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    We found 1 Andhra Bank Platinum Credit Card
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    1st Year Fee
    Rewards
    Joining Perks
    Nil
    Response Time : Within 30 minutes
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    Andhra Bank Platinum Credit Card is Rated as "Excellent!" by 8 Users

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    Andhra Bank Platinum Credit Card

    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.

    Benefits:

    • Reward Points:

      Earn one reward point for every Rs 100 spent on your Platinum card. Each point is valued at 0.50 paisa.

    • Concierge Services:

      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.

    • Cash Advance:

      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.

    Features:

    • Global acceptance:

      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.

    • Revolving Credit:

      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:

    Charge Amount
    Joining Fee Nil
    Annual Fee 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 Rs. 300
    Interest on revolving credit 1.5% per month. Interest rate is increased to 2.95% per month if minimum amount due is not paid.
    Minimum due 5% of the billed amount.

    Other Fees and Charges:

    Charge Amount
    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 Nil
    Foreign Currency Transaction Markup 3% only on international transactions
    SMS alerts Rs. 15 per on a quarterly basis (Rs. 60 per year).
    Booking Railway ticket charges 2.5% of the transaction amount.
    Fuel surcharge 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.
    Other surcharges 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.
    Cheque return Less than Rs. 5,000 - Rs. 50 per cheque Above Rs. 5,000 - Rs. 100 per cheque
    Chargeslip request Rs. 100 per slip
    Lost card charges Rs. 200
    Card replacement Rs. 200
    Service Tax 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:

    Outstanding Balance Fees
    Up to Rs. 5,000 Rs. 200
    Rs. 5001 to Rs. 15,000 Rs. 300
    Rs. 15,001 to Rs. 25,000 Rs. 400
    Above Rs. 25,001 Rs. 600

    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.

    Documents required:

    • 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:

    1. 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.
    2. 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.

    3. .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.

    4. 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.

    5. 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.

    Other Top Credit Cards By Andhra Bank

    Andhra Bank Platinum Credit Card Reviews

    • 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
      "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
    • 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? 2
      , hyderabad
      Reviewed on Mar 28, 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
      "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? 1
      , chennai
      Reviewed on Dec 13, 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? 1
      , goa
      Reviewed on Nov 09, 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
      "Its Better"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 1
      , khammam
      Reviewed on Sep 21, 2017
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