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Know about Andhra Bank Credit Cards
 
 
 Salient Features Of Our Credit Card
 
ccards
 

Salient features of our Credit Cards

  • Wide Acceptance at all VISA and Master Card affiliations
  • Cards are issued against a minimum Annual Proven Income of Rs 1.80 lacs
  • Credit Cards are also issued against lien on Deposits, without Income proof
  • Sanctioning of Credit Cards and Card Limit is at the discretion of the Bank
  • 2 Add-on cards to Spouse/Parents/Major Children are available
  • Cash advance facility at 50% on the Card Limit subject to ATM daily cash withdrawal Limit of maximum Two transactions or Rs 20,000/- per day
  • Cash advance charges at 3% of the withdrawn amount. No further interest is chargeable if paid by due date. Failure to pay the dues on due date, regular service charges are applicable.
  • Global acceptance for Visa Platinum, Visa Gold, Visa Corporate, Visa Classic 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 ATM Charges for cash withdrawals at any of Andhra Bank ATMs
  • Nofinance charges (i.e free credit period allowed on all fresh purchases)
  • Lowannual subscription from second year onwards.

  • FreeCredit Period of 21 to 50 days even under rollover Option
  • Free Lost Card Insurance Cover
  • SMS alerts are sent to the Registered Mobile on all purchases, billing amount, credits received, cards blocked, Renewal Cards sent etc.,
  • Soft copy of Monthly Bill is sent to the registered E-mail ID
  • Group Personal Accident Insurance Coverage at a nominal Premium chargeable to the cardholder with effect from 01.11.2012


Click here for details on INSURANCE CONSENT FORM 

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)

 Reward Points- Earn while spending

  • ONE reward point is allotted on every spent of Rs.100/-
  • Conversion price @ Rs.0.50 paisa on every point earned for platinum & signature cards.
  • Conversion price @ Rs.0.50 paisa on every point earned for classic & gold cards.
  • Commencement of Programme: 01 April 2012
  • All successful Card swipes at Merchant locations and usage of Internet, IVR and MOTO transactions are eligible for Reward points.
  • Platinum, Gold and Classic cards issued under VISA and Master card affiliation andMaster card Electronic cards are eligible for reward points.

From Now onwards, your loyalty points will be maintained in our ABLE REWARDS Programme. So regarding maintenance of loyalty points and their redemption, kindly visit our Andhra bank loyalty Engagement website www.ablerewards.com. For any clarification in this regard, you may contact our toll free no 18002004014. 

Click here for Terms and conditions


Help Desk : The cardholders may contact the Bank for making any enquiries through any of the following means :

24x7 Toll free 1800 425 4059 | Phone No: 040 2475 6023/2468 3202/3210/3220

e-mail ID : ccdhelpdesk@andhrabank.co.in
 
 Type of Credit Cards

Type of Cards Validity Cards
1) VISA Classic India & Nepal Globally Valid
2)VISA Gold Globally Valid
3) MasterCard ---do---
4)MasterCard Electronic ---do---
5)Visa - Corporate ---do---  
6) Platinum Credit Cards  
7) Signature Credit Cards  
8) Titanium Credit Cards   
 
 Titanium Credit Cards
 
Eligibility
  • Fixed/Reinvestment Deposit with a minimum amount of Rs. 20,000 and above with maturity period of not less than 1 year.
  • Deposits in the name of Individual and Jointly are also eligible for the card, where the deposit is held jointly, no objection certificate to be obtained from the joint holder
  • The card limit shall be 75 % of the deposit amount.
Card Features 
  • No admission fees 
  • No annual charges on the cards
  • 21-51 days free credit period on all merchant purchases.
  • Card limit : 75 % of the term deposit
  • Cash withdrawn limit : 90 % of the card limit
  • No cash withdrawal charges at Andhra Bank ATM
  • Roll over facility with service charges at 1.5 % per month
  • One reward point on merchant usage of Rs. 100
  • Up to 2 add on cards are issued to spouse, children and parents
  • No fuel surcharge up to Rs. 2000 per day
  • Accident insurance coverage is available up to Rs. 2.00 Lacs on payment of insurance premium payable on each card with Rs. 85 per annum which is the facility at the option of the cardholder.
     Signature Credit Cards:
    Salient features of Signature Credit Cards: 
    • Airport lounge access in selected airports for a nominal fee of US$27.00.
    • Offers & discounts in Travel, Dining, Retail & Entertainment on season to season basis provided by Visa.
    • Chip & PIN protected to provide additional security.
    • Easy utility bill payment facility through Visa Bill Pay.
    • Minimum Card Limit is Rs 2,00,000/-
    • Lost card Insurance coverage up to Rs 1.50 lacs
    • Service charges at 1.50 % under Roll over facility.
    • Cash Advance charges at 2.00%.
    • No surcharge on fuel purchases up to Rs 4,000/- per day
    • No Annual subscription charges from second year onwards if card usage is Rs 2.70 lacs in a year
    • Year-end account summary statement with details of activity wise spending pattern to card holders.
    • Visa provided Concierge Services.
    • Option of Group Personal Accident Insurance Coverage up to Rs 30 lacs to the Main cardholder and Addon card holder, at a nominal Insurance premium, chargeable to the cardholder @1401 per card. 
    Eligibility Criteria, Terms and conditions:
    • Cards are issued to customers. To Non customers on selective basis
    • Income Eligibility is Rs 10.00 lacs & above per Annum
    • Cards are also issued against lien on Fixed Deposit with 25% margin without insisting for Income Proof & Scoring Model. 
    • The features, charges, Terms & Conditions are detailed in Annexure-I
    Documents to be submitted along with application:
    • Application for credit card with complete information 
    • Two Passport size Colour Photographs
    • Scoring model [ to be signed by Branch Manager]
    • 2 Years latest Income Tax Returns OR Form – 16 & Latest Salary Slip 
    • Pan Copy
    • ID Proof as per KYC norms if PAN copy is not submitted
    • Proof of address   
     
