Credit Card is that every purchase gets a fresh credit period. The free credit period offered is 21 to 50 days.

    • Lost Card Liability:
    • You will receive free lost card insurance with your Andhra Bank credit card.

    • Cash Advance:
    • You can withdraw cash of up to 50% of your card limit. This is subject to the ATM daily cash withdrawal limits of Rs. 20,000 per day or a maximum of two transactions. Cash advances will be charged at 3% of the transaction amount. If you pay the amount by the due date, no interest will be charged. If you miss the due date, only then will service charges be applicable.

    • Zero cash withdrawal charges:
    • There are no transaction charges levied for withdrawals made at any of the Andhra Bank ATMs.

    • SMS Alerts:
    • Be up to date with your credit card account transactions, balance, bills and due dates with free SMS alerts sent to your registered mobile number.

    • Credit Card Statements:
    • Receive your credit card statements via post and email. With access to your statement at your own convenience right in your email inbox, you will never miss a payment.

    • Group Personal Accident Insurance:
    • Andhra Bank offers group personal accident insurance to all credit cardholders at a nominal premium. This offer is not available on the Mastercard Electronic card. Students get Rs. 25,000 cover. The VISA Classic and Mastercard Standard card receive Rs.2 lakhs insurance cover. The VISA Gold card is entitled to Rs. 5 lakhs cover.

    • Reward Points:
    • On select cards, earn 1 point for every Rs. 100 you spend. One point is equivalent to 0.50 paisa. Redeem your points on a host of offers from Andhra Bank.

    Andhra Bank Charges and Interest:

    Charge VISA Classic/MasterCard VISA Gold Card Student Card ICFAI student Card MasterCard Electronic Card
    Entry fee Nil Nil Nil Nil Nil
    Annual Fee Rs. 550 Rs. 1,000 Rs. 450 Rs. 350 Rs. 200
    Annual Fee for Add on cards Rs. 200 Rs. 400 NA NA Rs. 150
    Rate of interest per month 2.5% if the minimum due is paid. 2.95% if the minimum due payment is missed.
    Minimum due 5% of the billed amount

    Andhra Bank Rewards Scheme:

    Andhra Bank runs the ABLE Rewards Programme rewarding you with every Rs. 100 spent on your credit card. Earn one point for every Rs. 100 you spend at merchant outlets, online, IVR and MOTO. The cards eligible for the rewards scheme will be issued in association with VISA and Mastercard. The cards are listed below:

    • Andhra Bank Platinum Credit Card
    • Andhra Bank Gold Credit Card
    • Andhra Bank Classic Credit Card

    Rewards Redemption:

    Each point you earn on your Platinum and Signature cards is equivalent to 0.50 paisa.

    Every point earned on the Classic and Gold cards is also worth 0.50 paisa. You can visit www.ablerewards.com to redeem your points.

    Andhra Bank Credit Card Eligibility:

    The eligibility criteria set by Andhra Bank is given below.

    • Andhra Bank credit cards are issued to their customers. Non-customers are considered selectively.
    • The minimum income required is Rs. 1.8 lakhs.
    • Cards can be availed of against deposits without income proof.
    • Add on cards can be availed of for spouse, parents and major children. 2 cards can be applied for.

    Andhra Bank Credit Card Documents Required:

    To apply for an Andhra Bank Credit Card, you need to furnish the following documents.

    • You must fill up and submit the application form.
    • Submit two passport size photos
    • Latest salary slip OR Last 2 years IT Returns/Form 16
    • Copy of your Pan Card
    • ID Proof if PAN card is not submitted
    • Address proof

    List of Andhra Bank Credit Cards:

    VISA Classic - This credit card costs nothing to avail of. It carries an annual fee of Rs. 500 which is waived if you spend Rs. 18,000 or more in the previous year. This card is also eligible for the Rewards Programme.

    VISA Gold - This card is free but carries an annual fee of Rs. 1,000. This is waived if you spend at least Rs. 30,000 in the previous year. Add on cards carry an annual fee of Rs. 400. This card is eligible to enter into the Rewards Scheme. This card is valid globally.

    Mastercard Electronic Credit Card - This card is eligible for Reward points. There is no Group Personal accident insurance provided with this card.

    VISA corporate - Designed to fit the requirements of corporates and other institutions, this card brings benefits to both employer and employee.

