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| CREDIT CARD DETAIL |
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| Andhra Bank MasterCard Card |
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| Card Highlights |
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| Card Class |
Standard |
| Card Type |
Classic |
| Issuer |
Andhra Bank |
| Offered Type |
MasterCard |
| Rewards |
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Main Features
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- Cash advance facility
- No admission fee.
- Free accident Insurance Cover.
- Free Lost Card Insurance Cover.
- No finance charges.
- Credit Card Payment can be made by Cheque / Pay order / Demand Draft or through Andhra Bank ATMs using AB Debit Card.
- Free draft / pay order facility for paying the Credit Card dues.
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 Credit Card Rates
Credit Card Rates
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| Purchases: |
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| Intro Interest Rate |
0% per month |
| Introductory Period |
0 month |
| Interest Rate |
2.5% per month |
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| Balance Transfers: |
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| Intro Interest Rate |
0% per month |
| Introductory Period |
0 month |
| Interest Rate |
0% per month
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Fees & charges
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Fees & charges
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| Joining Fee |
Nil |
| Annual Fee |
Rs. 550/- |
| Add On Card Fee |
Rs. 200/- |
| Cash Advance Transaction Fee |
a) Andhra Bank ATMs / Branches 3% On the amount
withdrawn
b) Other Bank ATMs 3% On the amount
withdrawn + Rs. 70/- per transaction for Master Card |
| Finance charges on cash advances /extended credit |
Nil |
| Penalty Interest Rate |
a) If ‘Minimum Payment Due’. is paid within Due Date2.50% p.m or 34.43% a.p.r. Charged on out-
standing balance
b) If ‘Minimum Payment Due’ is NOT paid within Due Date 2.95% p.m or 41.75% a.p.r Charged on outstanding balance |
| Late Payment |
a) If amount paid by the card holder is less than minimum payment due. Rs. 200/- For outstanding
below Rs. 5,000/-.
b) If payment is not received within due date Rs. 300/- Where out -standing is
between Rs. 5,000/- & Rs. 15,000/-
Rs. 400/- Where Amount outstanding is more than Rs. 15,000/- |
| Free Credit Period |
Min.: 21 days Max.: 50 days |
| Minimum Amount Due |
5% |
| Limited Lost Card Liability |
Rs.200/- On receipt of intimation of loss of Card |
| Over Limit Charges |
Nil |
| Cheque Bounce Fee |
Rs.50/- If, cheque amount is less than Rs. 5,000/-
Rs. 100/- If, Cheque amount is Rs. 5,000/- & above |
| Return of Cheque Fee |
Rs.50/- If, cheque amount is less than Rs. 5,000/-
Rs. 100/- If, Cheque amount is Rs. 5,000/- & above |
| Outstation Cheque Processing Fee |
Rs 10 |
| Non-Bank ATM Access / Balance Enquiry Charges |
Other Bank ATMs Rs. 30/- Per Enquiry |
| Replacement Card Charges |
Rs 200 |
| Emergency Replacement(when overseas) |
Lost Card Replacement charges Rs.200/- On issue of replacement Card
Broken card Replacement charges Rs. 200/- |
| Charge Slip Request |
Rs.100/- Per charge slip |
| Air/Railway Booking Comment |
2.50% On the amount of charge slip |
| Service Tax |
12.36% |
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Services & Features
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Services & Features
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General Features:
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| Photo Option |
No |
| Add On Card |
Yes |
| Internet Web Based Access |
No |
| Coverage |
Domestic |
| Concierge Service |
No |
| Invitation to Special Events |
No |
| Road Assistance |
No |
| Forex & Travel Cheque Services |
No |
| Access to 24-Hour Customer Care Centre |
Yes |
| Personal Loan Facility |
No |
| EMI on Call Facility |
No |
| Dial a Draft Facility |
No |
| Rewards Programme |
No |
| Global Emergency Assistance Service |
No |
| No. of ATMs (Global) |
1,35,000 Merchant Establishments |
| No. of ATMs (India) |
12,000 ATMs across the country |
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Insurance:
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| Other Accident |
Rs.2.00 lakhs
The accident insurance cover provided will be available to the Cardholder only so long as the Cardholder remains a Cardholder of the Bank with his card account being good, regular and in "active" status.
iii. In the event of accidental death of a cardholder, the Bank at its discretion adjusts the proceeds of insurance claim first to all outstanding liabilities of the Cardholder |
| Hospitalization Benefits |
No |
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Eligibility Criteria
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Eligibility Criteria
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India & Nepal
Gross Income for self employeed Rs.0.78 Lakhs p.a |
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Salaried
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Salaried:
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| Annual Income |
Rs 6500.00 |
| Age |
Min.: Yrs. Max.: Yrs. |
| Documents Required |
1. Two recent Passport size colour photographs.
2. Residential Proof such as passport / voter's identity card / telephone bill (land line) / gas bill / driving license.
3. In case of own house, copy of tax receipt / demand notice, electricity bill
4. PAN Number / Form 60 or Form 61
5. Income Proof: a) In case of salaried employees, latest salary slip / certificate (with particulars of gross salary components, deductions and net salary) & Form 16 or IT Return. |
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Self Employed
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Self Employed:
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| Annual Income |
Rs 78000.00 |
| Age |
Min.: Yrs. Max.: Yrs. |
| Documents Required |
1. Two recent Passport size colour photographs.
2. Residential Proof such as passport / voter's identity card / telephone bill (land line) / gas bill / driving license.
3. In case of own house, copy of tax receipt / demand notice, electricity bill
4. PAN Number / Form 60 or Form 61
5. Income Proof: a) In case of salaried employees, latest salary slip / certificate (with particulars of gross salary components, deductions and net salary) & Form 16 or IT Return. |
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Terms & Conditions
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Terms & Conditions |
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