ATM
card is a proprietory card of Andhra Bank and can be used on ATMs for
doing transactions on our Bank ATMs and shared banks ATMs. This
cannot be used for purchases at Merchant Establishments
What
is a Debit Card?
A
debit card is a card that has direct access to your Bank account. The
card is just like a money purse in cardholder pocket. Debit card
reduces the risk of carrying cash. The debit card can be used
for purchases at Merchant Establishments.
The
issuance of ATM/Debit cards has been revised since March 2009. The
system of issuing ATM/Debit card with cardholder’s name and
photo has been dispensed with and replaced by non-personalised cards
i.e. cards without name and photo.
A
welcome kit containing a non personalized card with PIN is being
provided across the counter on request immediately after opening of
the account.
2.
Salient features of ATM Card / Debit Card
Salient
features of ATM CARD
The
ATM Cards can be used round-the-clock, all 365 days a year, at any
Andhra Bank ATM, spread across the length & breadth of the
country!
The
card can be used for the following functions on the ATM
Balance
enquiry
PIN
change
Withdrawal
of cash
The
friendly AB Cashier that never sleeps!!
Individual
Cards for Joint Account holders! Freedom
of living!!
Balance
enquiry: Can know the balance of any of the Card-linked accounts, at
any time of the day! Data
on fingertips!!
Mini
Statement of Account: Can get a printout of the last TEN
transactions, of any of the Card-linked accounts, during online
authorization. Reconciliation
made convenient!!
Up
to a maximum of 10 Accounts, spread even across 10 Branches at 10
different towns, which can be operated by the cardholder can be
linked to a single ATM Card and cash can be withdrawn from any of
the linked account! Greatness
of Any-Where-Any-Branch Banking!!
Can
transfer funds from one linked account of the Card to another, of
the same Card, at any time of the day! Convenience
Banking, at its best!!
e-Hundi:
Can make offerings to Sri Vari Hundi account of Tirumala Tirupathi
Devasthanams or Shirdi Saibaba Samsthan, on the very day & time,
considered auspicious by the Cardholder, from the comfort of home
town! Caring
for & respecting individuals faith!! Any time Blessings !!!
TTD
Trust Donations: Can donate to any of the approved TTD Trusts and
get the IT exemptions/other benefits, wherever eligible, directly
from TTD! Helping
the noble causes & contributing for philanthropy to thrive!!
Can
pay for Andhra Bank Credit Card dues, through the ATM Card, at the
time and ATM location of choice, after a simple registration
procedure! The
friendly AB Credit Cards made all the more friendlier!!
We
have joined with National Financial Switch - NFS with a view to
provide sharing facility for ATM operations. Apart from this we are
also having bilateral sharing arrangement with Indian Bank. Thus we
are providing our cardholders access to more than 49,000 ATMs across
the country.
You
can make payment for the tickets booked over phone
from KING FISHER AIRLINES.
Any
VISA card can be used for this. FIRST IN ASIA PACIFIC.
Salient
features on Debit Card
Debit
card issued by our Bank is in association with VISA and governed by
the rules and regulations of Visa. This card has the emblem of VISA
ELECTRON
This
Debit Card is Globally valid and for electronic use only. The Debit
card can be used for drawal of cash through all ATMs and for making
purchases at merchant locations. Debit cards can not be used
on internet (except for booking railway tickets or any other feature
introduced by the Bank in future ), mail order transactions,
transactions at merchant establishments where EDC terminals are not
available.
Has
all the features of Andhra Bank ATM Card! A
worthy sibling!!
Some
of the additional features of debit card :
Global
validity - Can withdraw cash and enquire balance from over EIGHT
LAKH VISA ATMs, spread across 150+ countries, the world over! Money
purse, with currency of choice!!
Can
purchase goods at over TWELVE LAKH Merchant Establishments,
globally, with on-line authorization of transactions!
Please
note that the transactions at merchant establishments will be
debited to the PRIMARY account of the cardholder only. Safeguard
against the risk of carrying cash!!
Using
Debit Card now you can book Rail Tickets through IRCTC Travel
made easy - the Andhra Bank way !!!
3.
Eligibility
Any
individual having rights to operate any of the eligible accounts (Eg:
Savings Bank / Current Account) and fulfilling the other criteria
prescribed by the Bank, from time to time are eligible for applying
for ATM/ Debit Card.
Minors,
illiterates, visually impaired persons, other handicapped persons who
can not operate an ATM and Mandate/Power of attorney holders are not
eligible for issue of ATM/Debit Card.
Accounts
operated jointly with minors as joint depositors, proprietary and
Partnership accounts, Company Accounts, Trust accounts etc are not
eligible.
