Andhra Bank

Debit Cards

4. Fee, Charges / Transaction Fee

There is no admission fee. The card is valid up to 10 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.125/- (plus GST) debited to the A/C towards maintenance charges.

Fee, Charges/Transaction fee Category of transactions	Revised pattern of charging
Our ATM, Debit Cardholders' transactions on our own ATM network	Ten transactions per month are allowed free in all locations of our ATMs (inclusive of metro and non metro besides eligible free transactions in other Bank ATMs. Beyond ten charges Rs. 20 + applicable GST will be levied for each transaction.
Our ATM, Debit Card holders' transactions on NFS ATM network / shared ATM Network under bilateral arrangements and other ATMs on VISA network.	The number of mandatory free ATM transactions for Savings Bank account customers at other banks’ ATM is three per month ( inclusive of both financial and non financial transactions) for transactions done at the ATMS located in the six metro centers, Viz, Mumbai, New Delhi, Chennai, Kolkata, Bangalore and Hyderabad. Beyond three transactions an amount of Rs. 20/- + GST will be levied per transaction. At other locations i.e. other than the six metro centers mentioned above, five transactions per month (inclusive of both financial and Non financial transactions). No charges will be levied for ATM transactions done by small/no frills/Basic Savings bank account holders. Beyond five transactions an amount of Rs. 20/- + GST will be levied per transaction.
Customers maintaining average quarterly balance of Rs. 25,000/- and less than Rs. 50,000/-	Un limited transactions in our Bank ATMs besides eligible free transactions in other Bank ATMs
Customrs maintaining average quarterly balance of Rs. 50,000/- and above	Un limited transactions in all ATMs(our Bank ATMs and other Bank ATMs across the country)

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.npci.org.in

Fee for transactions at merchant establishments are as under :

TRANSACTION FEE :

Category of transactions	Pattern of charging
Through Andhra Bank EDCs	NIL.
Through other Bank EDCs	Charges as levied by VISA will be passed on to the customer
Booking of railway tickets	In addition to IRCTC charges, 2.5 % on the transaction amount subject to a minimum of Rs.10/- per transaction + applicable GST.
For purchase of fuel at petrol pumps	2.5% on the transaction amount subject to a minimum of Rs.10/- per transaction.

5. Drawal limits

Card type	Cash Limits	POS terminals limits
VISA Debit cards/Rupay Debit cards (Both Chip and Non chip)	Rs. 25,000/-	Rs. 50,000/-
VISA Platinum/Rupay Platinum Chip Debit Cards	Rs. 50,000/-	Rs. 1,00,000/-
ATM Cards	Rs. Rs. 25,000/-	NIL

6. Maintenance charges on ATM/DEBIT CARDS & Other Transaction Charges:

ATM/DEBIT CARDS annual maintenance charges Rs.125/- plus GST 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

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