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About Andhra Bank

Andhra Bank was founded by Shri Bhogaraju Pattabhi Sitaramayya in the year 1923 and started commercial operations on November 28, 1923. In 1964 the Bank merged with Bharat Laxmi Bank and made its roots firm in Andhra Pradesh. It has a network of 2885 branches and 3798 ATMs across the country. In the year 2011-12, the Bank had its branches in Tripura and Himachal Pradesh. The bank has been awarded the Best Bank Award in the year 2006 by IDBRT, Hyderabad for extensive use of technology in semi-urban and rural areas.

Andhra Bank offers various Corp ate and Retail banking facilities and they also various types of credit cards. The Andhra Bank Card devised with the unified chip technology enhances the security feature and protects the card from skimming. The benefits and offers on the card are unmatched.

Types of Andhra Bank Credit Card

The following are the different types of Andhra Bank Credit Card.

  • Visa Classic Credit Card
  • Visa Gold Credit Card
  • Visa-Corporate Credit Card
  • Visa Platinum Cards
  • Visa Signature Credit Cards
  • Master Card Credit Card
  • Mastercard Electronic Credit Card
  • Rupay Platinum Credit Card
  • Rupay Select Credit Card

Additional Info: Also check Andhra Bank Balance Enquiry Toll-Free Number

Features and Benefits of Andhra Bank Credit Card

The following are the salient features of Andhra Bank Credit Card.

  • The card is accepted across the globe,
  • 50% of the credit limit is available as a cash advance.
  • Add-on card facility is available.
  • The fees for issuing the card are minimal.
  • No annual fee is charged. Subsequent annual charges are also waived on stipulated annual spends which is different for each card.
  • Interest-free period for the purchases on the card from 21 to 50 days.
  • Insurance cover for the transactions on lost/stolen card is available.
  • E-statement facility is available.
  • SMS facility for real-time updates like transactions and available balance on the card are provided.
  • Reward points are given for all purchased made on the card.
  • Special offers for lifestyle spends like dining, travel, and movie ticket booking is available in India and across the world.
  • Waiver of fuel surcharge at all petrol pumps across the globe.
  • A facility to convert high-value purchases on the card to EMI which can be paid in easy instalments.
  • Personal accident coverage available for a nominal premium.
  • Dedicated concierge services for all bookings are available.

Detailed features of Andhra Bank Credit Cards

The detailed features of Andhra Bank Credit Cards are as mentioned in the table below:

