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.
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.
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.
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.
Enjoy the lowest service charges of only 1.50% per month on your revolving credit.
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.
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.
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.
|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.|
|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%)|
|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|
To successfully avail of an Andhra Bank Platinum Credit Card, you need to fit the criteria below.
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.
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% 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.
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.
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