Get optional insurance cover of Rs. 10 Lacs for primary cardholder and Rs. 5 Lacs for add-on cardholders.
Get optional insurance cover of Rs. 30 Lacs for primary and add-on cardholders, each.
The card comes free of cost and offers reward value of Rs. 1 on each eligible transaction. Moreover, you can get your card free as well for the next year if you spend Rs.4,170 or above each month. Apart from it, you get annual fuel benefit of Rs. 6,000 along with personal accidental insurance protection plan.
You don’t get any welcome benefit on the card. Moreover, the APR increases from 24% to 35.4% if you don’t pay minimum payment each month.
The card returns pretty good reward value against the annual fee of Rs. 499, which can be waived off easily. Though, if you are bad at maintaining your credit and finance then it could be a bad choice for you.
The card offers reward value of Rs. 0.50 against each transaction of Rs.150, along with travel benefits like complimentary access to VISA airport lounges. Moreover, you earn surcharges waiver on fuel transactions, subject to maximum expense of Rs. 4,000 on fuel each day.
The card comes with Rs. 1,000 but doesn’t offer any welcome benefit against it. Moreover, it comes with high income criteria of Rs. 10 Lacs per annum and Annual Percentage Rate of 30%.
The card is average on benefits and reward value except the complimentary VISA airport lounge access which is only beneficial for you frequent travel. The high income criteria and APR makes it heavy on your pocket.
The card comes with zero joining fee and offers reward value of Rs. 0.50 on each eligible transaction. Moreover, you get surcharge waiver on fuel transactions equal to maximum Rs. 2,000 each day. Apart from it, you can avail easy annual fee waiver just by spending Rs. 2500 each month.
Though, the card comes with high income criteria of Rs. 5 Lacs per annum and 36% APR.
The card offers reward value of Rs. 0.30 on each eligible transaction and fuel surcharge waiver against fuel transactions equal to Rs. 2,000 each day. Moreover, you get the card free of cost for the first year and can maintain it without paying any annual charges for the next year just by spending Rs. 1,500 or above each month on the card. However, you can only avail this credit card if your annual income is equal to or above Rs. 3 Lacs and a high APR of 36%.
The card offers reward value of Rs. 1 against each eligible transaction along with annual fuel benefit of Rs. 3000. Along with it comes complimentary personal accidental insurance cover. You start the journey with zero annual fee which can easily maintain it free of cost for the upcoming membership years by spending Rs. 2500 each month on the card.
You can own the card only if you have monthly income of Rs. 15,000 or above.
|Age||21 to 70 Years
For Primary Cardholder
Minimum 1 Years
For Add-on Cardholder
|Income||Rs. 1.80 Lacs per annum|
Andhra Bank offers both online as well as offline methods to its credit cardholders to pay their andhra bank credit card bills on time. Check below to learn about how to make the payment of your andhra bank credit cards.
|Add-on Card Fee||Rs. 1,000 for VISA Signature
Rs. 300 for VISA Platinum
Rs. 200 for VISA Classic
Rs. 199 for RuPay Platinum
Rs.299 for RuPay Select
|Foreign transaction fee||3% of the transaction amount in Indian Rupee|
|Late Fee||Rs. 200 if minimum due amount is upto Rs. 5,000.
Rs. 300 if minimum due amount is between Rs. 5,001 to Rs. 15,000.
Rs. 400 if minimum due amount is between Rs. 15,001 to Rs. 25,000.
Rs. 600 if minimum due amount is above Rs. 25,000.
|Minimum Payment||5% of the outstanding amount.|
|Card Replacement Charges||Rs. 500.
For VISA Signature Card
For Other Cards
Note: If your application was rejected, you would be able to apply after 3 months of your previous application.
You can contact Andhra Bank Customer Care at their toll-free number 1800-425-1515.