Andhra Bank Debit Card

Andhra Bank was established by Dr. Bhogaraju Pattabhi Sitaramayya, an eminent Indian freedom fighter. It was registered on 20th November 1923 and commenced business on 28th November 1923. The bank’s paid-up capital was 1 lakh, and authorized capital was 10 lakhs. It is a medium-sized public sector bank (PSB) with nearly 3000 branches. Andhra bank is wholly committed to providing excellent banking services to customers, without any discrimination.

Benefits of Andhra Bank Debit Card

Andhra Bank offers a single debit card to all its account holders, designed to cater to all their needs. The Andhra Bank debit card is easy to use and provides the following advantages.

1. The card can be used 24/7 for 365 days a year at any Andhra Bank or partner ATM.

2. The debit card can be used to withdraw cash, change the security PIN, make balance inquiries, request a checkbook, deposit cash, and make purchases.

3. The bank offers separate debit cards for all the joint holders of a single account.

4. The card can be used to get mini statements at any Andhra Bank ATM.

5. A cardholder can link up to ten Andhra Bank accounts spread across ten branches in different towns to a single debit card. The card can be used for transactions of any of the linked accounts.

6. The card can be used to make donations to different religious trusts such as Tirupathi Temple Development Trust and Shirdi Temple Trust. The card holders can even enjoy IT exemptions on these donations.

7. Andhra Bank has partnered with VISA to provide its customers with a seamless debit card experience.

8. The card is accepted widely, with thousands of retail merchants in India and 1.2 million merchants worldwide.

9. The card is also enabled for cash withdrawals abroad, at over 8 lakh VISA ATMs spread across 150 countries.

10. The card is provided free of cost to the account holder for the first year. A nominal amount of Rs 75 is charged annually from the second year onward.

11. The validity of the card is five years.

12. The card provides a fuel surcharge waiver at select fuel stations in the country.

13. The card can also be used to book travel tickets on IRCTC and Air India.

14. Cardholders get regular SMS updates to keep track of their expenses.

15. The card can also ensure a seamless transfer of funds to other Andhra Bank and non-Andhra Bank accounts.

16. The card can be used to pay APEPDCL electricity bills.

Eligibility for Andhra Bank Debit Card

Andhra Bank has set the following conditions or criteria for an individual to be eligible for receiving an Andhra Bank debit card.

1. The applicant should be an Andhra Bank savings or current account holders.

2. Minors, joint depositors, and power of attorney holders are not eligible for the debit card.

3. Company account holders, trust account holders, and partnership account holders are not eligible for the debit card.

DOs and DON’Ts of Using Andhra Bank Debit Card

DOs

1. Report the loss of a card immediately by calling the Andhra Bank customer care number.

2. Retain the customer charge copy while swiping the card at a POS terminal.

3. Keep the PIN of the card private.

4. Check for additional transaction fees. 

5. Keep an eye out for when the card validity ends.

DON’Ts

1. Don’t reveal the debit card PIN to anyone.

2. Don’t use the card with merchant outlets that opt for DCC.

3. Do not hand the card over to third parties.

4. Do not make transactions over telephone calls.

5. Do not refresh or close the window while a transaction is in progress.

Andhra Bank Debit Card FAQs

How do I replace my lost debit card?

Customers need to immediately block the debit card that has been lost by calling the Andhra Bank customer care number. They can then fill in a card replacement form and pay the fees at any Andhra Bank. A new debit card will then be mailed to their registered address within 14 working days.

How long is my debit card valid?

The validity of an Andhra Bank debit card is printed on the card.

Can I have two debit cards?

Andhra Bank customers are usually assigned a single debit card per savings account. However, there are provisions for add-on cards, subject to terms and conditions of the card.

What is the customer care number of Andhra Bank?

The toll-free customer care number of Andhra Bank is 1800 425 1515.