Andhra Bank Credit Cards

Andhra Bank offers five credit cards that match customers' preferences, suit their lifestyle and are accepted globally. These credit cards are issued against a minimum taxable income of 1.80 lakhs. They have the following features

1. No admission fee.

2. No additional charges during the interest-free period.

3. No annual subscription in the first year.

4. Two add-on cards provided for family members.

5. Cards also issued against fixed deposits (Secured credit cards).

6. Cash withdrawn limited to 50% of the availed credit limit.

7. Cash advance charged at an interest rate of 3%.

8. Unpaid dues have a service charge of 2.5%.

Andhra Bank Credit Cards

Andhra Bank offers the following five credit cards

1. VISA Classic Credit Card

2. Visa Platinum Credit Card

3. Visa Signature Credit Card

4. RuPay Select Credit Card

5. RuPay Platinum Credit Card

Andhra Bank VISA Classic Credit Card

1. Three reward points on every transaction of Rs 150 done via POS, IVR, and MOTO.

2. Interest-free credit period of 21-50 days.

3. Waivers on fuel surcharges worth Rs 2,000 on using the card at any fuel station.

4. Complimentary group personal accident insurance coverage up to Rs. 20 lakhs for the primary cardholder and Rs 2 lakhs for the add-on cardholders with nominal premiums.

5. Widespread acceptance with over nine lakh merchants in India and over 29 million merchants globally.

6. No liability on the customer for a lost card.

7. The facility of possessing an add-on card by a spouse, parent, or child above 18 years.

8. Reward points on add-on card clubbed with the main card for enhanced benefits.

9. Exclusive offers on dining, shopping, hotels, car rentals, and entertainment.

10. No joining charges and annual fees of Rs 550.

Andhra Bank Visa Platinum Credit Card

1. Five reward points on every transaction of Rs 150 done via POS, IVR, and MOTO.

2. Interest-free credit period of 21-50 days.

3. Waivers on fuel surcharges worth Rs 2,000 on using the card at any fuel station.

4. Complimentary group personal accident insurance coverage up to Rs. 10 lakhs for the primary cardholder and Rs 5 lakhs for the add-on cardholders with nominal premiums.

5. Widespread acceptance with over nine lakh merchants in India and over 29 million merchants globally.

Andhra Bank Visa Signature Credit Card

1. Five reward points on every transaction of Rs 150 done via POS, IVR, and MOTO.     

2. Interest-free credit period of 21-50 days.

3. Waivers on fuel surcharges worth Rs 2,000 on using the card at any fuel station.

4. Complimentary group personal accident insurance coverage up to Rs. 30 lakhs for the principal cardholder and Rs 30 lakhs for the add-on cardholders with nominal premiums.

5. Complimentary airport lounge access and concierge services across domestic airports.

Andhra Bank RuPay Select Credit Card    

1. Ten reward points on every transaction of Rs 150 done via POS, IVR, and MOTO.

2. Interest-free credit period of 21-50 days.

3. Waivers on fuel surcharges worth Rs 4,000 on using the card at any fuel station.

4. Personal insurance cover worth Rs 10 lakhs for death or permanent disability resulting from an accident.

5. No joining fees and nominal annual fees of Rs 499.

6. Exclusive offers on shopping and dining at partner retail outlets.

Andhra Bank RuPay Platinum Credit Card

1. Ten reward points on every transaction of Rs 150 done via POS, IVR, and MOTO.

2. Interest-free credit period of 21-50 days.

3. Waivers on fuel surcharges worth Rs 2,000 on using the card at any fuel station.

4. No joining fees and nominal annual fees of Rs 299.

How to Redeem Andhra Bank Credit Card Reward Points

Customers can redeem their reward points by logging in to their banking accounts for attractive gifts and offers from their catalogue. They can also call customer care and redeem their reward points. They can fill in an Andhra Bank Reward Redemption Form and send it to the Andhra Bank official address.

How to Make Andhra Bank Credit Card Bill Payment

There are two ways of paying Andhra Bank credit card bills, online and offline. Customers can avail the following options on the online method.

1. Visa Credit Card Pay

2. NEFT payment

3. Paynet - Pay Online

4. UPI ID

5. Google Pay

Customers can also opt for the offline method with the following options.

1. Paying over the counter at any Andhra Bank branch

2. Payment cheques in electronic drop boxes

3. Payment using Andhra Bank Debit Card at any Andhra Bank ATM

Andhra Bank Credit Card Customer Care

Customers with credit card queries can call the toll-free Andhra Bank credit card customer care number 1800 425 4059. This number is available 24/7.

Frequently Asked Questions

 1: What is MPD for Andhra Bank credit cards?

Answer: MPD or the Minimum Payment Due is around 5% of the credit card bill amount every billing cycle in case of Andhra Bank credit cards.

 2: How do I contact the Andhra Bank customer care to block my credit card?

Answer: Customers with credit card queries can call the toll-free ICICI credit card customer care number 1800 425 4059.

 3: Can I pay the bill through an ATM?

Answer: Customers can make the bill payment only at an Andhra Bank ATM with an Andhra Bank debit card.

4: What credit score do I need to get an Andhra Bank credit card?

Answer: Andhra Bank prefers customers whose credit score is at least 700 or above. Individuals with a credit score of 650 and below are known to face difficulties in getting loans and credit cards.