    Platinum Credit Card - This card carries a host of benefits not available on other cards. You need to be earning at least Rs. 3 lakhs per annum or have a deposit of Rs. 1 lakh. For the Platinum card holders, Andhra Bank offers up to Rs. 10 lakh group personal accident insurance at a nominal premium. Add-on cardholders can get up to Rs. 5 lakh coverage.

    Signature Credit Card - This is a top-end card that caters to the elite with incredible features and benefits. You need an income of at least Rs. 10 lakhs per annum. The minimum credit limit is Rs. 2 lakhs. Enjoy lower interest and service charges, fuel surcharge waivers, lost card insurance and more. Andhra bank signature card is also embedded with an EMV chip and PIN that enhances its security.

    Andhra Bank Credit Card FAQs:

    1. When will I receive my credit card bill?
    2. Credit card statements will be mailed on the 1st of every month to the registered billing address via Indian Postal Service. You will also receive an email with the credit card statement.

    3. When is my credit card bill due date?
    4. The payment due date on any Andhra Bank credit card will be the 20th of every month.

    5. How do I pay my credit card bill?
    6. You can make payments towards your credit cards in any of the following ways:

      • Cheque or Draft
      • Pay Order payable at Hyderabad
      • Utility Payment Module at ATMS using the AB VISA Electron Debit Card.
    7. What happens if I default on my credit card payment?
    8. Reminders to pay your bill will be sent via fax, phone, SMS, post or email. The minimum due must be paid by the due date. A penalty will be charged upon missing this payment. Upon continuous default, the bank has the right to take legal action to recover the debt. You will also be reported to CIBIL, which will hamper all future credit opportunities.

    9. What do I do in case I lose my credit card?
    10. You must immediately report it to Andhra Bank. You must notify the bank in writing. You must also lodge a complaint and file an FIR with the police. Submit a copy of this to the bank. You can also call the Andhra Bank hotline to notify the bank before submitting it in writing.

    11. If I am a student, can I apply for a credit card?
    12. Andhra Bank offers special credit card schemes for students. Contact the bank to know more. These cards do not have the feature of add-on cards.

    13. How do I earn reward points?
    14. Reward points can be earn on select Andhra Bank credit cards. Simply spend on your credit card to collect points. For every Rs. 100 you spend, you will collect 1 reward point. Each point is worth 0.50 paisa.

    *Note: All the rates are subject to change and a customer has to keep on checking the revised rates.

