Andhra Bank VISA Platinum Credit Card
CancelIndia's self-described credit-card pioneer, at ₹1,000 a year and no airport door.
a year at ₹40,000 a month, after the fee
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 gift appears on the Platinum block of Andhra Bank's own credit-card page, only the first-year fee waiver
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Breaks even only by erasing its fee at ₹3,000 a month
At ₹3,000 a month — ₹36,000 a year — on the everyday mix this card returns ₹200 gross (earn ₹200) against a fee of ₹0 — the ₹1,000 is waived, the spend having cleared ₹30,000 a year = ₹200 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #989
Why #989 ₹1,000 a year, waived on ₹30,000 of spend, from a bank that called itself India's credit-card pioneer — Visa Platinum offers, a global concierge and no lounge at all. Carried for the record; Andhra Bank was merged into Union Bank of India on 1 April 2020.
The take
"Andhra Bank, the pioneer in Credit cards is proud to introduce VISA Platinum" is how the bank opened this card's page, and the boast is not baseless — Andhra Bank ran its own credit-card division out of Koti, Hyderabad, on its own licence, and this was the top of the consumer shelf until the Signature arrived above it. What it is: ₹1,000 a year, nothing to join, and nothing to renew if you put ₹30,000 or eighteen transactions through it in the previous year — a bar low enough that most holders never paid twice. Take it against a fixed deposit instead of an income proof and the subscription drops to ₹400. Add-ons for a spouse, children or parents cost ₹300 each, up to two. It was globally valid, ran a 5% minimum payment due, gave 21 to 50 days of free credit even on rollover, waived fuel surcharge up to ₹2,000 a day, and paid one reward point per ₹100 that the bank converted at fifty paise and credited to the account itself, with no redemption form to fill in. What it is not, and the bank's own pages are careful about this, is a lounge card. Andhra Bank's VISA Lounge Access page names Visa Signature and Visa Business Platinum; the consumer Platinum appears further down the same page with offers on airport shopping, hotels and car rentals and Visa's 24×7 travel concierge, and no airport door. The accident cover — ₹10 lakh for the main holder, ₹5 lakh for the add-on — was an option you bought at your own premium from 1 November 2012, not something included. The income bar was ₹3 lakh a year, or a ₹1,00,000 deposit at a 25% margin with no proof at all. On 1 April 2020 Andhra Bank was amalgamated into Union Bank of India.
Your renewal — keep, downgrade or cancel
This card reaches break-even by ERASING its fee, not by out-earning it: the waiver is the decision.
Keep, downgrade or cancel
₹1,000/yr at stake · 5 spend bands
The charge ₹0 joining, then ₹1,000/yr
The waiver ₹30,000 of spend in the year before renewal — about ₹2,500 a month — and the renewal fee is not charged.
Break-even ₹3,000 a month — ₹36,000 a year — is where this card's value crosses its fee, and it gets there by erasing the fee at the waiver rather than out-earning it.
At your spend
₹1,500 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹3,000 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹6,000 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹18,000 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹30,000 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
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 the numbers above are the whole 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
- ₹0 to join and ₹1,000 a year — waived in the first year outright, and after that on ₹30,000 of spend or eighteen transactions
- ₹400 a year instead of ₹1,000 if the card was issued against a deposit at a 25% margin
- One reward point per ₹100 at fifty paise a point, redeemed automatically to your account with no form to file
- Visa's 24×7 global concierge for travel, hospitality and emergency cash assistance, plus Visa Platinum merchant offers worldwide
- Globally valid, with 21 to 50 days of free credit even under the rollover option
- No fuel surcharge on purchases up to ₹2,000 a day
- Up to two add-on cards for spouse, children or parents at ₹300 a year each
- Optional group personal accident cover of up to ₹10 lakh for the main holder and ₹5 lakh for the add-on, at the cardholder's own premium
- An income bar of ₹3 lakh a year, or a ₹1,00,000 deposit with no income proof and no scoring model
Watch out
- WITHDRAWN — Andhra Bank was amalgamated into Union Bank of India on 1 April 2020 and the Platinum was not carried forward under its own name
- NO AIRPORT LOUNGE: the bank's own VISA Lounge Access page names Visa Signature and Visa Business Platinum, and lists this consumer Platinum with shopping and concierge offers only
- The reward point was only ever worth fifty paise inside the bank's own ABLE Rewards programme — no airline, no hotel, no transfer
- The ₹10 lakh accident cover is an OPTION you pay a premium for, not an included benefit
- Rollover ran 1.50% a month if the minimum was paid and 2.95% if it was not, and the shelf-wide rate rose to 2.50%/2.95% by 2017
- Late payment climbed in four bands to ₹600 above ₹25,001 outstanding
- Cash advances cost 3% with a ₹150 floor from 1 August 2016, capped at two withdrawals or ₹20,000 a day
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 →
Does your spend count toward the fee waiver?
not published — and we say which
₹30,000 a year is the bar that waives the ₹1,000 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. Andhra Bank states what the Andhra Bank VISA Platinum Credit Card earns, but has not published which spend categories count toward the fee waiver — the ₹30,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
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 the card went to bank customers, and to non-customers on a selective basis, on ₹3 lakh of annual income evidenced by two years of returns or Form 16 plus a salary slip — or against a deposit of ₹1,00,000 at a 25% margin with no income proof and no scoring model.
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 · the net-annual-value engine, at our house ₹/point
Every document behind this page — 3 of them, each with the day we read it
- official Andhra Bank's Credit Card Features page (archived 03-Oct-2017) — the Platinum's fee table, its waiver bars, the shelf-wide terms and the reward arithmetic
- official Andhra Bank's VISA Lounge Access & Offers page (archived 22-Dec-2016) — the Platinum's entry lists shopping, hotel and car-rental offers, and no lounge
- official Andhra Bank's credit-card eligibility page (archived 01-Jan-2016) — the bank's own Credit Card Division, its NEFT details and the seven-card shelf