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Andhra Bank Credit Card Reward Points

Credit cards are most productive when used judiciously, meticulously and above all smartly. Reward points accumulated from various purchases can get the cardholder tons of benefits in terms of reducing the monthly bill payment or getting discounts on select products or any other compliments.

Andhra Bank, one of the major banks in India, provides five types of credit cards catering to the needs of various customers based on their credit needs and profile. The credit cards are: Visa Classic, Visa Platinum, Visa Signature, Rupay Platinum and Rupay Select.

Andhra Bank Credit Card Rewards

Designed to meet the spending habits of various customers, Andhra bank provides 5 credit cards that could be categorised into lifestyle, travel, shopping, cashback etc. Some of the cards with an insurance cover, providing protection against accidents. Let us explore more about the rewards and benefits that a cardholder can enjoy from each credit card of Andhra Bank.

Name of the cardCategoryReward Points
Visa ClassicLifestyle3 points for every INR 150 spent
Visa PlatinumLifestyle5 points for every INR 150 spent
Visa SignatureTravel5 points for every INR 150 spent
Rupay PlatinumCashback10 points for every INR 150 spent
Rupay SelectTravel5 points for every INR 150 spent

Lifestyle Credit Cards

An individual will definitely have expenses related to his/her lifestyle. From shopping to paying bills for utilities, one will need money to pay them off. Lifestyle credit cards offered by Andhra Bank can be of a great help as it allows you to pay later for the purchases made. The benefit is double as you can earn reward points for every spend.

Andhra Bank Visa Classic Credit Card: This credit card is suitable for those who does a lot of shopping or any transaction for paying bills. You can get 3 reward points for every spend of INR 150.

Andhra Bank Visa Platinum Credit Card: Comes with an accidental insurance protection, this credit card is accepted at 9 Lakhs merchants in India and 29 million merchants abroad. You can earn 5 reward points for every spend of INR 150.

Travel Credit Cards

Everyone travels for various reasons and purposes. A travel becomes a much more rewarding experience with Andhra Bank travel credit cards.

Andhra Bank Visa Signature Credit card: From complementary lounge access to insurance cover, this credit card is a good companion for all your travelling needs. You can earn 5 reward points on every spend of INR 150.

Andhra Bank Rupay Select Credit Card: With discounts on ticket and hotel bookings, you will get 10 reward points on every of INR 150.

Cashback Card

It is an incredible thing that the expenses made through a credit card can save you a lot of money. With cashback offers, for every retail purchase, your credit card accumulates a cashback point which can ultimately be used to reduce the monthly bill amount.

Andhra Bank Rupay Platinum Credit Card: With fuel surcharge waiver, concierge services, insurance cover and discounts on utilities, this credit card provides 10 reward points on every spend of INR 150.

Andhra Bank Credit Cards Reward Point Program

All the credit cards provided by Andhra are eligible for reward points on minimum transaction of INR 150. The reward points might vary for each credit card depending on the category. Visa Classic card get you 3 reward points, Visa Signature and Platinum cards get you 5 reward points and Rupay Platinum and Select cards can get you 10 reward points on every spend of INR 150.

The reward points will be allotted only the transaction is done through POS terminals, IVR, internet and MOTO. The earned reward points can be converted to cashback points. One reward point is equivalent to INR 0.10 Paisa. Hence when you earn 10 reward points, you can convert it to 1 rupee.

Andhra Bank has the sole rights to substitute the reward points with gifts vouchers or gift cards. If you hold multiple credit cards, the reward points from card is not transferrable to another credit card.

How to Earn Andhra Bank Credit Card Reward Points?

For every transaction done through the Andhra Bank credit card, the reward points will be credited to your rewards account. The reward points will be accumulated depending on the type of card you use, and reward points allocated to the minimum spend.

The reward points accumulated should be redeemed within 2 years and after that it will get expired. The minimum reward points to be gathered for accumulation is 2500 and below that number cannot redeemed.

How to Redeem Andhra Bank Credit Card Reward Points?

Customers can login to their credit card account and view the reward points accumulated. You will be able to redeem the points only if you have gathered the minimum of 2500 reward points. It can either be converted a cashback point or redeemed against various products, gift cards and gift vouchers.

With your reward points, you can purchase the products on popular e-commerce websites such as Flipkart, Amazon etc for a wide variety of fashion, electronic, food, recharge etc.

Andhra Bank Credit Card Reward Points FAQ

1. What is the minimum and maximum reward points the cardholder can get from using Andhra Bank credit cards?

Minimum of 3 reward points and maximum of 10 points can be earned from Andhra Bank credit card.

2. When will the reward points accumulated will get expired?

You will have to redeem the reward points within 2 years.

3. Can I transfer the reward points from one credit card to another?

No, Andhra Bank credit card reward points cannot be transferred to another credit card.

4. Can the reward points be converted to cashback points?

Yes, you can convert the reward points to cashback points. One reward point is equal to 0.10 Paisa.

5. What is the minimum amount to be spent to get reward points?

Minimum of INR 150 should be spent to get reward points.

Good Credit Card Repayment Behaviour and Benefits

A credit card provides you huge benefits if used responsibly. Paying the bills on-time is very much important to your credit score. When you default on the payments, it adds more debts in the form of interest. With that scenario, it is no use of gathering reward points and expecting benefits out of it.

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