Name of the CardFeatures
Visa Classic Credit Card
  • Interest-free period from 21 to 50 days.
  • Fuel surcharge waiver up to 2000/- per day at all fuel stations across the country is available.
  • Group Accident Insurance cover option up to 2.00 lakhs for both the primary cardholder and the add-on card holder for a nominal premium is available.
  • Accepted by around 9 lakh merchants in India and 29 million merchants abroad.
  • Lost card liability cover up to 1.50 lakhs for transactions after reporting the loss is available.
  • Add-on card facility is available.
  • Exclusive offers for shopping, dining, travel, car rentals etc. are available
  • Visa Classic cards will also be issued against Fixed Deposit up to 75% of the Fixed Deposit amount without insisting for income proof or credit score.
Visa Gold Credit Card
  • The card is accepted worldwide.
  • Personal accident insurance cover is available at a nominal premium.
  • Lost card liability insurance is available.
  • No cash withdrawal charges at Andhra Bank ATMs.
  • Interest-free period is available for roll-over facility also.
Visa Corporate Credit Card
  • A card specifically catering to the requirement of corporate customers.
  • Only corporate customers over a net worth of 25.00 lakhs qualify for this card.
  • A consolidated statement is provided yearly with details of the spending pattern.
  • The card is globally accepted.
Visa Platinum Credit Card
  • Personal accident insurance cover option up to 10.00 lacs for the primary cardholder and 5.00 lakhs for the add-on card holder is available for a nominal premium.
  • Lost card liability up to 1.50 lakhs for transactions after the report of the loss.
  • Interest-free period from 21 days to 50 days is available
  • Fuel surcharge waiver up to 2000/- a day is available.
  • The card is widely accepted in India and around the globe.
  • Add-on card facility is available.
  • A wide range of offers for shopping, dining, travel, entertainment etc.
Visa Signature Credit Card
  • Personal accident insurance cover up to 30.00 lakhs for both primary and add-on cardholder at a nominal premium.
  • Interest-free period from 21 days to 50 days.
  • Lost card liability insurance up to 1.50 lakhs.
  • Dedicated concierge services for all bookings and emergency assistance.
  • The card is accepted widely in India and across the globe.
  • An array of offers on dining, travel, movie tickets and restaurants.
  • Fuel surcharge waiver up to 4000/- a day at all fuel stations across the country.
  • Domestic airport lounge access is available.
Mastercard Credit Card
  • An interest-free period of 21 days to 50 days is available for rollover facility also.
  • Personal accident cover is available at a nominal premium.
  • Lost card liability insurance cover is also available.
  • Nil ATM cash withdrawal charges at Andhra Bank ATMs.
Mastercard Electronic Credit Card
  • The card is issued against Fixed Deposit and the minimum fixed deposit amount is 10,000/-.
  • An interest-free period is available for rollover facility also.
  • Personal accident insurance cover at a nominal premium is available.
Rupay Platinum Credit Card
  • Personal accident insurance cover up to RS. 2.00 lakhs for both primary and add-on card holder at a nominal premium.
  • Interest-free period from 21 days to 50 days is available.
  • Lost card insurance cover up to 1.50 lakhs for transaction done after the loss is reported.
  • Fuel surcharge waiver up to 2000/- per day is available.
  • Round-the-clock concierge service is available for all bookings and emergency assistance.
  • Exclusive offers at eateries, for shopping, travel, entertainment etc., are available.
Rupay Select Credit Card
  • Lost card insurance cover up to 1.50 lakhs for transaction done after the loss is reported
  • Personal accident insurance cover up to 10.00 lakhs for both primary and add-on card holder at a nominal premium.
  • Interest-free period from 21 days to 50 days.
  • Fuel surcharge waiver up to 4000/- per day is available.
  • Round-the-clock concierge service is available for all bookings and emergency assistance.
  • Exclusive offers at eateries, for shopping, travel, entertainment etc., are available

Andhra Bank Credit Card Rewards Details

The rewards on the Andhra Bank Credit Card are as detailed in the table below:

Name of the CardRewards
Visa Classic Credit Card3 reward points for every 150/- spend on the card for all purchases.
Visa Gold Credit CardExclusive reward points for spends on all purchases.
Visa Corporate Credit CardExclusive reward points and offers for spends on this card.
Visa Platinum Credit Card5 reward points for every 150/- spend on the card for all purchases.
Visa Signature Credit Card

5 reward points for every 150/- spend on the

card for all purchases

Mastercard Credit CardExclusive rewards and offers for spends on all purchases.
Mastercard Electronic Credit CardExclusive rewards and offers are available for spends on all purchases.
Rupay Platinum Credit Card10 reward points for every 150/- spend on the card for all purchases
Rupay Select Credit Card 

Details of Exclusive offers for Visa and Rupay Credit Cards

There are exclusive offers for both Visa and Rupay Credit Cards the details of which are as mentioned below:

Category of the CardOffers
Visa Card

Restaurant offers:

  • Get up to 15% discount at :
  • 150 top restaurants in London at Teabox
  • 19 top restaurants in Kaulalampur
  • 20 restaurants in Dubai
  • 16 top restaurants in Singapore
  • 22 top restaurants in Hongkong
  • 21 restaurants in Bangkok
  • Get unmatched discounts at Taj Experiences
  • Get a discount up to 40% and complimentary breakfast at Cinnamon Hotels

Eat-out offers

  • Get a 10% discount on total bill at GoGourmet
  • Get 15% discount on total bill at Cookie Man
  • Get 10% off on total bill at Baskin Robins
  • Get 100/- discount at Eazy Diner
  • On renewal of Gourmet Passport Membership you can get 3 months membership free and 40% discount on dine out.
  • Get up to 100/- discount on your first order at Foodpanda
  • Get 20% discount on your first order at Zomato.

