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  • Andhra Bank Signature Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

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    Andhra Bank Signature Credit Card

    The Andhra Bank Signature Credit Card is a premium card that caters to the elite. The card carries a host of benefits that include airport lounge access, concierge services, special VISA discounts, fuel surcharge waivers and lost card insurance. You can also opt for group personal accident insurance at a nominal premium. The card is EMV chip and PIN enabled which provides extra security against fraud and duplication. The card has a number of appealing features such as the roll over facility which allows you 20 to 51 days interest free periods. Every transaction gets a fresh credit period. Furthermore, you can withdraw cash up to 50% of your credit limit and pay it back by the due date with absolutely no interest charged.

    Benefits:

    • Airport Lounge Access:

      With your Andhra Bank Signature Card, you have exclusive access to selected airport lounges the nominal fee of US$ 27 will be applicable.

    • Exclusive offers:

      You are entitled to offers and discounts provided by VISA on a season to season basis. Get great deals on Entertainment, Dining, Retail and Travel.

    • Concierge Services:

      Andhra Bank in association with VISA provides concierge services that include making hotel and restaurant reservations, booking flights, sending flowers and gifts and more.

    • Fuel Surcharge waiver:

      Enjoy filling up your tank with no extra charges on your Andhra Bank Signature Card. No surcharge is levied on fuel purchases up to Rs. 4,000 per day.

    • Lost Card Insurance:

      Be worry free with your Andhra Bank Signature Credit Card. Get coverage of up to Rs. 1.50 lakhs in case of lost card liabilities.

    • Cash Advance:

      Withdraw cash from any ATM as and when you require. The cash advance fee is 2%. No service charge is levied if the cash is paid back in full by the due date.

    • Group Personal Accident Insurance:

      Andhra Bank offers optional group personal accident insurance at nominal premiums to cardholders. Get coverage for up to Rs. 30 lakhs for the main and add-on cardholder. The premium will be charged at Rs. 1,401 per card.

    Features:

    • EMV Chip and PIN:

      The Signature Credit Card has an embedded chip that enhances protection against fraud and duplication. The card is also PIN enabled which requires you to authenticate every transaction with a code.

    • Revolving Credit:

      Avail of 21-50 days interest-free periods on your Signature credit card. Each purchase gets a fresh credit period. The finance charges are 2.5% per month on balances carried forward.

    • Utility Bill Payment:

      Pay your bills easily through VISA bill pay. Make sure you’re never late on a payment with your Andhra Bank Signature Credit Card.

    • Low Service Charges:

      Under the roll over facility, service charges are only 1.50%.

    • High Credit Limit:

      Andhra Bank offers high credit limits on this credit card. The minimum credit limit on this card is Rs. 2 lakhs.

    • Annual Fee Waiver:

      Spend at least Rs. 2.70 lakhs in one year and the annual fee from the second year will be waived.

    • Statements and Summaries:

      Get your statements via post and e-mail. At the end of the year, Andhra Bank will send you a detailed summary of your activity and spending patterns

    • 24x7 Customer Care:

      Contact the Andhra Bank Customer Care anytime and anywhere to find out about your outstanding balance, details of transactions, card usage, cash limit, and to even report lost cards.

    Important Fees and Charges:

    Charge Amount
    Joining Fee Nil
    Annual Fee Free for the first year. Waived if Rs. 2.7 lakhs is spent in the previous year.
    Add on Card Nil
    Interest on revolving credit 2.5% per month (30% per annum) if the minimum due has been paid by the due date. 2.95% per month in case the minimum payment is missed.
    Minimum due 5% of the billed amount.

    Other Fees and Charges:

    Charge Amount
    Cash advance limit 50% of the credit limit, subject to a maximum of two transactions or Rs. 20,000 per day.
    Cash advance transaction charge 2% of transaction amount
    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
    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.
    Booking Railway ticket charges 2.5% of the transaction amount.
    Other surcharges 2.5% of the transaction amount subject to a minimum of Rs. 10.
    SMS alerts Rs. 15 per on a quarterly basis (Rs. 60 per year).
    Chargeslip request Rs. 100 per slip
    Cheque return Less than Rs. 5,000 - Rs. 50 per cheque Above Rs. 5,000 - Rs. 100 per cheque
    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.
    Lost card charges Rs. 200
    Card replacement Rs. 200
    Foreign Currency Transaction Markup 3% only on international transactions
    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
    Above Rs. 15,000 Rs. 400

    Eligibility Criteria for Andhra Bank Signature Credit Card:

    Customers who meet the eligibility requirements can apply for this card. To be eligible for an Andhra Bank Signature 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 be earning at least Rs. 10 lakhs per annum.
    • For applicants without income proof, you should have a term deposit with Andhra Bank. The limit on the credit card will be 75% of the value of the deposit.

    Documents required:

    • Duly-filled and signed application form.
    • Two passport size photographs (color).
    • Copy of PAN card.
    • ID proof as per KYC norms if PAN card copy is not provided.
    • Address proof.
    • Scoring model signed by the Branch Manager
    • Latest Salary Slip/Form 16 or 2 years latest IT returns.

    Andhra Bank Signature Credit Card FAQs:

    1. Where is my Signature Credit Card accepted?

      Your Andhra Bank Signature Credit Card is valid at any merchant establishments which accept VISA and Mastercard cards. The card can also be used to transact online, pay through IVRS, teleshopping and mail order.

