Andhra Bank Credit Cards

Top Picks

Best ForCard Name
FuelNo specific card for fuel.
TravelAndhra Bank VISA Signature Credit Card
FamilyAndhra Bank RuPay Select Card
PremiumNo specific premium card.
Frequent SpendersNo specific card for frequent spenders.

Best Andhra Bank Credit Card for Travel

Andhra Bank VISA Signature Card

Benefits

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.

Drawbacks

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%.

Bottom Line

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.

Best Andhra Bank Credit Card for Family

Andhra Bank RuPay Select Card

Benefits

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.

Drawbacks

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.

Bottom Line

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.

View Other Andhra Bank Credit Cards

Andhra Bank VISA Platinum Credit Card

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.

Andhra Bank VISA Classic Credit Card

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%.

Andhra Bank RuPay Platinum Credit Card

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.

Eligibility Criteria

  • Applicant must have a minimum annual income of Rs. 1.80 Lacs to own an Andhra Bank Credit Card.
  • Age of the primary cardholder should be between 21 years to 70 years.
  • Age of the add-on cardholder should be at least 18 years.

Documentation

For Salaried:

  • Salary Slip / Certificates
  • Form 16 / 2 Years ITRs with latest Salary slip.
  • KYC Documents
  • 2 Passport Size Photographs

For Self-Employed:

  • 2 years I.T.Returns with computation sheets
  • KYC Documents
  • 2 Passport Size Photographs

Andhra Bank Credit Card Offers

Andhra Bank Credit Card Reward Points – Earn & Burn

SpendsVISA Signature CardVISA Platinum CardVISA Classic CardRuPay Platinum CardRuPay Select Card
Dining5 Points for every Rs. 1505 Points for every Rs. 1503 Points for every Rs.15010 Points for every Rs.15010 Points for every Rs.150
Departmental Stores5 Points for every Rs. 1505 Points for every Rs. 1503 Points for every Rs.15010 Points for every Rs.15010 Points for every Rs.150
Grocery Stores5 Points for every Rs. 1505 Points for every Rs. 1503 Points for every Rs.15010 Points for every Rs.15010 Points for every Rs.150
Travel5 Points for every Rs. 1505 Points for every Rs. 1503 Points for every Rs.15010 Points for every Rs.15010 Points for every Rs.150
Entertainment5 Points for every Rs. 1505 Points for every Rs. 1503 Points for every Rs.15010 Points for every Rs.15010 Points for every Rs.150
Utility Bill Payment5 Points for every Rs. 1505 Points for every Rs. 1503 Points for every Rs.15010 Points for every Rs.15010 Points for every Rs.150
FuelNilNilNilNilNil
Online Shopping5 Points for every Rs. 1505 Points for every Rs. 1503 Points for every Rs.15010 Points for every Rs.15010 Points for every Rs.150
Partners5 Points for every Rs. 1505 Points for every Rs. 1503 Points for every Rs.15010 Points for every Rs.15010 Points for every Rs.150
International5 Points for every Rs. 1505 Points for every Rs. 1503 Points for every Rs.15010 Points for every Rs.15010 Points for every Rs.150

Andhra Bank Credit Card Bill Payment

Pay Andhra Bank Credit Card Bill through Billdesk

  • Click here to visit the Billdesk page of Andhra Bank Credit Card.
  • Enter the card information and the payment amount.
  • Select your bank from the list and confirm all the details.
  • Click on “Pay” and you’ll be redirected to the login page of your chosen bank’s netbanking page.
  • Login to the net banking and confirm the payment.
  • Receive the confirmation.

Pay Andhra Bank Credit Card Bill through NEFT

  • Login your other bank’s net banking account and go to Fund Transfer option.
  • Choose “NEFT Fund Transfer” as your payment method and add your Andhra Bank Credit Card as payee. To add your card as payee, use the following details.
    • Beneficiary Bank  – Andhra Bank 
    • Beneficiary’s Account Number –  XXXXXXXXXXXXXXXX
    • IFSC Code of the Beneficiary Bank Branch – ANDB0000782
    • Your 16 digit Credit Card number – XXXXXXXXXXXXXXXX
    • Payable Amount – XXXX
  • Go back to the NEFT payment method and choose your credit card from the beneficiary list.
  • Enter the amount and confirm the payment.
  • Receive the confirmation on your screen.