Wellness and fitness offers

  • Get up to 15% discount at Apollo Pharmacy
  • Get an additional 1000/- off at Gold?s Gym
  • 3 days free gym trial and 30% discount at Talwarkars
  • Get up to 70% discount at SRL Labs
  • 15% discount Texas Medical Concierge
  • Cult-fit offers a 7- day complimentary pack for Visa Cardholders
  • Get up to 63% discount at Thryocare

Shopping offers

  • Get 100/- off on purchases above 3000/- at Croma
  • Get 500/- off for purchases at Wills Lifestyle stores
  • Get a discount of 20% on gold making charges and 3000/- discount on diamond jewellery at Joyallukas
  • 10% discount at Tribe Amarpali.
  • Get 1000/- discount at Lenskart
  • Get a discount of 20% on Zoomcar.
  • Get 15% discount on Urban Clap.
  • Get 10% discount at Jabong.
  • Get up to 20% discount on Scootsy.
  • Get 500/- discount at Jaypore.
  • Get up to 300/- Dunzo cash at Dunzo.
  • Avail 10% cashback on Amazon.
  • Get 1000/- discount at Crocs.
  • Get up to 2000/- discount at Furlenco.
  • Get 20% discount on a minimum spend of 800/- at Big Basket.
  • Get 11% discount on a purchase of above 1500/- at Shopclues.
  • Get an additional 5% discount on Elitify,
  • An additional discount of 10% on Skybags.
  • Get 500/- discount at Myntra.
  • Get 70% discount on Gaana Subscription.
  • Get 600/- discount at Firstcry
  • Avail exclusive offers at Pepperfry.

Travel and Entertainment

  • Get a cash back up to 1000/- at Cleartrip
  • Get up to 10,000/- discount on flight bookings at Yatra
  • Get up to 50% discount on tickets and up to 200/- discount on food combos at Bookmyshow.

There are many more apart from the ones mentioned above. There are exclusive offers at over 150 merchant establishments.

Rupay Card

Travel and Entertainment offers:

  • Flat 10% discount up to 7500/- on international flight booking to UK, Europe and South East Asia at MakeMyTrip. The minimum transaction to avail this offer is RS. 10,000/-.
  • A discount of 6% up to 4000/-for a minimum booking of 25000/- for international flights at Yatra.
  • 7% discount up to 1500/-for a minimum transaction of 2000/- for domestic flights at Yatra<
  • 25% discount up to 2000/- for a minimum transaction of 2000/-for domestic hotel bookings at Yatra
  • 15% discount up to 125/- for bus ticket bookings at Yatra
  • Avail 20% discount on flight and hotel bookings at Cleartrip.
  • 6000/- discount on international holiday packages and 5000/- discount on domestic holiday packages at Thomascook

Restaurant and Hotel offers:

  • 50% discount on transactions at any restaurant in the UK. You should look for Rupay Logos at the outlets.
  • A discount of 50% plus 50% cashback for bookings at OYO.

Shopping offers:

  • 20% cashback with a maximum of 2500/- for transactions at any merchant establishment except restaurant.
  • 300/- on a purchase of 999/- at Myntra
  • Cashback of 100/- for minimum purchase of 1000/- on Grofers.

Online food orders:

  • 50% discount up to 100/- for the first 5 orders on Swiggy.
  • Avail a discount of 50% up to 125/- at Fasoos
  • Avail a discount of 100/- for an order worth 275/- at Foodpanda.
  • 15% discount for a minimum transaction of 300/- at Pizaroma

Dining offers

  • Avail 100/- discount for a spend of 450/- at Eazy Diner
  • Avail 15% discount on Food and Beverages at Kailash Parbat.
  • Avail 15% discount on Food and Beverages at Via Milano, Bangalore.
  • Avail 15% discount on Food and Beverages at The Ashok.

The above are just a few offers mentioned. There are about 150 plus offers for both Visa and Rupay Cards at various Merchant Establishments.

