1 ABLE REWARDS point is worth ₹0.50 in India.
₹0.50₹500 per 1,000 points, our house mark
₹0.50 · first marked 1 Apr 2012, never re-marked since
How we got this ₹ figure
₹0.50 is our HOUSE value for a point — what a disciplined traveller actually clears, not the best redemption we have ever seen (₹0.50, the ceiling) and not the worst you can always fall back on (₹0.50, the floor). It is the number every route on this page is priced with.
We hold one dated point for ABLE REWARDS Points — the mark itself. There is no earlier valuation on our record, so this page shows no trend line rather than drawing one. How we value a point →
Which of my cards reach it? — 6 do
6 cards earn ABLE REWARDS Points outright. The figure is the reward rate — what ₹100 of ORDINARY spend earns back at our house ₹/point, before milestones, accelerators and the annual fee. How we compute it →
Andhra Bank Signature Credit Card0.5%Andhra BankAndhra Bank VISA Platinum Credit Card0.5%Andhra BankAndhra Bank VISA Gold Credit Card0.5%Andhra Bank3 more cards that earn it — same ranking, best first
ANDHRA BANK PUBLISHED THIS PRICE ITSELF, WHICH IS RARE ENOUGH TO BE THE WHOLE ROW. The bank's own credit-card page carried a shelf-wide "Reward Points- Earn while spending" block, and it printed both halves of the arithmetic: "ONE reward point is allotted on every spent of Rs.100/-" and, twice over, "Conversion price @ Rs.0.50 paisa on every point earned" — once "for platinum & signature cards" and once "for classic & gold cards". A published conversion price is not a community estimate and not a house guess; it is the issuer's own number, so value, floor and ceiling are the same ₹0.50 and this row does not carry a band. SCRIP, NOT MONEY, and the file's own test decides it: a unit is `money` when the issuer's document credits ONE UNIT TO THE CARD ACCOUNT AS ONE RUPEE. Andhra credits to the account — "Bank shall redeem the Reward points automatically to the cardholder's account without any request from the cardholder" — but at fifty paise a point, so the unit is not the rupee. Same shape as DBS Vantage Points: a price the issuer puts on its own unit. NO ROUTE OUT, and none is claimed. The points moved to the bank's ABLE REWARDS programme ("From Now onwards, your loyalty points will be maintained in our ABLE REWARDS Programme … kindly visit our Andhra bank loyalty Engagement website www.ablerewards.com"), and no Andhra document names an airline, a hotel or any transfer partner. The currency is absent from both transfer files, so the six cards it prices are admitted on their own gates and never on gate 2. A FROZEN ERA, MARKED HONESTLY. Andhra Bank was merged into Union Bank of India on 1 April 2020 and no successor programme document names ABLE REWARDS. `trend: flat` is therefore literal rather than optimistic — a fixed conversion price on a bank that no longer issues cannot move, and there is no market that could re-mark it. What this row prices is what the cards paid while they were live, which is the honest thing a valuations desk can say about six withdrawn cards.
ABLE REWARDS Points has held — we grade its nerf risk stable No cuts on record — 1 tracked event, all clean How we grade it →
Expiry: Not published. The reward block states the accrual, the conversion price and the 1 April 2012 commencement, and names no lapse; the ABLE REWARDS site it defers to no longer resolves. The silence is recorded rather than filled from a sibling programme.
No corridor on our board prices a seat in ABLE REWARDS Points against a published chart — every option that reaches it is dynamic, and an estimate is not a seat. the 2,196 corridors that DO have a verified price →
The nerf log
Full tracker →Every tracked event that touches ABLE REWARDS Points.
- 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.
Straight answers
The questions people actually type about ABLE REWARDS Points — answered from the same data as everything above, with the same numbers.
What is 1 ABLE REWARDS point worth in INR?
Our desk marks ABLE REWARDS Points at ₹0.50 a point — so 1,000 points are worth ₹500 and 10,000 are worth ₹5,000. That is the number every route on this page is priced with. The ₹0.50 floor is the redemption you can always fall back on; the ₹0.50 ceiling is the best sweet spot we have actually verified. The mark is holding flat, last reviewed 24 Aug 2026. The valuation index prices it against every other program we cover.
Which Indian cards earn ABLE REWARDS Points?
6 Indian cards earn ABLE REWARDS Points outright. Best-ranked earners: Andhra Bank Signature Credit Card, Andhra Bank VISA Platinum Credit Card and Andhra Bank VISA Gold Credit Card, the best of them at 0.5% reward rate. The card list above names each of them with its rank, its ratio and what one of its points becomes here.
When did ABLE REWARDS Points last devalue?
Never, on our record. We hold 1 tracked event touching ABLE REWARDS Points and not one of them is a devaluation. Read that as an absence of evidence, not a promise — the nerf log below is the full sourced history, and the nerf-risk grade still reads stable.
Verified against Andhra Bank (merged into Union Bank of India, 1 April 2020)'s own documents on · our house ₹/point, ₹0.50 today
Not published , and we will not invent it: how long posting takes · its award terms — surcharges and the booking window.