• loading

    We found 1 Andhra Bank Credit Cards
    Card
    1st Year Fee
    Rewards
    Joining Perks
    Nil
    Response Time : Within 30 minutes
    What you'll love
    Documents
    You'll also love
    Fee Details
     Loading your search... Loading your search...
  • Andhra Bank Credit Cards is Rated as "Excellent!" by 51 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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
      "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? 0
      , hyderabad
      Reviewed on May 04, 2018
    • andhra Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the Andhara bank Platinum credit card for more than a year, the customer support service is good with the Andhra bank. They give good response to the customers. I am satisfied with the credit limit value. The rate of interest and the charges average with this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 28, 2018
    • andhra Bank Credit Card
      "Awesome"
      0.5 5.0/5 "Blown Away!"
      I am using Andhra bank credit card from the last 1.5 yeas of time. I would like to say that the customer service is good one with them and the online portal is really fine one for me with the Andhra bank credit card. I am happy with them.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 15, 2018
    • andhra Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Andhra bank credit card from last 10 months, the services provided by Andhra bank credit card is good. There is no annual fee charged for this credit card. I am not aware of any offers in this credit card. I use net banking for making bill payments. I have a credit limit of Rs 50000 and the cash limit of Rs 14500 in this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 08, 2018
    • andhra Bank Credit Card
      "Good card"
      0.5 3.5/5 "Pretty good"
      I am having Andhra Bank credit card for more than 3 years. I haven't used this card because its a domestic credit card. The credit limit was 3L. The customer service and response was good. The charges are quite good. They charging annual around 700 rupees for a year.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 24, 2018
    • andhra Bank Credit Card
      "Better card to use"
      0.5 4.5/5 "Excellent!"
      The customer support is good with the Andhra bank. They helped me to get the credit card from the Andhra bank. The andhra bank platinum credit card is good to use for shopping, restaurants and for other usages. I am not satisfied with the credit limit which is offered by the Andhra bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 08, 2018
    • andhra Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Andhra bank credit card from last 2.5 years, i find this credit card is very convenient to use. They did not charge any annual fee at the time of getting this credit card. I get offers like reward points in this credit card. My bill payment gets auto deducted through ECS. I have a credit limit of Rs 1.25 lakhs with the cash limit of Rs 50000 which is more than sufficient.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 04, 2018
    • andhra Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with Andhra bank ,the service was excellent. They provide me with good offers and benefits ,interest and charges was also nominal with Andhara bank ,it was totally a excellent experience with my andhra bank Platinum credit card service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 03, 2018
    • andhra Bank Credit Card
      "Charges should be reduced"
      0.5 4.0/5 "Great!"
      Almost the charges are very high with Andhra bank, in term of rate of interest and over limit charges. Without my knowledge if I exceed around Rs.200 they charge me more. In terms of offers they are great, but they need to reduce the charges for the transaction.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 28, 2017
    • andhra Bank Credit Card
      "Happy service"
      0.5 5.0/5 "Blown Away!"
      I am using Andhra Bank Platinum credit card for a long time. It is just a basic card. The credit limit was 25k which was not satisfactory. The customer service and response was good. I will visit the branch for any query and they are providing proper solution. The charges are normal.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2017
    • andhra Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I am using Andhra Bank credit card from last 1.5 years, still there is no offers from the joining. They offered 30K of credit limit. I am doing a good transaction without any problems but they haven't increase my credit limit. The customer service and response was average. The rate of interest was good.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Nov 25, 2017
    • andhra Bank Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      It is not that much good to use the Andhra bank platinum credit card. I have the Andhra bank credit card for more than 5years. The customer support is average with Andhra bank credit card department. The credit limit is nominal with the Andhra bank credit card but I am satisfied with it. There is no annual fee to this card.
      Was this review helpful? 0
      , goa
      Reviewed on Nov 09, 2017
    • andhra Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am using Andhra bank credit card from last 4 years, the credit card services provided by Andhra bank credit is good when compared to other credit cards. They did not charge any annual fees at the time of getting this credit card. I use this card for shopping purpose, Credit limit is fine and this credit card is recommendable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 08, 2017
    • andhra Bank Credit Card
      "Nice card to have"
      0.5 5.0/5 "Blown Away!"
      I have a good usage of this Credit Card. The longstanding relationship with Andhra Bank, continued with this Credit Card. The Charges are very nominal and the Interest Rate levellied are alright. The Credit Limit of Rs.65000 is very good, I have been using it with good usage.
      Was this review helpful? 1
      , chennai
      Reviewed on Nov 01, 2017
    • andhra Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      Holding the Andhra bank platinum credit card for past 4years. I am satisfied with the credit limit. There is no annual fee with this card. I use this card for the bill payments and dot the shopping. The rate of interest and the charges are no0minal with Andhra bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 25, 2017
    • andhra Bank Credit Card
      "Satifactory"
      0.5 5.0/5 "Blown Away!"
      I have my credit card with ANDRA bank which was taken 5 years back. They have offered platinum card and I get reward points as benefits. I have 24/7 helpline number and OTP device to login also. The rate of interest and charges are average here. My overall experience was satisfactory.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 16, 2017
    • andhra Bank Credit Card
      "Looking for better and better feature"
      0.5 3.0/5 "Satisfactory"
      Andhra Bank credit card limit is low and also its not good. But my credit card details mentioned in ITR file but my card limit is very low. I am using this Andhra Bank credit card nearly eight years but still I am not satisfied with the offer and limit.
      Was this review helpful? 1
      , vijayawada
      Reviewed on Oct 14, 2017
    Common Loader Icon
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.