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Fees & Charges

Fee & other Parameters	Bestprice	BestPrice-Premium
Joinig Fees	Nil	Nil
Annual Fees	Nil	Rs. 999
Condition for waiver of Annual Fees - First Year	NA	NA
Condition for waiver of Annual Fees - Second Year	NA	NA
Addon card Fees	Nil	Nil
Interest Charges on outstanding Balances	3.40% (Annualized 40.8%)	1.5% (Annualized 18.0%)
Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)	NA	NA
ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof	NA	NA
Late Payment Charges ("LPC")***	NA	NA
Over Limit Charge	NA	NA
Cheque Bounce Charges	Rs. 500	Rs. 500
Foreign Currency Mark Up	NA	NA
Railway Booking Surcharge ( on transaction amount)*	NA	NA
Fuel Surcharge**	NA	NA
Fee for Cash payment at Bank	Rs. 100	Rs. 100
Outstation Cheque Processing Fee	Waived	Waived
Reissue/ Replacement Card (per issunace)	Waived	Waived
Charge Slip Request	Waived	Waived
Machine Surcharge at ATMs	NA	NA
Balance Enquiry Charges at Non Parent Bank ATM	NA	NA
Duplicate Statement Request	Waived	Waived
Web Pay Service Fee	NA	NA
*For Most Important Terms & Conditions (MITC) and Card Holders Agreement
Please Note: All the taxes would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on your Credit Card

*For Most Important Terms & Conditions (MITC) and Card Holders Agreement to Click here

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Frequently Asked Questions

Can the shopkeeper charge an extra 2% for card payments?

A. Credit card companies and banks charge higher fees to recover the cost of lending money to customers. But, they urge merchants not to pass credit card swipe charges to customers and instead bear it themselves. In some places, merchants can charge customers an extra fee for using credit or debit cards to cover the processing costs.

How to pay rent through credit card?

A. The easiest way to pay rent is using credit cards. In this nothing is debited from your bank account. Instead the money is paid via the available line of credit. Rent payment through credit card is easy and just a few clicks away when it is linked to your UPI enabled app. Now you know how to pay rent through credit card.

What is a Credit Card?

A credit card is a transactional card that enables the holder to make purchases of goods and services or withdraw advance cash on credit.

Banks and financial institutions issue it to bring the convenience of payment. Credit cards act as a microloan tool where the individual makes purchases under the condition of paying off the same within a specific time period. There are no interest payouts if the due amount is paid within a specific time (interest-free period). The issuer pre-sets a custom borrowing limit, determining the maximum amount of credit a user can spend from a credit card. Credit cards allow users to save big through discounts and deals, making them popular.

Should I apply for a balance transfer credit card?

You may proceed with the balance transfer option if you see possible savings out of it. Paying high-interest debt doesn’t make sense when you can qualify for a new card with a 0% APR. This way, you can consolidate your debt and pay them off without any hassle. Many balance transfer credit cards offer a 0% or low interest rate on balance transfers for an introductory period, which can allow you to save money on interest charges while you pay down your debt.

What is the coverage scope of CPP membership in India

The coverage under CPP credit card protection membership in India is generally limited to the protection against loss, theft or misuse of the member's credit cards, debit cards, and other cards. CCP credit card protection also protects unauthorized transactions and emergency card replacement services.

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