Andhra Bank Credit Card Fee Details

The details of Andhra Credit Card Fee Details are as mentioned below.

Name of the CardJoining FeeAnnual Fee
Visa Classic Credit CardNil

500/- for a regular card and 400/- for a card against fixed deposit.

(the fee will be waived if there is an annual spend of 18000/- in the previous year)

Visa Gold Credit CardNilThe Annual fee is waived for an annual spend of 23000/- in the previous year.
Visa Corporate Credit CardNilNil
Visa Platinum Credit CardNil

1000/- for the main card

400/- for the card against the fixed deposit

(the fee will be waived if there is an annual spend of 30000/- and above on the card in the previous year)

Add-on card: 300/-

Visa Signature Credit Card1000/-

2000/- for the main card.

1000/- for the card against fixed deposit.

1000/- for add-on card.

Mastercard Credit CardNilThe annual charges will be waived for a minimum spend of 18000/- in the previous year.
Mastercard Electronic Credit CardNil

200/- for the main card

150/- for the add-on card

(waived for an annual spend of 18000/- in the previous year)

Rupay Platinum Credit CardNil

299/- for the main card.

199/- for add-on card.

Nil for the card against fixed deposit.

(charges will be waived for a spend above 30000/- in the previous year)

Rupay Select Credit CardNil

499/- for the main card.

299/- for the add-on card.

Nil for the card against fixed deposit.

(waived for annual spends of 50,000/- and above in the previous year)

Andhra Bank Credit Card Charges Details

The details of the charges for Andhra Bank Credit Card are as given below.

Name of the chargeAmount
Lost card chargesUp to 300/-
Lost card replacement charges200/-
Charge slip request charges100/-
Railways surcharge2.5%
Foreign currency mark-up chargesUp to 3.5%
Card hotlisting charges200/-
Cash withdrawal charges through Andhra Bank ATMs2.5% of the amount withdrawn or 150/- whichever is higher
Service charges on revolving credit if paid within the due date2.5% p.m.
Service charges on revolving credit if not paid within the due date2.95% p.m.
Late Fee
  • If the outstanding balance is up to 5000/-: 200/-
  • If the outstanding balance is 5001/- to 15000/- 300/-
  • If the outstanding balance is 15001 to 25000/-: 400/-
  • If the outstanding balance is above 25001: 600

How to Apply for Andhra Bank Credit Card?

Steps to Apply for the Card Through Banks's Website Steps to apply for the Card through Bank's Website

Steps to be followed by existing customers

  • Go to the Credit Card page on the official website of Andhra Bank
  • Provide your net banking customer ID and mobile number
  • You can directly apply for the credit card online.

New Customers should follow the following steps to apply for the Credit Card.

  • Visit the official website of Andhra Bank
  • Go to the Credit Cards Page and provide your contact details and personal details.
  • Details of the list of cards will appear. Choose the card as per your requirement. If the financial details satisfy the requirement of the bank for that particular card you can proceed to apply for the card.
  • On verification, a representative from the bank will approach you and guide you through the process.
  • You will have to submit the documents relating to address proof, Photo ID proof and Income Proof for checking the eligibility criteria and issuing the card.

Steps to apply for the Credit Card through MyMoneyMantra

You should make use of the digital platform provided by MyMoneyMantra for applying for the card.

  • To begin with visit the MyMoneyMantra website.
  • Log in and choose the credit card menu. Select the card you intend to apply for and submit.
  • Fill in all the relevant information required for applying for the credit card.
  • Once the filling of the application is complete and the process initiated you will get assistance from MyMoneyMantra representative to go through the process from documentation till the approval of the card.
  • On approval, the card will be dispatched to your address. Card and the pin will be despatched separately

Steps to Apply for the Card offline

To apply for the card offline, you have to visit the nearest Yes Bank branches and apply for the credit card by submitting the relevant documents.

