Andhra Bank VISA Corporate Credit Card
CancelFifty lakh across the company, ten on any one card, and no price on either.
no published earn rate to price
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 the Corporate card on Andhra Bank's own pages
Not valued. We can't value this card until the issuer publishes a fee schedule AND an earn table — we have neither number, so there is nothing to net off against nothing. Everything we can source — the fee, the charges, the migration that put this card in your hand — 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 terms 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 #994
Why #994 A state-owned bank's own corporate card, capped at ₹50 lakh across a company and ₹10 lakh on any one card, priced nowhere. Carried, not valued; Andhra Bank was merged into Union Bank of India on 1 April 2020.
The take
Andhra Bank ran its credit-card book itself, out of a division in Koti, Hyderabad, and the Corporate card was the one rung on that shelf sold to companies rather than people. The bank published its shape and almost nothing else: any public or private limited company with a net worth of at least ₹25 lakh could apply, the overall limit across the company was capped at ₹50 lakh, and no single card could carry more than ₹10 lakh of it. Applications needed a board resolution, the PAN, the memorandum and articles of association, and two years of audited balance sheets. It was globally valid — the bank's own acceptance line names "Visa Platinum, Visa Gold, Visa Corporate, Visa Classic and Master Card" together — which put it ahead of the Classic and the MasterCard for a travelling employee, whose membership terms restricted them to India, Nepal and Bhutan. Two things the bank never published, and both matter. The first is the fee: the printed subscription table prices three consumer cards and stops, and no later page reaches this one. The second is the earn: Andhra Bank's reward-eligibility line lists five card types and the Corporate card is not among them, so it may have earned nothing at all — the bank never said either way. What is left is a payment instrument with published limits, a published income test for the company and a published document list, which is enough to describe and not enough to value. 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 schedule AND an earn table — we have neither number, so there is nothing to net off against nothing. 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
- Globally valid, where the bank's own Visa Classic and MasterCard were restricted to India, Nepal and Bhutan by their membership terms
- A company-wide limit of up to ₹50 lakh, with no single card exceeding ₹10 lakh
- Open to any public or private limited company with a net worth of at least ₹25 lakh
- Cards operated by the company's nominated staff members
- 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 Corporate card was not carried forward under its own name
- THE FEE WAS NEVER PUBLISHED: the bank's subscription table prices three consumer cards and never reaches this one, so it cannot be ranked, compared or put through the calculator
- THE REWARD PROGRAMME MAY NOT HAVE COVERED IT: the bank's eligibility line names Platinum, Gold, Classic, Visa and MasterCard affiliations and MasterCard Electronic — and not the Corporate card
- No airport lounge — Andhra Bank's lounge page names Visa Signature and Visa Business Platinum, and this is neither
- The application needed a board resolution, the memorandum and articles, and two years of audited balance sheets
What these points actually fly
Andhra Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
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 the test was on the company, not the employee: any public or private limited company with a minimum net worth of ₹25 lakh, applying with a board resolution, PAN, memorandum and articles of association and two years of audited balance sheets.
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 · the earn rate and the currency it earns.
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 Corporate card's net-worth test, its two limit caps and the documents it required
- official Andhra Bank's Credit Card Features page (archived 03-Oct-2017) — the Corporate card's global acceptance, and its absence from every fee and reward line
- official Andhra Bank's Andhra Bancards fees-and-charges schedule (archived 27-Mar-2016) — the consumer-only subscription table this card is missing from