Andhra Bank MasterCard Electronic Credit Card
CancelTen thousand rupees in a deposit, and no questions about your income.
no published fee to price it against
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: Nothing published — no joining offer ever appeared against this card on Andhra Bank's own pages
Not valued. We can't value this card until the issuer publishes a fee — every net-value number here would be wrong by exactly the fee we can't find. Everything we can source — the earn rate, the transfer routes, the lounge doors — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Andhra Bank publishes a fee schedule we can cite.
Why we decline to value some cards, and what it takes to change that →
3 notes on the card itself: how it is issued · the network variants · why it ranks #993
Why #993 The secured rung of Andhra Bank's own shelf — a credit card against a ₹10,000 term deposit with no income proof at all, and no published fee. Carried, not valued; Andhra Bank was merged into Union Bank of India on 1 April 2020.
The take
Every bank that ran its own card book eventually built the rung for people the scoring model would not touch, and this was Andhra Bank's. The MasterCard Electronic asked for no income proof of any kind: you pledged a term deposit with a 25% margin, and the minimum deposit was ₹10,000 — the lowest bar on any Andhra Bank card, and low enough that it was a genuinely different product rather than a downgrade path. Compare it across the shelf and the design becomes clear. The Platinum could also be issued against a deposit, but the minimum was ₹1,00,000 and the subscription only dropped to ₹400. The Signature could too, but on a fixed deposit sized to a ₹2,00,000 card limit. This one started at ₹10,000. And unlike a lot of secured plastic, it was not cut out of the rewards programme: the bank's own eligibility list names "Master card Electronic cards" alongside the Platinum, Gold and Classic, so it earned the same point per ₹100 at the same fifty paise through ABLE Rewards. What Andhra Bank never published is what it cost. Its printed fees schedule prices the Visa Gold, the Visa Classic and the plain MasterCard and stops; the later website prints waiver bars for those three and the Platinum and says nothing about this card at all. So it is carried here and not valued — the honest shape for a card whose price nobody wrote down. On 1 April 2020 Andhra Bank was amalgamated into Union Bank of India.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes a fee — every net-value number here would be wrong by exactly the fee we can't find. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Andhra Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- No income proof required at all — issued against a lien on a term deposit at a 25% margin
- A minimum deposit of ₹10,000, the lowest entry bar anywhere on Andhra Bank's shelf
- Named in the bank's own reward-eligibility list, so it earned the same point per ₹100 at fifty paise as the unsecured cards
- The shelf-wide terms applied: nil admission fee, free lost-card insurance cover and 21 to 50 days of free credit
Watch out
- WITHDRAWN — Andhra Bank was amalgamated into Union Bank of India on 1 April 2020 and the MasterCard Electronic was not carried forward under its own name
- THE FEE WAS NEVER PUBLISHED: the bank's own subscription table prices three cards and omits this one, so it cannot be ranked, compared or put through the calculator
- Your money is locked up — the card runs against a pledged term deposit at a 25% margin, so a ₹10,000 deposit is not a ₹10,000 limit
- No airport lounge of any kind — Andhra Bank's lounge page covers Visa Signature and Visa Business Platinum only
- The reward point was worth fifty paise inside the bank's own catalogue and reached no airline, hotel or transfer partner
- A MasterCard Electronic is an authorisation-only product by design, so it would not work where a card cannot be checked online
What these points actually fly
No live transfer route takes ABLE REWARDS Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. Andhra Bank ceased to exist as a licensed bank on 1 April 2020, when it was amalgamated into Union Bank of India. While it was open this was the one card on the shelf that asked for no income proof: a lien on a term deposit with a 25% margin, minimum ₹10,000, and a branch manager's recommendation.
Andhra Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
1 dated change
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 1 Jan 1981Andhra Bank issues India's first Visa-branded credit cardCentralcard worked in India only, tiny acceptance → Visa network branding widens merchant acceptance
A year after Centralcard, Andhra Bank launched India's first Visa-branded credit card in 1981, plugging Indian plastic into a global network brand for the first time. Acceptance finally started to widen beyond a handful of merchants. The Visa/Mastercard duopoly that still routes nearly every Indian reward point starts here.
Verified against Andhra Bank's own documents on
Not published , and we will not invent it: the annual fee.
Every document behind this page — 3 of them, each with the day we read it
- official Andhra Bank's credit-card eligibility page (archived 01-Jan-2016) — the MasterCard Electronic's deposit-backed terms, and the bank's own Credit Card Division
- official Andhra Bank's Credit Card Features page (archived 03-Oct-2017) — this card named in the reward-eligibility list, and absent from every fee line on the page
- official Andhra Bank's Andhra Bancards fees-and-charges schedule (archived 27-Mar-2016) — the three-row subscription table this card is missing from