Eligibility Criteria for Andhra Bank Credit Card

The applicant has to comply with the following eligibility criteria to qualify for the Credit Card

  • The applicant should be in the age group between 21 years to 70 years and the add-on cardholder should be above 18 years of age.
  • The card will be issued to both customers and non-customers.
  • Salaried individuals, self-employed individuals/professionals and businessmen are eligible for the card.
  • For Visa Classic Card the minimum annual income criterion is 3.00 lakhs.
  • The minimum annual income required for Visa Platinum Card and Rupay Select Card is 5.00 lakhs.
  • The minimum annual income required for Visa Signature Card is RS. 10.00 lakhs.
  • The minimum annual income for Rupay Platinum card is 1.80 lakhs.
  • The Mastercard is issued to salaried individuals with a minimum monthly income of 15000/- and to self-employed individuals with a minimum annual income of 1.80 lakhs.
  • The minimum annual income required for Visa Gold card is 2.40 lakhs.
  • The credit score of the applicant should be above 750.
  • For credit card against fixed deposits, there is no need for income proof or credit score.

Documents required for Andhra Bank Credit Card

The following documents are required for Andhra Bank Credit Card

  • Address Proof such as Aadhar Card, Passport, Driving Licence, Utility bills, Rental Agreement, etc.
  • Proof of Identity such as Aadhar Card, Voter's ID Card, Pass Port, Driving Licence and PAN Card.
  • For Salaried Individuals Income Proof such as IT Returns, form 16 and the latest Salary Slips
  • For the self-employed, Income Proof such as IT Returns and Financial Statements like the Audited Balance Sheet and Profit and Loss Account

Making your Andhra Bank Credit Card Payment

The Account Holders of Andhra Bank can make Credit Card Payments in the following ways:

  • Make credit card payments online by registering for Andhra Bank Internet banking facilities.
  • You can give auto-debit instructions from your savings bank account at Andhra Bank or can transfer the amount to credit card from your savings bank/current account at any Andhra Bank ATM.

All other customers can make the payment in the following ways:

  • Can make payment through NEFT/RTGS. Under the beneficiary account option, you will have to provide the Andhra Bank Card Number.
  • Can make payment by cheque. Mention the Andhra Bank Credit Card Number and drop the cheque at any of the Andhra Bank drop boxes across the cities.
  • Using Bill Desk, payment can be made through any bank net banking account.
  • Can also make payment by way of cash deposit at any Andhra Bank branches.
  • Can use the Andhra Bank Mobile App and make payment through Andhra Bank Savings account or any other bank account.

Andhra Bank Credit Card Customer Care Numbers

For any queries regarding the credit card you can contact the Andhra Bank Credit Card helpline on 1800-425-1515 and 1800-425-4059.

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Andhra Bank Credit Card FAQs

✅ Are What are the fees charged for Lounge Access?

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An amount of 2/- will be charged to the cardholder?s account for domestic lounge usage which is not refundable.

The applicable access fee will be charged for international lounge access at the entry time. This fee will be reimbursed to the cardholder?s account in the next month.

✅ How is the credit limit fixed for cards against Fixed Deposit?

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Credit limits will be up to 75% of the Fixed Deposit Amount.

✅ What is the rollover facility?

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In a rollover facility, the cardholder is permitted to pay a percentage of the outstanding balance as stipulated by the concerned bank and continue to use the card. An interest at 2.95% p.m. will be charged on the carried over balance.

✅ What should be done in case of loss/theft of the card?

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On noticing the loss/theft of the card you should immediately report the same to the Customer care centre of the bank.

✅ What is the procedure to be followed in the case of disputed transactions?

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In the case of disputed transactions, you should report the same by either sending a fax to 040-2475-5025 or send a letter to the address Andhra Bank Credit Card Division, Head Office, Koti, Hyderabad-500095. You will be given the details of transactions and charge-slips and the case will be resolved as per the guidelines of Visa/Mastercard dispute resolutions.

✅ Will a credit card be issued even the credit score is not satisfactory?

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A credit card will be issued even without a good score against Fixed Deposits.

✅ Is the cash advance facility available on Andhra Bank Credit Cards?

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Yes, cash advance facility up to 50% of the credit limit is available on Andhra Bank Credit Cards.