ANDHRA BANK VISA SIGNATURE CREDIT CARD

Andhra bank is an established commercial, mid sized bank currently offering its services in all states and union territories of the country. Existing and new customers can experience best banking services at over 2550 branches and over 2300 ATMs of andhra bank. Customers can easily get credit cards that match their style and financial condition without increasing financial burden. In association with VISA bank also avail credit card for commercial purpose that too with lowest interest rate. Andhra bank offers services for deposits, insurance, loans, deposits, insurance, accounts, mutual funds and other services for customers. Andhra bank credit card offers attractive reward and other privileges to make utilization of services much easier.

Andhra Bank VISA Signature Credit Card is launched by Andhra Bank to cater to the needs of the elite. This card comes with a variety of perks such as access to the airport lounge, concierge services, waiver on the fuel surcharge, card loss insurance and even group personal accidental insurance at a nominal premium. Andhra Bank VISA Signature Credit Card is configured for those who want the best services in every step of life. This card offers you with unique privileges that suit your lifestyle. The card comes with EMV Chip and PIN technology which gives you high security for your every transaction. This chip card stores data with unmatched security in a highly secured platform to defend you from any fraudulent activity

Andhra Bank VISA Signature Credit Card Features

1. Get an interest free credit period of 21 to 50 days on your purchases

2. You get a waiver of fuel surcharge up to Rs 4000/- per day

3. Get Personal Accident Insurance Coverage up to 30 lacs for the primary cardholder and 30 lacs for the add-on cardholder

4.3 5 RPs on every Rs. 150 spent

5. Complimentary Airport Lounge Access

6. 24×7 Concierge Services

7. With the Add-on card feature add your loved one and enjoy the benefits together.

8. You can use this card globally over 9 lakh merchants in India and over 29 million merchants abroad.

Andhra Bank VISA Signature Credit Card Benefits

Reward type	Lifestyle
Fuel Surcharge Waiver	Waiver of fuel surcharge up to Rs.4000/- per day whenever you fill fuel using Andhra Bank Signature Credit Card across all fuel stations.
Interest Free Credit	Enjoy an interest free credit period of 21 to 50 days on your purchases and manage your payments as per your convenience. You can choose to pay the total outstanding amount, minimum amount due or any other amount higher than the minimum amount due.
Accidental Insurance Coverage	Option of Group Personal Accident Insurance Coverage up to Rs.30 lacs to the Main cardholder and Rs.30 lacs to the add-on cardholder at a nominal Insurance premium chargeable to the cardholder
Lost Card Liability	The card will be immediately blocked for all transactions to prevent card misuse. Any fraudulent transaction up to Rs.1.50 lacs after reporting the loss will be covered by the Bank.
Concierge Services	Concierge Services of VISA International, the worldwide 24*7 customer service would be extended through their Global Toll Free numbers to assist for Travel, Hospitality and on Emergency cash assistance etc.
Rewards points	Earn 5 Points for every Rs.150/- spent
Add-on-Cards	Make Andhra Bank your family Bank by gifting your family members (only for members above 18 years) an add-on Signature Credit Card. The add-on card enables your family members to avail all the benefits and features applicable on the primary card.
VISA Offers	Customers will be eligible for exclusive offers on shopping, hotel, and car rentals etc. which are provided for VISA cardholders. These offers are provided by VISA and may change as per VISA discretion from time to time without any prior notice.

Andhra Bank VISA Signature Credit Card Fee and charges

To apply for a VISA Signature Credit Card, you have to pay fees and charges applied by the Andhra Bank. It covers all charges and fees made by a bank to their customers.The following charges are taken from Andhra Bank i.e joining fee, annual fee, interest rate, late payments charges etc.

