Andhra Bank VISA Gold Credit Card
CancelFive lakh of accident cover the bank paid for, and half a percent back.
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 — the bank advertised no joining gift, only a nil admission fee and no annual subscription in the first year
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 ₹2,000 a month
At ₹2,000 a month — ₹24,000 a year — on the everyday mix this card returns ₹100 gross (earn ₹100) against a fee of ₹0 — the ₹1,000 is waived, the spend having cleared ₹23,000 a year = ₹100 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 #990
Why #990 A ₹1,000-a-year globally valid Visa Gold from a state-owned bank, carrying ₹5 lakh of accident cover the bank paid the premium on. Carried for the record; Andhra Bank was merged into Union Bank of India on 1 April 2020.
The take
Andhra Bank's Visa Gold was the workhorse of a shelf the bank ran itself, from a credit-card division in Koti, Hyderabad, and it is the rung where the bank's own money started showing up in the benefits. The accident insurance is the reason to notice it: ₹5 lakh of cover on the Gold against ₹2 lakh on the Classic and the MasterCard, and the schedule is explicit that "the premium is paid by the Bank" — not an option you consent to and get billed for, which is what the Platinum and Signature above it offered instead. The economics were plain and cheap. Nil admission fee, ₹1,000 a year, ₹400 for an add-on, and by 2017 no subscription at all in the first year and none afterwards if you had put ₹23,000 through the card in the previous one. Free credit ran 21 to 51 days. It was globally valid, which the Classic and the MasterCard beneath it were not when the schedule was printed — they were good in India, Nepal and Bhutan only. Cash advances cost 3% of the amount, and cash from an Andhra Bank ATM or branch carried no transaction fee at all. Fuel was the one place the card had a personality: transactions at HPCL pumps put through an Andhra Bank or ICICI terminal paid no transaction fee up to ₹3,000 a day, where every other pump charged 2.50% with a ₹10 floor — the residue of the HPCL co-brand the same schedule prices in the same row. Railway tickets cost 2.5% either way. The earn was one reward point per ₹100, worth fifty paise, run through the bank's own ABLE Rewards programme. There was no lounge, no airline and no transfer partner at any point in the card's life. 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 ₹23,000 of spend in the year before renewal — about ₹1,917 a month — and the renewal fee is not charged.
Break-even ₹2,000 a month — ₹24,000 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
- ₹5 lakh of accident insurance with the premium paid by the bank, against ₹2 lakh on the Classic and the MasterCard
- Nil admission fee and ₹1,000 a year, with an add-on at ₹400
- By 2017 the subscription was waived in the first year and afterwards on ₹23,000 of spend
- Globally valid, where the Classic and MasterCard were good in India, Nepal and Bhutan only when the schedule was printed
- 21 to 51 days of free credit on purchases
- No transaction fee at HPCL pumps on an Andhra Bank or ICICI terminal up to ₹3,000 a day, against 2.50% with a ₹10 floor everywhere else
- No fee for cash withdrawals or balance enquiries at Andhra Bank's own ATMs and branches
- One reward point per ₹100 at fifty paise a point through the bank's ABLE Rewards programme
Watch out
- WITHDRAWN — Andhra Bank was amalgamated into Union Bank of India on 1 April 2020 and the Visa Gold was not carried forward under its own name
- No airport lounge of any kind — Andhra Bank's own VISA Lounge Access page names only Visa Signature and Visa Business Platinum
- The reward point was worth fifty paise inside the bank's own catalogue and reached no airline, hotel or transfer partner
- Cash advances cost 3% of the amount withdrawn, and by 2016 carried a ₹150 floor plus finance charges from the day of withdrawal
- Rolling a balance cost 1.75% a month if the minimum was paid and 2.5% if it was not, which the bank itself annualises as 21% and 30%
- Railway ticket purchases and cancellations carried a 2.5% fee with a ₹25 floor
- Hotlisting a lost card cost ₹200 whether or not the card was found again
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
₹23,000 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 Gold Credit Card earns, but has not published which spend categories count toward the fee waiver — the ₹23,000 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 bar was a gross salary of ₹20,000 a month with ₹10,000 net, or gross income of ₹2.40 lakh a year — relaxed for the bank's own customers, and waived entirely against a lien on a term deposit at a 25% margin.
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 Andhra Bancards fees-and-charges schedule (archived 27-Mar-2016) — the nil admission fee, the ₹1,000 Gold subscription, the bank-paid accident cover and the HPCL fuel waiver
- official Andhra Bank's Credit Card Features page (archived 03-Oct-2017) — the later waiver bars, global acceptance and the reward arithmetic
- official Andhra Bank's VISA Lounge Access & Offers page (archived 22-Dec-2016) — the two cards Visa's lounge programme covered, and the Gold is not one of them