The Andhra Bank Platinum Credit Card has appealing features and benefits that makes spending on your card fruitful. Earn reward points while you spend. Each point is worth 50 paisa. You can opt for group personal accident insurance at a nominal premium. Every transaction gets a new interest-free credit period. Avail of a roll over facility which gives you 20 to 51 days interest free periods. With this card, you can withdraw cash anytime you need for up to 50% of your credit limit. Pay it back by the due date and incur absolutely no interest.
Earn one reward point for every Rs 100 spent on your Platinum card. Each point is valued at 0.50 paisa.
Brought to you by VISA, avail of concierge services anywhere in the world 24x7. Call the VISA Global toll free number to make restaurant reservations, book hotels and flights, send flowers and gifts to your loved ones, arrange for emergency cash assistance and more.
Fuel Surcharge waiver:
The surcharge is waived on fuel purchases up to Rs. 2,000 per day. Fill up your tank with your Andhra Bank Platinum Card to avail of this benefit.
Get cash when you need it from any ATM. Enjoy the lowest cash advances charges at 2% per month.
Group Personal Accident Insurance:
Andhra Bank Platinum credit cardholders can avail of optional group personal accident insurance at nominal premiums. Get coverage for up to Rs. 10 lakhs for the main cardholder and Rs. 5 lakhs for the add-on cardholder.
This credit card is accepted worldwide at merchant outlets, online, teleshopping, IVRS and mail order.
No Admission Fees:
Apply for the Andhra Bank Credit Card free of charge. To become a cardholder costs nothing.
Buy now and pay later with your Andhra Bank Platinum Card. Enjoy interest-free period of 20 days to 51 days on your purchases.
Lowest Service Charges:
Enjoy the lowest service charges of only 1.50% per month on your revolving credit.
Annual Fee Waiver:
Enjoy zero subscription fees for the first year. Get the annual fees waived for the second year onwards if you spend at least Rs. 30,000 in the previous year or use the card for 18 transactions.
Statements and Summaries:
Andhra Bank will send you a summary of the year with the details of your activities and spending patterns. Your monthly statements will reach you via post and email.
24x7 Customer Care:
Andhra Bank provides a 24x7 hotline for customers to reach out for any issues they may have. You can contact the bank to report loss of card, enquire about card declines and find out your outstanding balance, cash or credit limit, details of transactions, card usage and more.
Important Fees and Charges:
Card against income - Rs. 1,000. Card against deposit - Rs. 400 Free for the first year. Waived if Rs. 30,000 is spent in the previous year or used for 18 transactions.
Add on Card
Interest on revolving credit
1.5% per month. Interest rate is increased to 2.95% per month if minimum amount due is not paid.
5% of the billed amount.
Other Fees and Charges:
Cash advance transaction charge
2% of transaction amount.
Cash advance limit
50% of the credit limit, subject to a maximum of Rs. 20,000 per day or two transactions.
Cash withdrawal at Andhra Bank ATMs
3% of the withdrawn amount.
Cash withdrawal at other Bank ATMs
3% of the withdrawn amount plus Rs. 50 on Mastercard and Rs. 70 on VISA.
Over limit charges
Foreign Currency Transaction Markup
3% only on international transactions
Rs. 15 per on a quarterly basis (Rs. 60 per year).
Booking Railway ticket charges
2.5% of the transaction amount.
2.5 % of the transaction subject to a minimum of Rs. 10. No charge for fuel purchases up to Rs. 4,000 per day at HPCL outlets.
2.5% of the transaction amount subject to a minimum of Rs. 10.
Outstation cheque collection
Rs. 10 for each Rs. 1,000 or part thereof. An additional Rs.25 will be charged for out of pocket expenses.
Less than Rs. 5,000 - Rs. 50 per cheque Above Rs. 5,000 - Rs. 100 per cheque
Rs. 100 per slip
Lost card charges
Currently charged at 12.36% of the amount of Service Charges. (Service tax @12% + 2% Education Cess on 10% +1% Secondary & Higher education Cess on 12%)
Late Payment Charges:
Up to Rs. 5,000
Rs. 5001 to Rs. 15,000
Rs. 15,001 to Rs. 25,000
Above Rs. 25,001
Eligibility Criteria for Andhra Bank Platinum Credit Card:
To successfully avail of an Andhra Bank Platinum Credit Card, you need to fit the criteria below.
You should be an existing customer of Andhra Bank. Non customers are considered on selective basis.
You should have an income of at least Rs. 3 lakhs per annum.
If you cannot provide income proof, you should have a term deposit of at least Rs. 1 lakh with Andhra Bank. The limit on the credit card will be 75% of the value of the deposit.
Duly-filled application form.
Two passport size photographs (color).
Income proof: Latest Salary Slip/Form 16 or 2 years latest IT returns.
Address proof as per KYC norms.
Copy of PAN card.
ID proof as per KYC norms if PAN card copy is not provided.
Andhra Bank Platinum Credit Card FAQs:
How do I pay my credit card dues?
You can also pay through NEFT.
Drop a cheque, DD or cash at any Andhra Bank branch.
Pay your bill at Andhra Bank ATMs using your Andhra Bank debit card. Register with your Andhra Bank branch to use this facility.
Andhra Bank account holders can set standing instructions to pay the minimum due or the full amount. The amount will be directly debited from your bank account on the due date.
Where is my Platinum Credit Card accepted?
You Platinum credit card is accepted internationally at merchant outlets that accept VISA or Mastercard. You can use your card for retail and online purchases, through IVRS, mail order and teleshopping.
.How much interest will I incur if I carry forward a balance?
If you choose to pay only the minimum amount due or a part of the bill, the rest of the amount carried forward will attract 1.5% per month on your Andhra Bank Platinum credit card.
What is the minimum amount due on my Andhra Bank Platinum Credit Card?
5% of the total billed amount is charged as the minimum due. This has to be paid by the due date every month. You will not attract any penalties and higher interest charges if this is paid.
How many add on cards can I avail of?
With your Andhra Bank Platinum Credit card, you are entitled to take 2 add on cards for your parents or children. The usage, fees, and bills will be charged to the main cardholder. The credit limit will be shared amongst both cards.
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar’s partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.
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.
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KOPPURAVURI JYOTHI PRAKASH
Reviewed on Jun 20, 2018
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?
Reviewed on May 04, 2018
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.
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.
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.
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.
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BHASKARA RAO BAGGAM
Reviewed on Nov 09, 2017
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.
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Reviewed on Oct 25, 2017
I am holding platinum credit card from Andhra Bank, they are providing good reward points, remaining all it has the basic features which provided by other banks. But credit limit is good they offered around Rs.50,000. I am very fine with them.
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VANGAVETI RANJITH KUMAR
Reviewed on Sep 21, 2017
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.
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