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Andhra Bank Debit Card

Debit cards have become increasingly common in today’s world. They are beneficial as they act as ATM cards for money withdrawals to buy items that are needed. They are convenient, easy to get and are very safe. The problems of carrying money in hand, standing at ATM queues, waiting in line for payment of bills and the risk of robbery are all done away, with the use of a Debit Card. In addition to all this, a debit card has many more features such as cashbacks, discounts, partner tie-ups, airport lounge access, reward points and so on.

Andhra Bank offers RuPay Chip Debit Card for domestic use and Visa Platinum Chip Debit Card that is accepted globally.

General features of Andhra Bank Debit Card

Andhra Bank offers many privileges on its debit card. You can be worry-free as you are not carrying hard cash all around. This keeps the entire financial transaction risk free. Some of the main features of Andhra Bank Debit Card are:

  • ATM facility
  • Andhra Bank Debit Cards can be used for cash withdrawal at ATMs. They can also be used for transferring funds, mobile banking, to register for SMS alerts and mobile recharges, to make credit card bill payments, to link Aadhaar number to account, for account statements, balance enquiry, to make donations to Tirupathi and Shirdi temples and for card to card fund transfer.

  • Chip Debit Card
  • As per RBI guidelines, Andhra Bank has begun to issue Chip Debit Cards since February 2016. This reduces the risk of fraudulent transactions. It functions differently from the magnetic stripe on the back of other debit cards, thereby making it difficult to counterfeit.

  • Individual cards provided
  • Andhra Bank provides individual cards for the joint account holders so that banking and transactions are made easy and convenient for all the account holders.

  • Security
  • There is complete security that is provided through one’s own special PIN (Personal Identification Number). The customer can only operate his/her account through an ATM using this PIN. For further security, the PIN can be changed to any other number combination as and when the customer wants.

  • NFS
  • Andhra Bank has joined with NFS (National Financial Switch) to provide sharing facility for ATM operations. They also have a bilateral sharing arrangement with Indian Bank. So, Andhra Bank offers its cardholders access to more than 1,00,000 ATMs across India.

  • Convenience
  • The cardholder can operate up to a maximum of 10 accounts, across 10 branches at 10 different towns by linking them to a single ATM Card and money can be withdrawn from any of the linked accounts.

Additional features of Andhra Bank Debit Card

  • Global validity
  • The cardholder can withdraw cash and enquire balance from over 8,00,000 ATMS, across over 150 countries in the world. This helps the individual with his currency of choice.

  • Global online transactions
  • The cardholder can buy products at over 12,00,000 merchant establishments across the world with online authorization transactions. This is debited from the primary account of the cardholder only.

  • Book rail tickets
  • The cardholder can use his/her Andhra Bank Debit Card to easily book rail tickets through IRCTC.

Eligibility criteria for Andhra Bank Debit Card

  • All customers who have operating accounts such as Savings Bank accounts or Current accounts and fulfil the other criteria that are given by the Andhra Bank from time to time are eligible to apply for the Debit cards.
  • If one does not have a Savings Bank account or a Current account, one must first one an account in one of the networked branches of the bank.
  • Mandate/Power of attorney holders are not eligible for the issue of this Debit card.
  • Accounts operated jointly with minors as joint depositors, proprietary and partnership accounts, company accounts, trust accounts, etc are not eligible.

FAQs: Andhra Bank Debit card

(1) Can I book rail tickets with an Andhra Bank Debit Card?

Yes, the cardholder can use his/her Andhra Bank Debit card to easily book rail tickets through IRCTC.

(2) What is a CVV number?

Card Verification Value (CVV) for Visa and Mastercard are used for online transactions. It is the final 3 digits of the number printed on the signature behind the debit card.

(3) Is Andhra Bank Debit Card safe?

Yes, as per RBI guidelines, Andhra Bank has begun to issue Chip Debit Cards since February 2016. This reduces the risk of fraudulent transactions. It functions very differently from the magnetic stripe on the back of other debit cards, thereby making it difficult to counterfeit. This makes the card very safe to use.

(4) Who are eligible to apply for Andhra Bank Debit card?

All customers who have operating accounts such as Savings Bank accounts or Current accounts and fulfil the other criteria that are given by the Andhra Bank from time to time are eligible to apply for the Debit cards. Mandate/Power of attorney holders are not eligible for the issue of this Debit card. Accounts operated jointly with minors as joint depositors, proprietary and partnership accounts, company accounts, trust accounts, etc are not eligible.

(5) What are the debit cards offered by the Andhra Bank?

Andhra Bank offers RuPay Chip Debit Card for domestic use and the Visa Platinum Chip Debit Card which is accepted globally.

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