    2. What is revolving credit?

      Revolving credit facility allows you to pay the minimum due on your credit card by the payment due date and carry forward the rest of the balance. Interest will be levied on the balance carried forward at 2.5% per month if the minimum payment due is met. If the minimum payment is missed, then the charges are increased to 2.95% per month. You can get 20 to 51 days free credit periods.

    3. How do I pay my credit card dues?
      • You can pay your credit card bill by cheque, DD or cash at any of the Andhra Bank branches.
      • You can opt to pay your bill via Andhra Bank ATMs using your Andhra Bank debit card. You need to register with your branch to use this facility.
      • For account holders, you can set a standing instruction to pay the full amount or the minimum due. The amount will be directly debited from your bank account on the due date.
      • You can also pay through NEFT.
    4. What is the minimum amount due?

      Out of your total billed amount, 5% has to be paid by the due date every month. This ensures that you do not attract any penalties and higher interest charges.

    5. For whom can I take add on cards?

      You can apply for an add on card for your parents or children. The credit limit will be shared amongst both cards. The usage, fees, and bills will be charged to the main cardholder.

    Other Top Credit Cards By Andhra Bank

    Andhra Bank Signature Credit Card Reviews

    • andhra Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      Credit card which I'm using is a basic card provided by Andhra Bank. I have got the credit limit of Rs. 60000 which is enough for me. There is no annual fee. I have not received any kind of offer notification till now. Since i have a account with them, they have offered me this free credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 03, 2018
    • andhra Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My credit card was taken with ANDHRA BANK , they offered very low credit limit with this card it is only 50000 . They gave option of EMI . I use this card for multipurpose . I never had any issues with their services and with the card . Customer support and their response was good. It is a life time free card .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 14, 2018
    • andhra Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with the ANDHRA BANK and i am holding it from last few years where they have given the good credit limit which is satisfactory also the credit card is easy to use. They are providing with the good service with this bank.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Nov 02, 2018
    • andhra Bank Credit Card
      "GOOD CARD"
      0.5 4.0/5 "Great!"
      My credit card was taken with ANDHARA BANK , benefits were not so good i just use to get some reward points . I have my salary account with same bank and i ma using this card for past 1year . Customer support and their response is good . Service is up to the mark .
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 25, 2018
    • andhra Bank Credit Card
      "Delightful Service"
      0.5 5.0/5 "Blown Away!"
      Used this card almost for 5 yrs and still using it. Transactions are smooth, the best thing is interest Rates are very low and there is no delay in OTP issues compare to other banks. I can withdraw cash up to 50 % of my credit limit. Financial charges are very low and Fine charges normally are very less. Good to go card.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Oct 09, 2018
    • andhra Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I am using the credit card from ANDHRA BANK approximately from last 3 years where the process of getting the credit card is good. The credit limit in this credit card is not satisfactory and expecting for hike in this credit card. The customer service is good and satisfactory in this card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 08, 2018
    • andhra Bank Credit Card
      "GOOD CARD"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ANDHARA BANK , they provide 50000 of credit limit but i was expecting 100000 of limit so i am not that much happy with this card . Benefits were good with this card and there is no annual fee at the time of getting the card . So far it has been good experience .
      Was this review helpful? 0
      , vijayawada
      Reviewed on Sep 11, 2018
    • andhra Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ANDHRA BANK 8 years back. I hold a visa card and the credit limit is 1,70,000 which Si quite convenient . I am happy with good benefits like reward points and cash back offers . Its a life time free card .My experience was up to the mark
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 05, 2018
    • andhra Bank Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      Its also good experience, but the service level is ok we can say, i can use this card in the stores only, not in the online purchase, so that could be improved so that the customers will get benefited for the user this card more, limit also is low they can enhance it, its been 1 year i am using this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 30, 2018
    • andhra Bank Credit Card
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've been using the Andhra Bank Credit card for a while. There are no online offers, the limit is not up-to the mark and EMI facility is also not good. They need to provide more offers to their customers.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 23, 2018
    • andhra Bank Credit Card
      "Good till date"
      0.5 5.0/5 "Blown Away!"
      I also hold a credit card with Andhra Bank and it has been a satisfactory experience till date. The offers are good as I get cash back and rewards as well. The credit limit is also good and the card is accepted all over. The statements are also clear.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 06, 2018
    • andhra Bank Credit Card
      "Good experience"
      0.5 4.5/5 "Excellent!"
      I have taken my credit card with ANHDRA BANK6 months back. I hold visa card and the given credit limit was 50,000 which is satisfactory .The customer service and responses was really excellent . The annul fee is 250 which is quite nominal. I am completely satisfied with the service .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 17, 2018
    • andhra Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with ANDHRA BANK 3 years back. They have offered master card and the credit limit was 60,000 which is satisfactory . The customer service and responses was good. Their annul fee is high and i am not aware of the benefits i get.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 07, 2018
    • andhra Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      My credit card was take with ANDHRA BANK 3 months back. They have offered platinum card and the credit limit was 50,000 which is satisfactory . Its a life time free card . The customer service and responsiveness was up to the mark. The benefits are all good.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 04, 2018
    • andhra Bank Credit Card
      "GOOD"
      0.5 2.0/5 "Expected more"
      I have a credit card from Andhra bank, the limit is not good as compared to other cards that I am having. Over all I am satisfied as there were transaction issues or other issues using the card, and it is useful sometimes. And i am not that much satisfied with the card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 30, 2018
    • andhra Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have a credit card from Andhra bank, the limit is not good as compared to other cards that I am having. Over all I am satisfied as there were transaction issues or other issues using the card, and it is useful sometimes, hence the card is satisfactory.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 21, 2018
    • 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
      "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
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