4.
Fee, Charges / Transaction Fee
There is no
admission fee. The card is valid upto 5 years from the month of
issue. First year the card will be issued free of cost. From second
year onwards there will a nominal amount of Rs.75/- debited to the
A/C.
Fee, Charges/Transaction fee
Category of transactions
Revised
pattern of charging
w.e.f.15.10.2009
Our
ATM, Debit Cardholders' transactions on
our own ATM network
No
transaction fee
Our
ATM, Debit Card holders' transactions on
NFS ATM network / shared ATM Network under bilateral arrangements
and other ATMs on VISA network.
No
charges for balance enquiry & FIVE withdrawal of cash per
month in Savings bank account
Rs.20/-
(inclusive of service tax) per transaction for the transactions
over and above the FIVE free transactions in Savings Bank account
and for every transactions on other Bank ATMs for CURRENT ACCOUNT
A
ceiling of Rs.10,000/- per transaction on cash withdrawals is fixed
for our Bank customers on ATMs of other banks. Banks
under NFS : Please visit www.idrbt.ac.in
Fee
for transactions at merchant establishments are as under :
TRANSACTION
FEE :
Category
of transactions
Pattern
of charging
At
merchant locations
NIL.
Through
Andhra Bank Branches where EDCs are installed
NIL.
Through
other Bank Branches where EDCs are installed
Charges
as levied by VISA will be passed on to the customer
Booking
of railway tickets
2.5%
on the transaction amount
For
purchase of fuel at petrol pumps
2.5%
on the transaction amount subject to a minimum of Rs.10/- per
transaction. (For selected HPCL petrol bunks the above charges
are waived subject to a maximum purchase of Rs.3000/- per day)
5.
Drawal limits
As
a measure of safety per day card limits are fixed as under: For
increasing of limits, Debit cardholders are requested to contact the
branch where they are maintaining the account.
Transaction
Type
Limit
when Branch Host is ONLINE
Limit
when Branch Host is OFF LINE
Maximum
usage per day (Both merchant establishments and ATMs)
Rs.40,000/-
Rs.10,000/-
Of
the above, cash withdrawal per day
Rs.25,000/-
Rs.10000/-
At
the time of transaction , if the branch, where the account is
maintained, is functioning then it is called On line transaction. If
the branch is not functioning then it is called as Off line
transaction.
6.
Maintenance charges on ATM/DEBIT CARDS & Other Transaction
Charges:
ATM/DEBIT CARDS annual maintenance charges Rs.75/- on all ATM/Debit
Cards as Annual Maintenance fees at the start of 2nd year.
Using
the card abroad
The
usage of debit card abroad is governed by the extant exchange
control regulations of RBI
The
transactions will be routed depending on the functionality of the
particular ATM/POS machine as per the practice in some of the
countries. You may have to enquire with the merchant about the
usage.
For
a comprehensive list of all VISA ATMs please visit the VISA website
www.visa.com
7.DOs and DONTs
DO'S
DONT'S
·
Please change the PIN number as and when received by you first
time.
·
Never choose a pin number corresponding to your birth date,
vehicle number.
·
Memorize you PIN.
·
Do not write pin number on the card.
·
Whenever card is used at merchant location , please ensure to
swipe the card in your presence.
·
Do not leave the card lying around the house or on your desk at
work.
·
Upon loss of card intimate immediately to the Branch where
account is maintained and to the toll free number 1800 425 2910.
·
Never give the card to a third party for ATM operations.
·
Obtain and preserve chargeslip copies from the merchants for
purchase and cancellation of transactions and reconcile the same
through your account.
·
Do not keep card and pin number together.
·
Preserve the customer receipts of ATM transactions and reconcile
your account.
·
Do not part with Pin number to any body at any time.
8.
Guidelines for ATM operation
Andhra
Bank ATMs accept Andhra Bank ATM Card, Debit Card and Credit
Cards.Besides, any VISA & Master Cards as well as Cards
belonging to Banks with whom ATM Network Sharing arrangement is in
place are also accepted.
To
operate at ATM, one should have a valid Card and PIN (Personal
Identification Number)
Insert
the Card at the ATM in the slot meant for the same, correctly. (The
face of the Card should be upside; the left side of the Card - i.e.,
the side where the number starts - should be inserted)
Enter
the correct PIN. If using for the first time, enter the PIN provided
in the PIN Mailer
Enter
the type of transaction
Choose
the type of account
If
withdrawing money, enter the amount of cash to be withdrawn
If
more than one account under the same type were linked to the Card,
choose the account from which you want to withdraw, by typing the
serial number as displayed on the monitor, like, 1 or 2 or 3. (This
facility is currently available for only Andhra Bank ATM & Debit
Cardholders)
If
transferring funds from one linked account to another, choose the
account from which you want to transfer, like, 1 or 2 or 3 and
choose the account to which the amount has to be credited, besides
entering the amount to be transferred.
