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

    Fees & Charges

    Promised Interest Rate

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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 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? 0
      , goa
      Reviewed on Nov 09, 2017
    • andhra Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am using Andhra bank credit card from last 4 years, the credit card services provided by Andhra bank credit is good when compared to other credit cards. They did not charge any annual fees at the time of getting this credit card. I use this card for shopping purpose, Credit limit is fine and this credit card is recommendable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 08, 2017
    • andhra Bank Credit Card
      "Nice card to have"
      0.5 5.0/5 "Blown Away!"
      I have a good usage of this Credit Card. The longstanding relationship with Andhra Bank, continued with this Credit Card. The Charges are very nominal and the Interest Rate levellied are alright. The Credit Limit of Rs.65000 is very good, I have been using it with good usage.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 01, 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
      "Satifactory"
      0.5 5.0/5 "Blown Away!"
      I have my credit card with ANDRA bank which was taken 5 years back. They have offered platinum card and I get reward points as benefits. I have 24/7 helpline number and OTP device to login also. The rate of interest and charges are average here. My overall experience was satisfactory.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 16, 2017
    • andhra Bank Credit Card
      "Looking for better and better feature"
      0.5 3.0/5 "Satisfactory"
      Andhra Bank credit card limit is low and also its not good. But my credit card details mentioned in ITR file but my card limit is very low. I am using this Andhra Bank credit card nearly eight years but still I am not satisfied with the offer and limit.
      Was this review helpful? 0
      , vijayawada
      Reviewed on Oct 14, 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? 0
      , khammam
      Reviewed on Sep 21, 2017
    • andhra Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Their service was very prompt in terms of credit card. Based on my savings account they have offered me this credit card and it pretty good but I don't that much but still. They have offered 2 lakhs as a credit limit and they have normal offers and I am holding this card for more than 2 years now.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 23, 2017
    • andhra Bank Credit Card
      "Customer Service has to be improved"
      0.5 3.0/5 "Satisfactory"
      I am using Gold credit card of Andhra, I am not happy with their customer care, My credit card pin number got blocked. Last two months, I had been trying to get new pin to use but there was no response. I wrote several mail but revert from them. Now I would like to close that card.
      Was this review helpful? 0
      , vizianagaram
      Reviewed on Jun 03, 2017
    • andhra Bank Credit Card
      "Good services"
      0.5 4.0/5 "Great!"
      The experience for the credit card is overall good at Andhra bank. Bu they have given me a lower credit limit when compared to the card at SBI. I have a limit of only 50K and there could be more offers which is beneficial for me. The customer services are normal.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jun 02, 2017
    • andhra Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using andhra bank credit card for the past one year. Their services are good. There is no hassles till date because of credit card. I got life time free card with good interest rate. I am getting reward points and cash back offers from the bank on my usage.
      Was this review helpful? 0
      , pune
      Reviewed on May 17, 2017
    • andhra Bank Credit Card
      "Charges has to be waived off"
      0.5 4.0/5 "Great!"
      Andhra Bank is also good in credit card experience but there was no much benefits with this card. They used to take some maintenance charges and annual charges on credit card bills, if I am not using my card for some particular limit. HDFC is best in credit card experience compared to Andhra Bank.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Apr 26, 2017
    • andhra Bank Credit Card
      "Brand new card"
      0.5 3.0/5 "Satisfactory"
      Its a brand new credit card. my wife was given a credit limit of 50k based on her pan Women account which they have provided without any request. They have provided her a credit limit of 60k on her HDFC credit card. I am expecting the same or better limit on my Andhra bank too. I was shocked to see my credit limit as they have assigned only 60k. I will not recommend this card because on my wife HDFC credit we have earned about 4000 on our spending where as this options is not there in the above mentioned card.
      Was this review helpful? 0
      , kurnool
      Reviewed on Apr 20, 2017
    • andhra Bank Credit Card
      "Very Useful Credit Card"
      0.5 4.0/5 "Great!"
      I was holding my credit card with ANDHRA Bank for past one year. I didn't receive any offers on my credit card.But I am using this credit card for general usage. They were very transparent in statements, I used to pay my bill amount directly to the branch.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 31, 2017
    • andhra Bank Credit Card
      "Excellent services"
      0.5 4.5/5 "Excellent!"
      I had applied for a credit card with Andhra Bank. The process was excellent. I did not have to submit any documents as I am an existing customer of the bank. The verification was done and I have also received my PIN number. I would be receiving my card as well. A good experience.
      Was this review helpful? 4
      , bangalore
      Reviewed on Jul 18, 2016
    • andhra Bank Credit Card
      "Better service "
      0.5 3.0/5 "Satisfactory"
      Its not suitable card for this modern world.They are not much convenient for the online offers which are available with other banks.The response and service provided was on the average scale.They apply annual fee around 300Rs in the credit card with Andhra Bank.
      Was this review helpful? 7
      , vijayawada
      Reviewed on Jun 14, 2016
    • andhra Bank Credit Card
      "Excellent !!!!"
      0.5 5.0/5 "Blown Away!"
      I have the Andhra bank credit card for last two year.My suggestion to the bank is that they have to introduce the emi option and also cash back offer on the purchase. But the major advantage is that there is no annul fee as it is cooperate card. Billing cycle and statements are good.
      Was this review helpful? 2
      , chandigarh
      Reviewed on Apr 28, 2016
    • andhra Bank Credit Card
      "good card"
      0.5 5.0/5 "Blown Away!"
      I get good offers on my platinum visa credit card that I am having with the Andhra bank. The card is fine and the credit limit is fine too. Overall it is a good card and could be also recommended to those who look for. I give 5 star for the overall rating.
      Was this review helpful? 4
      , nagpur
      Reviewed on Mar 31, 2016
    • andhra Bank Credit Card
      "No extra charges levied!"
      0.5 5.0/5 "Blown Away!"
      I felt that Andhra bank credit cards are far better than any other credit cards available in the market. There are no extra charges levied on this Platinum credit card. Whenever I get my increment in my salary, I used to get the credit limit enhancement along with that.
      Was this review helpful? 5
      , chennai
      Reviewed on Mar 03, 2016
    • andhra Bank Credit Card
      "100% satisfied!"
      0.5 5.0/5 "Blown Away!"
      When compared to other banks, the interest rate was pretty less with Andhra bank credit card. For more than 8 years, I am having the Platinum credit card with them. I would suggest them to make the EMI options more flexible for the transactions.
      Was this review helpful? 2
      , chennai
      Reviewed on Feb 29, 2016
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