TYPE	CHARGES
Admission Fee	Rs.1000/-
Annual Subscription - Main card	Rs.2000/-
Annual Subscription - Add on card	Rs.1000/-
Annual Subscription for cards against deposits	Rs.1000/-
Annual Subscription waived in the first year and not levied if usage in the previous year	Rs.27,0000/-
Free Credit Period	21 to 50 days depending up on the date of purchase
Roll Over Facility	5 %
Accidental Insurance Coverage	Rs.30,00,000/- for main card and Rs.30,00,000/- for Add on Card. Premium to be borne by the card holder.
Lost Card Insurance	Rs.1,50,000
Cash Advance Limit	60% of the sanctioned limit
Add on card charges	Rs.300
Lost Card Charges	Rs.500
Lost Card Replacement Charges	Rs.500/-
Charge Slip Request Charges	Rs.200/-
Transactions charges at Railways	2.5%
No surcharge on fuel purchase	Rs.4000/- per day
Foreign Currency Mark up	3%
Temporary Enhancement charges per occasion	Rs.400/-
Hot Listing Charges	Rs.400/-
Cash withdrawal through Andhra Bank ATMs	3 % on the amount withdrawn or Rs 150/- whichever is higher
Cash Withdrawal charges Other Bank ATMs	Rs.50/- in addition to 3 % on the amount withdrawn or Rs.50/- whichever is higher
Balance Enquiry in Andhra Bank ATMs	Nil
Late Payment Charges	Outstanding upto Rs.5000 = Rs.200 Between Rs.5001 to Rs.15000 = Rs.300 Between Rs.15001 to Rs.25000 = Rs.400 Above Rs.25001 = Rs.600
Balance Enquiry in Other Bank ATMs	Rs.20/-
Interest on cash advance charges	2.5%
Service charge on revolving credit facility if MPD is paid with due date	2.5% p.m or 34.49 % Annualized percentage rate
Service charge on revolving credit facility if MPD is not paid within due date	2.95% p.m or 41.75 % Annualized percentage rate

Andhra Bank VISA Signature Credit Card Eligibility Criteria

Before applying for a VISA Signature Credit Card from the Andhra Bank, you should fulfil all basic eligibility criteria as prescribed by the bank. You will get your credit card very soon if you meet all the required eligibility criteria once the documentation is done.

1. Cards are issued to customers and also to Non customers on a selective basis.

2. Primary card holders should be in the age bracket of 21 years to 70 years.

3. Add-on card holders should be 18 years and above.

4. Income Eligibility is Rs.10.00 lacs per Annum.

5. For Business class 2 years I.T.Returns with computation sheets.

6. For Salaried class Form 16 / ITRs with latest Salary slip.

7. Cards are also issued against lien on Fixed Deposit with 25% margin without insisting for Income Proof & Scoring Model.

Andhra Bank VISA Signature Credit Card Documents Required

Any applicant who is applying for a VISA Signature credit card from the Andhra Bank must have to submit the following documents. These documents are the requirements for the lenders who are providing you the credit card.

1. KYC Documents = PAN, address proof and ID proof

2. Coloured photograph

3. Income Proof = Last 3 month salary slip

4. Last 3 months bank statement

5. ITR or Form 16

Andhra Bank Credit Card Login

Cardholders of Andhra Bank Credit Card can log in to their credit card account through following steps :

1. Go to Andhra Bank official website

2. Select credit cards

3. Under it, a list of credit card services will be displayed

4. Click on ‘Credit card Online Portal’

5. A new page will be displayed

6. To the top-right ‘Credit Card/ Prepaid Card Online Portal’, click on the login

7. You will be directed to Andhra Bank Credit Card Online Portal

8. Enter your username, password and captcha letters accurately

9. Click on login

How to apply for Andhra Bank VISA Signature Credit Card

There are two reason to apply for Andhra Bank VISA Signature Credit Card :

1. Offline Method : By visiting the nearest branch of Andhra Bank

2. Online Method :

You can visit the ‘VISA Signature Credit Cards’ page of the Andhra Bank official website.
Enter your personal and contact details.
After the verification, a representative from the bank will get in touch with and ask to guide you through the process.
You may have to submit KYC documents and income proof to get an Andhra Bank credit card.

