Andhra Bank Signature Credit Card
CancelA government bank's Visa Signature, where even the lounge came with an invoice.
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 gift ever appeared on the Signature block of Andhra Bank's own credit-card page
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 #988
Why #988 The top of a state-owned bank's own credit-card shelf — Visa Signature, ₹10 lakh of income to qualify, ₹30 lakh of accident cover you paid the premium on, and airport lounges you paid to enter. Carried, not valued: the bank published the waiver and never the fee. Andhra Bank was merged into Union Bank of India on 1 April 2020.
The take
Andhra Bank called itself "the pioneer in Credit cards", and it meant it: it ran its own credit-card division out of Koti, Hyderabad, on its own licence, for decades. The Signature was the top of that shelf, and it is the most interesting card the bank ever issued precisely because of how carefully it stopped short. It gets airport lounge access at selected airports in India — and the bank's own line is that you enter "for a nominal fee of US$27.00". That is the Visa Signature paid-entry programme, not a complimentary quota, and Andhra Bank published no lounge list of its own to go with it. The same honesty runs through the insurance: group personal accident cover of up to ₹30 lakh for the main cardholder and the add-on holder alike, at a premium of ₹1,401 a card charged to the cardholder. What the bank did give free was ₹1.5 lakh of lost-card insurance. Everything else was Visa's: season-to-season offers on travel, dining, retail and entertainment, Visa's 24×7 global concierge for travel, hospitality and emergency cash. From Andhra Bank itself: a minimum card limit of ₹2,00,000, no fuel surcharge up to ₹4,000 a day, rollover service charges of 2.00% a month, a year-end account summary broken down by spending activity, and one reward point per ₹100 worth fifty paise — a flat half a percent, redeemed through the bank's ABLE Rewards site. The bar was ₹10 lakh of annual income, or a fixed deposit with a 25% margin if you would rather not prove it. And the fee for all this is the one number Andhra Bank never printed anywhere the Archive holds — only the escape from it, at ₹2.70 lakh of annual spend. On 1 April 2020 Andhra Bank was amalgamated into Union Bank of India and the shelf went with it.
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
- Airport lounge access at selected Indian airports through Visa Signature — paid entry at US$27 a visit, not a complimentary quota
- Free lost-card insurance cover of up to ₹1.5 lakh
- Optional group personal accident cover of up to ₹30 lakh for the main and add-on cardholder, at ₹1,401 a card
- Visa's 24×7 global concierge for travel, hospitality and emergency cash assistance
- No annual subscription from the second year if you spent ₹2.70 lakh in the previous one
- No fuel surcharge on purchases up to ₹4,000 a day
- A minimum card limit of ₹2,00,000
- Rollover service charges of 2.00% a month, against 2.50% on the rest of the shelf
- Issuable against a fixed deposit at a 25% margin 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 Signature was not carried forward under its own name
- THE ANNUAL FEE WAS NEVER PUBLISHED: the bank printed the spend that waives it and not the charge itself, so this card cannot be ranked, compared or put through the calculator
- The lounge is not free — Andhra Bank's own words are "for a nominal fee of US$27.00", which is Visa's paid-entry programme
- The ₹30 lakh accident cover is an OPTION you buy at ₹1,401 a card, not an included benefit
- One reward point per ₹100 at fifty paise a point is a flat 0.5%, and the points were only ever redeemable through the bank's own ABLE Rewards catalogue
- An income bar of ₹10 lakh a year, and cards were issued to non-customers only on a selective basis
- Cash advances cost 3% of the amount with a ₹150 floor from 1 August 2016, and carry finance charges from the day of withdrawal
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
₹2,70,000 a year is the bar that waives a fee no issuer document states. 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 Signature Credit Card earns, but has not published which spend categories count toward the fee waiver — the ₹2,70,000 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 existing customers, and to non-customers only on a selective basis, on ₹10 lakh of annual income evidenced by two years of returns or Form 16 plus a salary slip — or against a fixed deposit at a 25% margin with no income proof at all.
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 Features page (archived 03-Oct-2017) — the Signature's lounge access, insurance, rollover rate and the waiver it published instead of a fee
- official Andhra Bank's VISA Lounge Access & Offers page (archived 22-Dec-2016) — which of its cards Visa's lounge programme actually covered, and who ran it
- official Andhra Bank's credit-card eligibility page (archived 01-Jan-2016) — the seven-card shelf and the bank's own Credit Card Division