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  • Andhra Bank Signature Credit Card

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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
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the Andhara bank Platinum credit card for more than a year, the customer support service is good with the Andhra bank. They give good response to the customers. I am satisfied with the credit limit value. The rate of interest and the charges average with this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 28, 2018
    • andhra Bank Credit Card
      "Awesome"
      0.5 5.0/5 "Blown Away!"
      I am using Andhra bank credit card from the last 1.5 yeas of time. I would like to say that the customer service is good one with them and the online portal is really fine one for me with the Andhra bank credit card. I am happy with them.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 15, 2018
    • andhra Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Andhra bank credit card from last 10 months, the services provided by Andhra bank credit card is good. There is no annual fee charged for this credit card. I am not aware of any offers in this credit card. I use net banking for making bill payments. I have a credit limit of Rs 50000 and the cash limit of Rs 14500 in this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 08, 2018
    • andhra Bank Credit Card
      "Good card"
      0.5 3.5/5 "Pretty good"
      I am having Andhra Bank credit card for more than 3 years. I haven't used this card because its a domestic credit card. The credit limit was 3L. The customer service and response was good. The charges are quite good. They charging annual around 700 rupees for a year.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 24, 2018
    • andhra Bank Credit Card
      "Better card to use"
      0.5 4.5/5 "Excellent!"
      The customer support is good with the Andhra bank. They helped me to get the credit card from the Andhra bank. The andhra bank platinum credit card is good to use for shopping, restaurants and for other usages. I am not satisfied with the credit limit which is offered by the Andhra bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 08, 2018
    • andhra Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Andhra bank credit card from last 2.5 years, i find this credit card is very convenient to use. They did not charge any annual fee at the time of getting this credit card. I get offers like reward points in this credit card. My bill payment gets auto deducted through ECS. I have a credit limit of Rs 1.25 lakhs with the cash limit of Rs 50000 which is more than sufficient.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 04, 2018
    • andhra Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with Andhra bank ,the service was excellent. They provide me with good offers and benefits ,interest and charges was also nominal with Andhara bank ,it was totally a excellent experience with my andhra bank Platinum credit card service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 03, 2018
    • andhra Bank Credit Card
      "Charges should be reduced"
      0.5 4.0/5 "Great!"
      Almost the charges are very high with Andhra bank, in term of rate of interest and over limit charges. Without my knowledge if I exceed around Rs.200 they charge me more. In terms of offers they are great, but they need to reduce the charges for the transaction.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 28, 2017
    • andhra Bank Credit Card
      "Happy service"
      0.5 5.0/5 "Blown Away!"
      I am using Andhra Bank Platinum credit card for a long time. It is just a basic card. The credit limit was 25k which was not satisfactory. The customer service and response was good. I will visit the branch for any query and they are providing proper solution. The charges are normal.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2017
    • andhra Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I am using Andhra Bank credit card from last 1.5 years, still there is no offers from the joining. They offered 30K of credit limit. I am doing a good transaction without any problems but they haven't increase my credit limit. The customer service and response was average. The rate of interest was good.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Nov 25, 2017
    • 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? 1
      , 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? 1
      , 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? 1
      , 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
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