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.
With your Andhra Bank Signature Card, you have exclusive access to selected airport lounges the nominal fee of US$ 27 will be applicable.
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.
Andhra Bank in association with VISA provides concierge services that include making hotel and restaurant reservations, booking flights, sending flowers and gifts and more.
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.
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.
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.
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.
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.
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.
Pay your bills easily through VISA bill pay. Make sure you’re never late on a payment with your Andhra Bank Signature Credit Card.
Under the roll over facility, service charges are only 1.50%.
Andhra Bank offers high credit limits on this credit card. The minimum credit limit on this card is Rs. 2 lakhs.
Spend at least Rs. 2.70 lakhs in one year and the annual fee from the second year will be waived.
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
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.
|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.|
|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%)|
|Up to Rs. 5,000||Rs. 200|
|Rs. 5001 to Rs. 15,000||Rs. 300|
|Above Rs. 15,000||Rs. 400|
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.
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.
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.
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.
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.
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