Pay Andhra Bank Credit Card Bill through RTGS

  • Login your other bank’s net banking account and go to Fund Transfer option.
  • Choose “RTGS Fund Transfer” as your payment method and add your Andhra Bank Credit Card as payee. To add your card as payee for RTGS Fund Transfer, use the following details.
    • Mobile number – XXXXXXXXXX
    • Email address – xyz@abc.com
    • IFSC code – ANDB0000205
    • Bank Name – Andhra Bank
    • Account Number – XXXXXXXXXXXXXXX
    • Your 16-digit Andhra Bank credit card number
  • Go back to the RTGS Fund Transfer method and choose your credit card from the beneficiary list.
  • Enter the amount and confirm the payment.
  • Receive the confirmation on your screen.

Pay Andhra Bank Credit Card Bill through Cash at Andhra Branch

  • Go to your nearest Andhra Bank branch.
  • fill cash deposit slip by mentioning your 16 digit credit card number, amount to be paid and other necessary details.
  • Sign the deposit slip and mention your phone number at the back of slip.
  • After filling cash deposit slips, deposit the cash at the cash deposit counter.
  • Collect the receipt as evidence of the successful payment.

Pay Andhra Bank Credit Card Bill through Cheque/Draft

  • Write a cheque/draft in favour of your Andhra Bank Credit Card.
  • Mention the bill amount, sign the cheque and write your phone number at the back of the cheque/draft.
  • Drop the cheque into the dropbox available at your nearest Andhra Bank Branch or ATM.

Pay Credit Card Bill through Andhra Bank Debit Card at Andhra Bank ATMs

  • Visit your nearest Andhra Bank ATM and insert your andhra bank debit card in the ATM machine.
  • Choose your preferred language.
  • Select “Bill Payment” option.
  • Enter your Andhra Bank Credit Card number in place of recipient Account Number and enter the amount.
  • Confirm the payment by entering your debit card pin and collect the receipt.

Andhra Bank Credit Cards – Fees & Charges

VISA Signature CardVISA Platinum CardVISA Classic CardRuPay Platinum CardRuPay Select Card
Finance Charges3% per month3% per month3% per month2% per month2.95% per month if MAD is not paid by Due Date2% per month2.95% per month if MAD is not paid by Due Date
Cash advance fee3% of the withdrawal amountMin Rs. 1503% of the withdrawal amountMin Rs. 1503% of the withdrawal amountMin Rs. 1503% of the withdrawal amountMin Rs. 1503% of the withdrawal amountMin Rs. 150
Annual feeRs.2,000Rs.1,000Rs.550Rs.299Rs.499

Other Charges

ChargeAmount
Add-on Card FeeRs. 1,000 for VISA SignatureRs. 300 for VISA PlatinumRs. 200 for VISA ClassicRs. 199 for RuPay PlatinumRs.299 for RuPay Select
Foreign transaction fee3% on international transaction in INR
Late FeeRs. 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 Payment5% of the total bill amount
Over-limit fee
Returned payment fee
Card Replacement ChargesRs. 500 on VISA SignatureFor VISA Signature Card
Rs. 200For Other Credit Cards
EMI Conversion Charges
Balance Transfer Charges

How To Apply for Andhra Bank Credit Card?

  • Select an Andhra Bank Credit Card as per your preferences from above.
  • Click on “Apply Now” and fill the Online Application Form. You’ll be asked to provide some personal details such as your Address, Contact, Income, Employer Details, Educational Qualifications.
  • Once the application form is submitted successfully, you will receive a confirmation from Andhra Bank.

Note: If your application was rejected, you would be able to apply after 3 months of your previous application.

FAQs

How do I contact Andhra Bank Customer Care?

You can contact Andhra Bank Customer Care at their toll-free number 1800-425-1515.

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