Andhra Bank VISA Signature Credit Card Customer Care

Contact number : 18004251515 / 18004254059

Email id : customerser@andhrabank.co.in

Andhra Bank Credit Card Payment Online

1. Login to Andhra Bank net banking using your card number, email, phone and the payment amount

2. Click on My cards from the drop down menu select the credit card

3. Click on pay

4. You will be directed to the payment gateway page

5. Enter the authentication details

6. Confirm the payment amount

7. Your account will be debited and you will receive a reference transaction number

Bank offered Financial Products

BUSINESS LOAN	CAR LOAN	COMMERCIAL LOAN	EDUCATION LOAN	GOLD LOAN	HOLIDAY LOAN
HOME LOAN	LOAN AGAINST PROPERTIES	LOAN AGAINST SECURITIES	PERSONAL LOAN	PROFESSIONAL LOAN	TWO WHEELER LOAN

Andhra Bank VISA Signature Credit Card Frequently Asked Questions

1. What is a Andhra Bank VISA Signature Credit Card?

Andhra Bank VISA Signature Credit Card is configured for those who want the best services in every step of life. This card offers you with unique privileges that suit your lifestyle. The card comes with EMV Chip and PIN technology which gives you high security for your every transaction.

2. How much age is the candidate required to get a Andhra Bank VISA Signature Credit Card?

The minimum age is 21 years and maximum age is 70 years to get a Andhra Bank VISA Signature Credit Card.

3. What is the renewal fee of the Andhra Bank VISA Signature Credit Card?

The renewal fee of the Andhra Bank VISA Signature Credit Card is Rs.2000.

4. What are the rewards points given in a Andhra Bank VISA Signature Credit Bank?

The rewards points given in the VISA Signature Credit Card from Andhra Bank of India is

Earn 5 Points for every Rs.150/- spent

5. How much interest rate is provided by the Andhra Bank VISA Signature Credit Cards?

The interest rate is 2.5% per month provided by Andhra Bank VISA Signature Credit Cards.

6. What type of rewards are included in the Andhra Bank VISA Signature Credit Card?

Lifestyle rewards are included in the Andhra Bank VISA Signature Credit Card.

7. How can I apply for a Andhra Bank VISA Signature Credit Card?

You can apply for a Andhra Bank VISA Signature Credit Card through online and offline by visiting the nearest bank branch.

8. How do I contact customer care for a Andhra Bank VISA Signature Credit Card?

You can contact through customer care toll free number and also through e-mail id for a Andhra Bank VISA Signature Credit Card.

9. What is the joining fee of the Andhra Bank VISA Signature Credit Card?

The joining fee of the Andhra Bank VISA Signature Credit Card is Rs.1000.

10. What are the late payment charges of the Andhra Bank VISA Signature Credit Card?

The late payment charges of the Andhra Bank VISA Signature Credit Card is Rs.200 to Rs.600.

Last Updated on : 12/Oct/2020

You're eligible for a Andhra Bank Visa Signature Credit Card if you:

Are legally adult enough to handle it

Have still got it

Get a regular pay check

Make more than a basic buck

Your eligibility depends on:

Earn more than minimum income required

Maximum allowed Credit Cards is Rs. 10K to Rs. 45 lakhs

EMIs of other loans loweryour eligibility

Boost your eligibility by:

Pay off your credit card bills

Choose longer tenure loan up to 5 years

Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

1. Photo ID and age proof

2. Signed application form with photograph

3. Residence proof

4. Last 6 months bank statement

5. Documentation for salaried applicants:

Last 3 months salary - slips

Form 16 or Income Tax Returns

6. Documentation for self-employed applicants:

Last 3 years Income Tax Returns with computation of Income

Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account