See How to Apply for a Credit Card from Andhra Bank and Pay with Reward Points

The Andhra Bank Platinum Credit Card is ideal for people who are looking for an incredibly good offer. It offers great benefits and is suitable for people living in India and abroad. 


This credit card comes equipped with an excellent security system at the highest level (integrated chip technology). Also, for POS transactions, you have a PIN and EMV chip for added security. 

This means that you can safely use your credit card for any kind of transaction. Let’s see what this credit card has on offer for you.

See How to Apply for a Credit Card from Andhra Bank and Pay with Reward Points


For purchases, you can benefit from anywhere between 21 and 50 days without interest, which can help you plan your expenses to your advantage. 

With the Andhra credit card, you also benefit from group insurance in case of car accidents in the form of up to 5 lacs for an add-on cardholder and up to 10 lacs for the primary cardholder. 

If you lose the card, you can easily call 1-800-424-1515 (toll-free) to request that the card be blocked or deactivated. If, however, hackers destroy security barriers and your account used fraudulently, the bank will cover transactions up to RS 1.5 lacs.


The credit card can be used anywhere in the world and can be used at over 29 million merchants abroad and in 9 lakh merchants throughout India. You can also enjoy exclusive offers when you use the card, and it is ideal for car rentals, booking hotels, and shopping. These offers are not related to Andhra Bank and are provided by VISA, whose offers are updated periodically. 

How to Apply

In order to apply for the credit card offered by Andhra Bank or if you just want to find out more information about the product, you can go to one of the bank’s branches. In order to apply for a credit card, you need to prove your income if you are employed (salary slip/form 16). 

You also need to fill out the credit card application by providing proof of address. This can be an ID card, utility bill, or Driving License. You will need to provide ID, as well, such as an Aadhar Card, passport, voter ID card, or PAN card. 

Lastly, you will need two passport size photos (color photo). Self-employed people must bring income tax returns with computation sheets for the last two years of activity.

Who is Eligible?

Andhra Bank reserves the right to select its credit card customers, whether we are talking about existing or new customers. The age of the cardholders must be between 21 and 70 years old, and the add-on cardholder must be at least 18 years old. 

It should also be specified that the minimum wage accepted to meet the criteria is Rs 5 lacs/year. All of these requirements are the same for both genders.

Fees and Interest

Here are the main aspects when it comes to fees and interest.

  • No joining fees
  • Annual fee: Rs 1000
  • Rollover facility is 5%, while the foreign current markup is 3%
  • Lost card fee: Rs 200
  • Replacement card fee: Rs 200
  • Cash withdrawals: 3% of amount (Andhra’s ATM), 3% of amount + Rs 50
  • Cash advance charges come with an interest rate of 2.5% (maximum 50% of the sanctioned limit)
  • Railways transactions feel: 2.5%
  • Foreign currency markup: 3%
  • Fees against deposits: Rs 400/per year
  • Add-on card fee: Rs 300 (same fee as add-on card annual subscription)

Bank Contact Info

You can contact the bank via the followign methods.

National Toll-Free Number: 1-800-425-1515 (available 24/7)

Via e-mail: 

Via Fax: 040-2475-5052.

Via mail: Credit Card Division, Head Office, Andhra Bank Buildings, Koti Sultan Bazar, Hyderabad, 500 095

See How to Apply for a Credit Card from Andhra Bank and Pay with Reward Points


Great credit cards are very rare, so let’s see what makes this Andhra Bank card so special compared to other options. 

Andhra Bank has perhaps the most transparent offer in the industry. If you are looking for security, flexibility, and freedom all in one banking product, then you need to consider the Andhra Bank Platinum Credit Card.

Note: There are risks involved when applying for and using credit cards. Consult the institution’s terms and conditions page for more information.