For
Balance Enquiry, if more than one account were linked to the Card,
under the same account type, then choose the account serial number
as displayed on the monitor
While
donating through e-Hundi, select the account type, account serial
and enter carefully the amount to be transferred (once transferred
to e-Hundi, the amount cannot be reclaimed)
While
donating to Trusts, select the Trust to which you want to donate.
For the facilities eligible for such donations, contact the Trust
directly, with the particulars of donations
For
e-Seva transactions, select the type of utility for which you have
registered and make payment according to the regulations of the
service provider
For
Utility Services payment, if you have registered for more than one
service, select the one for which you want to make payment and
effect payment according to the regulations of the service provider
Additional
information
All
the ATMs of Andhra Bank are networked and hence, the Bank’s
Cardholders can avail of the service at any ATM of choice &
convenience.
ATM/Debit
cards are issued with a validity period of FIVE years. Cardholder can
approach the branch before expiry of the card and obtain renewal card
in case of debit card.
Any
individual, holding Savings or Current group of account and having
rights to operate the account in his/her individual capacity, is
eligible for ATM or Debit Card.
An
individual can have either an ATM Card or a Debit Card; but, not
both. An existing ATM Cardholder can request for Debit Card, at the
time of renewal or even, in lieu of the ATM Card, by surrendering the
same.
Additional
account of the Cardholder, at any of the Switch-linked Branches, can
be linked to the Card; the Cardholder should have the right to
operate such account in his/her individual capacity. It is a facility
of immense value. For example, a busy professional, working at
Chandigarh, has a joint account with his wife, at Chandigarh and his
family is at Pondicherry; the moment the salary is credited, his wife
can withdraw from Pondicherry! He can be rest assured that the Bank
takes care of his family’s financial requirements.
Five
accounts each under Savings and Current account types can be linked
to a Card, thus allowing linking of a maximum of 10 accounts, across
a maximum of 10 different Branches. The Cardholder has the choice of
operating any of the linked accounts. Besides, funds can be
transferred from one Card-lined account to another, of the same Card.
This is a feature of unparalleled convenience. For example, a father
in Delhi can transfer funds to the joint account held along with his
daughter, studying in Trivandrum, just in a few seconds! Similarly, a
son working in Mumbai can remit money to his Mother, in a matter of
seconds!!
Andhra
Bank VISA Electron International Debit Card is a great boon for
persons who want to spend within their means and also for others who
are either not able to obtain or are not eligible for Credit Cards.
It features the convenience offered by Credit Cards - withdrawing
cash from any VISA ATM/Balance Enquiry/Payment for and enables the
Cardholder to organize spending.
Donations
to e-Hundi or TTD Trusts cannot be reversed. No need of registration.
Any Andhra Bank ATM/Debit Cardholders can effect the donations, at
Andhra Bank ATMs.
The
Credit Cardholders of Andhra Bank can pay the dues through Andhra
Bank ATM or Debit Card, at the ATM. Registration for the service has
to be done at the ATM/Debit Card-issue Branch.
Payments
made to e-Seva Water & Electricity bills are accounted directly
by the Department Servers, as on the date of transactions. Amount
paid cannot be reversed. Registration for the service has to be done
at the ATM/Debit Card-issue Branch.
Any
Service Provider - Telephones/Cell Service providers/Electricity
Boards/ Municipalities/Educational institutions/etc. - can register
with Andhra Bank, for payment of their dues, by their consumers,
through Andhra Bank ATMs. The ATM/Debit Cardholders can register for
paying the bills of such service providers. The Bill will be
presented on the ATM, when the Cardholder wanted to pay for it and
based on the instructions of the Service Provider, either partial
payment or excess payment or only full payment will be allowed.
For
Debit Card transactions on other VISA ATMs, charges shall be
according to VISA regulations.
Charges
for transacting at the shared ATM shall be according to the
agreements with the partner Banks and Bank’s own policies, from
time-to-time.
Further
details/clarifications can be had from the nearby Andhra Bank Branch.
ANDHRA
BANK ATM -BANKING, REDEFINED! ANDHRA BANK ATM - CONVENIENCE,
UNPARALLELED!! ANDHRA BANK ATM - INNOVATIONS, TO BENEFIT!!!
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