Andhra Bank launch Rupay Credit Card (fees & offers full details)

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Andhra Bank launch Rupay Credit Card (fees & offers full details):-

The features of two variant of RuPay Credit Card viz. Rupay Platinum Credit Card & Rupay Select Credit Card:-

1) Rupay Platinum Credit Card:-

Fees and Charges -

Admission Fee- Nil
Annual Subscription – Main card- Rs299/-
Annual Subscription – Add on card – Rs199/-
Annual Subscription for cards against deposits – Nil
Annual Subscription waived in the first year and not levied if usage in the previous year – Rs30,000/-
Roll Over Facility – 5%
Free Credit Period – 21 to 50 days depending up on the date of purchase
Accidental Insurance Coverage – Personal Accidental Insurance Coverage of up to 2.00 lacs in case of loss of life or permanent disability due to accident only for the main card holder. *T & C Apply.

Lost Card Insurance – Rs1,50,000/-
Cash Advance Limit – 50% of the sanctioned limit
Add on card charges – Rs300/-
Lost Card Charges – Rs300/-
Lost Card Replacement Charges – Rs200/-
Charge Slip Request Charges – Rs100/-
Transactions charges at Railways – 1%
No surcharge on fuel purchase – Rs2000/- per day and surcharge reversal of 1 % with a cap of 250/- p.m
Foreign Currency Mark up – 3%
Temporary Enhancement charges per occasion – Rs200/-
Hot Listing Charges – Rs200/-
Cash withdrawal charges – Andhra Bank ATMs – 3 % on the amount withdrawn or 150/- whichever is higher
Cash Withdrawal charges – Other Bank ATMs – Rs50/- in addition to 3 % on the amount withdrawn or 150/- whichever is higher
Balance Enquiry in Andhra Bank ATMs – Nil
Balance Enquiry in Other Bank ATMs – Rs20/-
Interest on cash advance charges – 2 %
Service charge on revolving credit facility if MPD is paid with due date – 2 % p.m or 28.30 % 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

Late Payment Charges -
Outstanding up to Rs5000 – Rs200/-
Between 5001 to 15000 – Rs300/-
Between 15001 to 25,000 – Rs400/-
Above 25001 – Rs600/-

The above charges are exclusive of Service Tax and subject to change as per bank discretion from time to time without any prior notice.

Features and Benefits -

Earn More while you Spend

Reward points procedure with terms and conditions will be announced shortly.

Interest Free Credit

Enjoy 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.

Fuel Surcharge Waiver

Waiver of fuel surcharge up to 2000/- per day whenever you fill fuel using Andhra Bank RuPay Platinum Credit Card across all fuel stations. The surcharge reversal will be 1 % with a cap of 250/- per month.

Accidental Insurance Coverage

Personal Accidental Insurance Coverage of up to 2.00 lacs in case of loss of life or permanent disability due to accident.

• T & C Apply.

Wider Acceptance

Wider acceptance over 39.3 million merchants and 1.88 million ATMs spread across India and abroad,.

Add on Cards

Make Andhra Bank your family Bank by gifting your family members (only for members above 18 years) an add-on RuPay Platinum Credit Card. The add-on card enables your family members to avail all the benefits and features applicable on the primary card. The Points earned on the add-on cards will be clubbed with those of the primary card and can be redeemed as per the bank policy in force.

RuPay Offers

Exclusive merchant offers and cash back in Eateries, Restaurants & Utility Payments provided by RuPay. These offers are provided by RuPay by is subject to change as per their discretion from time to time without prior notice. Please refer the below link below for more details.

2) Rupay Select Credit Card:-

Fees and Charges -

Admission Fee- Nil
Annual Subscription – Main card- Rs499/-
Annual Subscription – Add on card – Rs299/-
Annual Subscription for cards against deposits – Nil
Annual Subscription waived in the first year and not levied if usage in the previous year – Rs50,000/-
Roll Over Facility – 5%
Free Credit Period – 21 to 50 days depending up on the date of purchase
Accidental Insurance Coverage – Personal Accidental Insurance Coverage of up to 10.00 lacs in case of loss of life or permanent disability due to accident only for the main card holder. *T & C Apply.

