Joining Fees
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₹500
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Annual Fees
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₹500
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Joining Fee Waiver
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NA
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Annual Fee Waiver (2nd Year Onwards)
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₹50,000 in an Anniversary Year
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Add on Card Fees
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₹200
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Interest Charges on outstanding Balances
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3.5% (Annualized Rate - 42%)
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Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)
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MAD can be 5% or 10% of TAD as decided by the Bank
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ATM Cash Advance Fees
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2.5% of Advance amount subject to minimum of ₹500
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Late Payment Charges ("LPC")
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Due as per last statement LPC Charges
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<₹100 ₹0
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₹ 100 – ₹500 ₹100
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₹ 501 – ₹5,000 ₹500
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₹ 5,001 – ₹10,000 ₹600
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₹ 10,001-₹25,000 ₹800
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₹25,001-₹50,000 ₹1,000
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>₹50,000 ₹1,200
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Over Limit Charge
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₹500
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Cheque Bounce Charges
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2% of Bounce amount,subject to minimum of ₹500
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Auto Debit Return/Standing Instructions Failure Charges
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2% of Bounce amount,subject to minimum of ₹450
|
Foreign Currency Mark Up Fees
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3.5% of Transaction Amount
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Cash Payment Charges
|
₹100
|
Card Replacement Fees
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₹100 per card issuance
|
Image Card Fees
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₹99 per card image
|
Rental Payment Charges
|
1% of Transaction Amount levied for all transactions done on MCC 6513
|
Credit Limit Increase Charges
|
₹100
|
Railway Booking Surcharge (1.8%/2.5% of Transaction Amount)
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Waived*
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Fuel Surcharge (1% of Transaction Amount)
|
Waived**
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Note: GST/Applicable taxes, would be charged as per the rates approved in the Finance Act each year on all interest & fees and other charges levied on the Credit Card.
*Save Railway Surcharge of 1.8% for transaction on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters. Maximum Railway Surcharge Waiver allowed in a calendar year is Rs. 500/-
**Fuel Surcharge Waiver applicable for transactions done in range of ₹500-₹3,000. Maximum Fuel Surcharge Waiver allowed in a year is ₹3,500
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