    Andhra Bank Credit Cards Reviews

    • andhra Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My credit card was taken with ANDHRA BANK , they offered very low credit limit with this card it is only 50000 . They gave option of EMI . I use this card for multipurpose . I never had any issues with their services and with the card . Customer support and their response was good. It is a life time free card .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 14, 2018
    • andhra Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with the ANDHRA BANK and i am holding it from last few years where they have given the good credit limit which is satisfactory also the credit card is easy to use. They are providing with the good service with this bank.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Nov 02, 2018
    • andhra Bank Credit Card
      "GOOD CARD"
      0.5 4.0/5 "Great!"
      My credit card was taken with ANDHARA BANK , benefits were not so good i just use to get some reward points . I have my salary account with same bank and i ma using this card for past 1year . Customer support and their response is good . Service is up to the mark .
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 25, 2018
    • andhra Bank Credit Card
      "Delightful Service"
      0.5 5.0/5 "Blown Away!"
      Used this card almost for 5 yrs and still using it. Transactions are smooth, the best thing is interest Rates are very low and there is no delay in OTP issues compare to other banks. I can withdraw cash up to 50 % of my credit limit. Financial charges are very low and Fine charges normally are very less. Good to go card.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Oct 09, 2018
    • andhra Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am using the credit card from ANDHRA BANK approximately from last 3 years where the process of getting the credit card is good. The credit limit in this credit card is not satisfactory and expecting for hike in this credit card. The customer service is good and satisfactory in this card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 08, 2018
    • andhra Bank Credit Card
      "GOOD CARD"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ANDHARA BANK , they provide 50000 of credit limit but i was expecting 100000 of limit so i am not that much happy with this card . Benefits were good with this card and there is no annual fee at the time of getting the card . So far it has been good experience .
      Was this review helpful? 0
      , vijayawada
      Reviewed on Sep 11, 2018
    • andhra Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ANDHRA BANK 8 years back. I hold a visa card and the credit limit is 1,70,000 which Si quite convenient . I am happy with good benefits like reward points and cash back offers . Its a life time free card .My experience was up to the mark
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 05, 2018
    • andhra Bank Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      Its also good experience, but the service level is ok we can say, i can use this card in the stores only, not in the online purchase, so that could be improved so that the customers will get benefited for the user this card more, limit also is low they can enhance it, its been 1 year i am using this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 30, 2018
    • andhra Bank Credit Card
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've been using the Andhra Bank Credit card for a while. There are no online offers, the limit is not up-to the mark and EMI facility is also not good. They need to provide more offers to their customers.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 23, 2018
    • andhra Bank Credit Card
      "Good till date"
      0.5 5.0/5 "Blown Away!"
      I also hold a credit card with Andhra Bank and it has been a satisfactory experience till date. The offers are good as I get cash back and rewards as well. The credit limit is also good and the card is accepted all over. The statements are also clear.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 06, 2018
    • andhra Bank Credit Card
      "Good experience"
      0.5 4.5/5 "Excellent!"
      I have taken my credit card with ANHDRA BANK6 months back. I hold visa card and the given credit limit was 50,000 which is satisfactory .The customer service and responses was really excellent . The annul fee is 250 which is quite nominal. I am completely satisfied with the service .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 17, 2018
    • andhra Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ANDHRA BANK 3 years back. They have offered master card and the credit limit was 60,000 which is satisfactory . The customer service and responses was good. Their annul fee is high and i am not aware of the benefits i get.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 07, 2018
    • andhra Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      My credit card was take with ANDHRA BANK 3 months back. They have offered platinum card and the credit limit was 50,000 which is satisfactory . Its a life time free card . The customer service and responsiveness was up to the mark. The benefits are all good.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 04, 2018
    • andhra Bank Credit Card
      "GOOD"
      0.5 2.0/5 "Expected more"
      I have a credit card from Andhra bank, the limit is not good as compared to other cards that I am having. Over all I am satisfied as there were transaction issues or other issues using the card, and it is useful sometimes. And i am not that much satisfied with the card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 30, 2018
    • andhra Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have a credit card from Andhra bank, the limit is not good as compared to other cards that I am having. Over all I am satisfied as there were transaction issues or other issues using the card, and it is useful sometimes, hence the card is satisfactory.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 21, 2018
    • andhra Bank Credit Card
      "Average Service"
      0.5 4.0/5 "Great!"
      I've been using the Andhra Bank Visa Credit card for a while. The service is good, they also offered me a very good limit of 1 lac . I've been using the credit card for the past 5 years and it don't have any commendable offers so far. Overall it has been a very good experience with the services.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jun 20, 2018
    • andhra Bank Credit Card
      "AVERAGE"
      0.5 4.0/5 "Great!"
      My overall experience with ANDHRA BANK is average. From past 2 years that i am customer of this bank. From the customer care that i am getting a quick response and its comfortable in using this card. The card what i am using i chargeable, and also i am not satisfied with the limit in this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 11, 2018
    • andhra Bank Credit Card
      "BEST SERVICE"
      0.5 5.0/5 "Blown Away!"
      Am using Andhra bank credit card for last few years , their rate of interest is too low compared to other bank available in market. There annual charges are too low, am using this card for general purpose.am satisfied with the credit limit which they have given. I am satisfied with customer service and response,
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 08, 2018
    • andhra Bank Credit Card
      "GOOD CARD"
      0.5 5.0/5 "Blown Away!"
      Am using andhra bank credit card for last few years , there rate of interest is too low compared to other bank available in market. There annual charges are too low, am using this card for general purpose.am satisfied with the credit limit which they have given. Am satisfied with customer service and response,
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 05, 2018
    • andhra Bank Credit Card
      "Lifetime Free Card with fair limit"
      0.5 4.0/5 "Great!"
      I've been using the Andhra Bank Platinum Credit card for the past 1 Year. The credit Limit is very good and this card has exceptional features worth mentioning. It is a lifetime free card which is a great and I never had any issues with the card and their services.
      Was this review helpful? 1
      , hyderabad
      Reviewed on May 04, 2018
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