Lost Card Insurance – Rs1,50,000/-
Cash Advance Limit – 50% of the sanctioned limit
Add on card charges – Rs300/-
Lost Card Charges – Rs300/-
Lost Card Replacement Charges – Rs200/-
Charge Slip Request Charges – Rs100/-
Transactions charges at Railways – 1%
No surcharge on fuel purchase – Rs4000/- per day and surcharge reversal of 1 % with a cap of 500/- p.m
Foreign Currency Mark up – 3%
Temporary Enhancement charges per occasion – Rs200/-
Hot Listing Charges – Rs200/-
Cash withdrawal charges – Andhra Bank ATMs – 3 % on the amount withdrawn or 150/- whichever is higher
Cash Withdrawal charges – Other Bank ATMs – Rs50/- in addition to 3 % on the amount withdrawn or 150/- whichever is higher
Balance Enquiry in Andhra Bank ATMs – Nil
Balance Enquiry in Other Bank ATMs – Rs20/-
Interest on cash advance charges – 2 %
Service charge on revolving credit facility if MPD is paid with due date – 2 % p.m or 28.30 % 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

Late Payment Charges -
Outstanding up to Rs5000 – Rs200/-
Between 5001 to 15000 – Rs300/-
Between 15001 to 25,000 – Rs400/-
Above 25001 – Rs600/-

The above charges are exclusive of Service Tax and subject to change as per bank discretion from time to time without any prior notice.

Features and Benefits -

Earn More while you Spend

Reward points procedure with terms and conditions will be announced shortly.

Interest Free Credit

Enjoy 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.

Fuel Surcharge Waiver

Waiver of fuel surcharge up to 4000/- per day whenever you fill fuel using Andhra Bank RuPay Select Credit Card across all fuel stations. The surcharge reversal will be 1 % with a cap of 500/- per month.

Accidental Insurance Coverage

Personal Accidental Insurance Coverage of up to 10.00 lacs in case of loss of life or permanent disability due to accident.

• T & C Apply.

Wider Acceptance

Wider acceptance over 39.3 million merchants and 1.88 million ATMs spread across India and abroad,.

Add on Cards

Make Andhra Bank your family Bank by gifting your family members (only for members above 18 years) an add-on RuPay Select Credit Card. The add-on card enables your family members to avail all the benefits and features applicable on the primary card. The Points earned on the add-on cards will be clubbed with those of the primary card and can be redeemed as per the bank policy in force.

RuPay Offers

Exclusive merchant offers and cash back in Eateries, Restaurants & Utility Payments provided by RuPay. These offers are provided by RuPay by is subject to change as per their discretion from time to time without prior notice. Please refer the below link below for more details.

Eligibility for Rupay Platinum Credit Card & Rupay Select Credit Card -

Cards are issued primarily to customers. To Non customers on selective basis.
• Primary card holder should be in the age bracket of 21 years to 70 years.
• Add-on card holder should be 18 years and above.
• Income Eligibility is Rs 2.50 lacs per Annum for Rupay Platinum Credit Card or Income Eligibility is Rs 5.00 lacs per Annum for Rupay Select Credit Card.
• For Business class 2 years I.T.Returns with computation sheets
• For Salaried class Form 16 / ITRs with latest Salary slip.
• Cards are also issued against lien on Fixed Deposit with 25% margin without insisting for Income Proof & Scoring Model.

The above eligibility criteria are only indicative.
The Bank reserves the right to approve or decline applications for Credit Card.

Documents to be submitted along with application:-*

• Application for credit card with complete information
• Two Passport size Color Photographs
• Latest Income Tax Returns for 2 years / Form � 16 / Salary Slip
• Proof of address, ID Proof, Pan Copy as per KYC norms