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| Know about Andhra Bank Credit Cards |
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 Salient Features Of Our Credit Card |
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Wide Acceptance at all VISA and Master Card affiliations.
Cards are issued against a minimum Proven Income of Rs 1.80 lacs per annum.
Credit Cards are also issued against lien on Deposits, without Income proof
Sanctioning of card Limit at the discretion of the Bank
2 Add-on cards are eligible.
Cash advance facility at 50% on the Card Limit with a maximum number of Two transactions subject to per day limit of Rs20,000/-
Cash advance charges at 3% of the amount. No further interest is chargeable if paid by due date. Failure to pay by due date, regular service charges are applicable, but not from the date of cash advance.
Global acceptance for Visa Platinum, Visa Gold, Visa Corporate and Master Card
Minimum Payment Due (MPD) is 5% of the bill amount
No admission fee.
No Annual subscription in the first year
No Annual subscription levied in the subsequent years, if a minimum of Rs. 18,000/- is spent by using Visa Classic and Master Cards ; Rs.23,000/- in case of Gold Cards and Rs.30,000/- or 18 transactions in the previous year for VISA Platinum Card
No additional ATM Charges for cash withdrawals at any of Andhra Bank ATMs.
No finance charges (.i.e free credit period allowed on all fresh purchases)
Low annual subscription from second year onwards.
Free Credit Period of 21 to 50 days even under rollover Option
Free Accidental Insurance Coverage, except on Cards issued against Deposits.
Free Lost Card Insurance Cover.
Free SMS alerts on all purchases, billing amount and reminders for payments, credits received, cards blocked, Renewal Cards sent etc., Free Soft copy of the Monthly Bill to your E-mail ID
Service Charges: @ 2.50% p.m on the unpaid balance, if Minimum Payment due received by due date.
@ 2.95% p.m. in case Minimum payment due is not made by due date. Fees, charges and Terms & Conditions are detailed in MITC (Most Important Terms and Conditions)
Help Desk: The cardholders may contact the Bank for making any enquiries through any of the following means:
Telephone No : 1800 425 4059 ( 24 x 7 ) |
e-mail ID : ccdhelpdesk@andhrabank.co.in |
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| Type of Credit Cards |
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| Type of Cards |
Validity |
Cards |
| 1) VISA Classic |
India & Nepal
Globally Valid |
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| 2)VISA Gold |
Globally Valid |
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| 3) MasterCard |
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| 4)MasterCard Electronic |
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| 5)Visa - Corporate |
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| 6) Platinum Credit Cards |
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| Special features of Platinum Credit Cards: |
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- Free Accident Insurance Coverage up to Rs 10 lacs to the Main cardholder and Rs 5 lacs to the add-on cardholder
- Free Baggage Insurance coverage up to Rs 25,000*
- No Admission Fees
- No Annual Subscription in the First year, and if used for 18 transactions or value of ` 30,000/- in a year in the successive years
- No surcharge on fuel purchases up to Rs 2,000/- per day
- Lowest Service charges at 1.50 % under Roll over facility
- Lowest Cash Advance charges at 2.00%
- A year-end account summary statement with details of activity wise spending pattern as per VISA mandate.
- Concierge Services of Visa International , the worldwide 24x7 customer service would be extended through their Global toll free numbers for assist in travel, Hospitality and emergency assistance.
- All premium card offers made by VISA International are applicable.
* Conditions apply |
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Eligibility Criteria, Terms and conditions: |
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- Cards are issued to customers. To Non customers on selective basis
- Income Eligibility is Rs 5.00 lacs per Annum
For Business class …. 2 years I.T.Returns with computation sheets
For Salaried class …. Form 16 / ITRs with latest Salary slip.
- Cards are also issued against lien on Deposit with 25% margin and the minimum Deposit is Rs 1,00,000/- without insistence of Income Proof & Scoring Model. The annual subscription is at a concessional rate of Rs 400/- per annum for cards issued against Deposits. Documents to be submitted along with application:
- Application for credit card with complete information
- Two Passport size Colour Photographs
- Latest Income Tax Returns/ Form – 16 / Salary Slip
- Proof of address, ID Proof, Pan Copy as per KYC norms
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Features, Terms and Conditions of Platinum Credit Card |
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Details |
AB Platinum |
Eligibility Criteria |
Major, Resident & Non Resident Indian |
Age Limit in years |
21-70 |
Add on cards |
Up to 2 cards-Spouse, children and Parents |
Roll over facility |
5 % |
Validity |
Global |
Cash Advance Limit |
50% |
Fees & Charges |
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Annual subscription |
Rs 1000
Rs 400 for cards against Deposits |
Annual subscription is waived in the first year & not levied if usage in the previous year is |
Rs 30,000 or 18 Transactions in a year |
Add on cards |
Rs 300 |
Service Charges |
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If MPD Paid |
1.50% |
If MPD not Paid |
2.95% |
Late Payment Fees |
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Outstanding up to Rs 5,000 |
Rs 200 |
Between Rs 5001 to Rs 15,000 |
Rs 300 |
Between Rs 15,001 to Rs 25,000 |
Rs 400 |
Above Rs 25,001 |
Rs 600 |
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Andhra Bank, the pioneer in Credit cards is proud to introduce a Premium Credit Card AB VISA Platinum, one of the finest card and a status symbol to strengthen our relationship.
Platinum Credit Card is exclusively designed for affluent to enjoy hosts of benefits offered world over by Visa International like Travel, Hospitality, Golf etc., are
extended to our Cardholders. |
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