     VISA Platinum Credit Cards:

    Andhra Bank, the pioneer in Credit cards is proud to introduce VISA Platinum, the Premium Credit Card, which is one of the finest card and a status symbol to strengthen the relationship of the customers.

    Platinum Credit Card is exclusively designed for affluent to enjoy hosts of benefits offered world over by Visa International on Travel, Hospitality, Golf etc.,
     
    Special features of Platinum Credit Cards :

    • No Admission Fees
    • No Annual Subscription in the First year, and if used for 18 transactions or value of Rs 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 to assist for Travel, Hospitality and on emergency cash assistance etc.,
    • VISA International Merchant offers on Platinum cards are available on these cards also
    • Option of Group Personal Accident Insurance Coverage up to Rs 10 lacs to the Main cardholder and Rs 5 lacs to the add-on cardholder, at a nominal Insurance premium, chargeable to the cardholder, is with effect from 01.11.2012.

      Click here For details on Insurance Premium and

      Click here to download Consent forms

       

     
      Eligibility Criteria, Terms and conditions:
    • Cards are issued to customers. To Non customers on selective basis
    • Income Eligibility is Rs 3.00 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
     
      Reward Points- Earn while spending
    • ONE reward point is allotted on every spent of Rs.100/-
    • Conversion price @ Rs.0.50 paisa on every point earned.
    • Commencement of Programme: 01 April 2012
    • All successful Card swipes at Merchant locations and usage of Internet, IVR and MOTO transactions are eligible for Reward points.
    • Platinum, Gold and Classic cards issued under VISA and Master card affiliation and Master card Electronic cards are eligible for reward points.

       

    Bank shall redeem the Reward points automatically to the cardholder’s account without any request from the cardholder.

    Click here for Terms and conditions

     
      Features, Terms and Conditions of Platinum Credit Card

    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


    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


    If MPD Paid

    1.50%

    If MPD not Paid

    2.95%

    Late Payment Fees


    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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    News & Events

    Click here for Notice of Annual General Meeting and Record Date for Payment of Dividend

    Waiver of processing charges in Housing Loans, Car Loans, Two wheeler loans, Consumer durables, Clean Loans for the festive season from 25.09.2014 to 31.12.2014

    The existing customer grievance redressal mechanism would also cover the complaints relating to outsourcing

    Use your Visa Debit Card for shopping in POS/Online within 3 months of card issuance & get 5% Cash back. Offer applicable to cards issued after December 2013,T&C Apply

    AS A PART OF RISK MITIGATION MEASURE, DEBIT CARDS ISSUED AFTER 30-11-2013 ARE ENABLED FOR DOMESTIC TXNS ONLY. FOR FURTHER DETAILS PLEASE CONTACT OUR BRANCH.

    You can now donate to Shri Saibaba Sansthan Trust, Shirdi through IMPS-Mobile Banking.

    Form 15G/15H has to be submitted afresh at the beginning of each financial year to avail exemption/concession in TDS. Quoting of PAN is mandatory for availing such exemptions/concessions.

    All our Banks cheques are payable at par henceforth. We request all our customers to surrender their old cheque books at their account branch and obtain CTS 2010 Standard Cheque books immediately.

    We request all our customers who have issued postdated cheques for repayment of loan installments for loans availed by them to replace the old PDCs with new CTS 2010 Standard cheques.

    Online Grievance Redressal System with Tracking

    Online Applications for MSME and Retail Loans

    Online Donations to charitable institutions through net banking

    Online resetting of Internet Banking Login Password

    Interbank transfer of Funds through Mobile Banking using IFSC code

    As per RBI mandate, cash retraction facility is discontinued from our ATMs. Do not forget to collect cash before leaving ATM room.

    Any customer of SB/Current Account group could walk in to any branch of the Bank to deposit money in his/her account maintained at any branch and there will be no charges on this for any amount.

    Fictitious Offers of Cheap funds from abroad - Awareness Campaign - List of Nodal Agency (Cyber Crime Cell / Economic Offence Wing)

    Complain to Local Police/Cyber Crime Authorities against Fictitious Offers of Money from Abroad

    PPF and SCSS schemes

    Do Not fall Prey to Fictitious Offers of Funds Transfer

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