Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Andhra Bank Platinum Credit Card

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    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.

    Features of Andhra Bank Platinum Credit Card

    • 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 Andhra Bank credit card customer care 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.

    Benefits of Andhra Bank Platinum Credit Card

    • 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.

    Andhra Bank Platinum Credit Card Fees and Charges

    Type of 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:

    Type of 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 for Andhra Bank Platinum Credit Card

    • 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. Where is my Andhra Bank Platinum Credit Card accepted?

      You Andhra Bank 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.

    2. 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.

    3. 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.

    4. 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.

    5. How do I pay my Andhra Bank 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.

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