Andhra Bank Atm Debit Card - Benefits, Charges and Eligibility
Andhra Bank Atm Debit Card Overview
The Andhra bank debit card can be used for drawl of cash through all ATMs and for making purchases at merchant locations. Salient features of ATM CARD are funds transfer, mobile banking, registration for SMS alerts & Mobile recharge, credit Card bill Payments and balance enquiry etc.
Andhra Bank Atm Debit Card Features
- Cardholders can Withdraw Cash of Rs. 25000/- per day and do many other transactions using it
- A cardholder can operate and link to a single ATM card, up to 10 accounts
- If the account is in Joint Names, Andhra Bank provides both the account holders with individual/ separate ATM/ Debit cards.
- Fund Transfer from one account to another linked to card from Andhra Bank's ATMs
- Operate multiple accounts with a single card from Andhra Bank's ATMs
- Deposit cheque/cash from Andhra Bank's ATMs
- Request for a cheque book/statement of account from Andhra Bank's ATMs
- Get Mini Statements from Andhra Bank's ATMs
- Change PIN from Andhra Bank's ATMs
- Can do Balance Enquiry from Andhra Bank's ATMs
- The validity of the card will be 10 years from the date of issue.
- It is issued in association with VISA
- Rail Ticket Booking Facility is made available to all debit card holders of Andhra Bank through IRCTC Website through a separate gateway.
Andhra Bank Atm Debit Card Eligibility
- Applicant's age should be at least 18 years
- Applicant needs to have a Current or Savings Account with the Bank
Andhra Bank Atm Debit Card Fees & Charges
- The Card will be issued free of cost to primary and joint holders free of cost for the first year.
- From the second year onwards Bank will charge an annual fee of Rs. 75/- only for renewal of the card every year.
- For Booking of railway tickets : In addition to IRCTC charges, 2.5 % on the transaction amount subject to a minimum of Rs.10/- per transaction + applicable GST.
- For purchase of fuel at petrol pumps : 2.5% on the transaction amount subject to a minimum of Rs.10/- per transaction.
- For Debit Card transactions on other VISA ATMs, charges shall be according to VISA regulations.
Andhra Bank Atm Debit Card Benefits
- Widely accepted debit card
- Round the clock cash withdrawal facility
- 24/7 customer care facility
- Add-on card benefits available
- Highly safe and secure transactions
Andhra Bank Atm Debit Card How to Apply
- Any individual, holding Savings or Current group of account and having rights to operate the account in his/her individual capacity, is eligible for ATM or Debit Card of Andhra Bank.
- All CBS branches are providing the Debit Card facilities.
- You must have a Savings or Current Account with the bank. If you do not have a Current or Savings Account, then you need to first open your account with Andhra bank.
- You need to submit the application form to the Branch along with your recent photograph.
- Within a short period, you will receive your personalised ATM-cum Debit Card.
- You can collect the PIN (Personal Identification Number) from your Branch on receipt of the Card.
- You should change the PIN (Personal Identification Number) at any Andhra Bank ATM at the first opportunity.
Andhra Bank Atm Debit Card Documents Required
- Proof of Identity : Aadhaar Card/ PAN Card/ Passport Driving License/ Voter ID Card
- Proof of Address : Aadhaar Card/ Driving License/ Ration Card/ Voter ID Card/ Passport
- Passport sized photographs
What is EMV-Chip Based Debit Card?
EMV stands for Europay MasterCard and Visa, who developed this technology. EMV-chip based debit cards are the debit cards which have embedded microprocessor chip that stores and protects cardholders' information/ data. It uses enhanced security features to protect the important date of the card holders and discourages card's unauthorized usage.
EMV-chip based debit card generates fresh user data every time the user transacts. Therefore, it is impossible for hackers/ fraudsters to steal the information or copy the original data from any card. Further, EMV technology uses your debit card as well as PIN to complete any transaction.
The Reserve Bank of India (RBI) has asked all banks in the country to replace magnetic-strip debit/ credit cards with EMV-chip based cards by 31 December 2018 as magnetic cards are quite vulnerable to skimming. Banks have already replaced the existing magnetic strip debit/ credit cards with latest EMV chip cards. Banks will provide it free of cost.