Andhra Bank Credit Card

The Andhra Bank Credit Card is a financial product offered by Andhra Bank, one of India’s prominent public sector banks. Tailored to meet diverse customer needs, the credit card provides a range of benefits and features. Cardholders can enjoy convenient payment options, access to a wide network of merchants, and attractive rewards programs that cater to various spending patterns. Additionally, the Andhra Bank Credit Card strives to ensure security and privacy through advanced technologies and fraud protection measures. Whether for daily expenses, travel, or online shopping, the Andhra Bank Credit Card is designed to provide a seamless and rewarding experience for its users.

Features and Benefits of Andhra Bank Credit Card

  • The card is accepted worldwide, including Visa Platinum, Visa Gold, Visa Corporate, Visa Classic, and Mastercard.
  • You can apply for the card without any joining fees.
  • No annual fees for the first year, and subsequent years’ fees waived based on spending criteria.
  • Every purchase gets a credit period of 21 to 50 days.
  • Free insurance for lost cards.
  • You can withdraw up to 50% of your card limit with minimal charges.
  • You can get additional cards for family members.

Fees and Charges

Charge
VISA Classic/MasterCard
VISA Gold Card
Student Card
ICFAI Student Card
MasterCard Electronic Card
Entry Fee
Nil
Nil
Nil
Nil
Nil
Annual Fee
Rs. 550
Rs. 1,000
Rs. 450
Rs. 350
Rs. 200
Annual Fee for Add-on cards
Rs. 200
Rs. 400
NA
NA
Rs. 150

Eligibility Criteria

Age: Applicants must be between 21 to 70 years old.
Income Requirement: You need to have a minimum annual income of INR 1,80,000.
Employment: Both salaried individuals and self-employed individuals are eligible to apply.

Documents Required

To apply for an Andhra Bank Credit Card, you will need the following documents:

Address Proof: You can provide documents like Aadhar Card, Passport, Driving Licence, Utility bills, or Rental Agreement.
Proof of Identity: Options include Aadhar Card, Voter’s ID Card, Passport, Driving Licence, or PAN Card.
For Salaried Individuals: Income Proof such as IT Returns, Form 16, and the latest Salary Slips are required.
For Self-employed: Income Proof like IT Returns and Financial Statements, such as the Audited Balance Sheet and Profit and Loss Account, need to be submitted.

How To Apply for Andhra Bank Credit Card?

Steps for New Customers:

  1. Visit the official website of Andhra Bank.
  2. Go to the Credit Cards page and enter your contact and personal details.
  3. Browse through the list of cards and choose the one that suits your needs.
  4. If your financial details meet the bank’s requirements for the chosen card, proceed with the application.
  5. A bank representative will contact you to guide you through the application process.
  6. Submit the necessary documents, including address proof, photo ID proof, and income proof, for eligibility verification and card issuance.

Steps for Existing Customers:

  1. Visit the official website of Andhra Bank.
  2. Go to the Credit Card page.
  3. Provide your net banking customer ID and mobile number.
  4. Apply for the credit card directly online.