| Joining Fees
|
₹500
|
| Annual Fees
|
₹500
|
| Joining Fee Waiver
|
NA
|
| Annual Fee Waiver (2nd Year Onwards)
|
₹50,000 in an Anniversary Year
|
| Add on Card Fees
|
₹200
|
| Interest Charges on outstanding Balances
|
3.5% (Annualized Rate - 42%)
|
| Minimum Amount Due (MAD) (It will reflect in statement in column of minimum amount due)
|
MAD can be 5% or 10% of TAD as decided by the Bank
|
| ATM Cash Advance Fees
|
2.5% of Advance amount subject to minimum of ₹500
|
| Late Payment Charges ("LPC")
|
Due as per last statement LPC Charges
|
| <₹100 ₹0
|
| ₹ 100 – ₹500 ₹100
|
| ₹ 501 – ₹5,000 ₹500
|
| ₹ 5,001 – ₹10,000 ₹600
|
| ₹ 10,001-₹25,000 ₹800
|
| ₹25,001-₹50,000 ₹1,000
|
| >₹50,000 ₹1,200
|
| Over Limit Charge
|
₹500
|
| Cheque Bounce Charges
|
2% of Bounce amount,subject to minimum of ₹500
|
| Auto Debit Return/Standing Instructions Failure Charges
|
2% of Bounce amount,subject to minimum of ₹450
|
| Foreign Currency Mark Up Fees
|
3.5% of Transaction Amount
|
| Cash Payment Charges
|
₹100
|
| Card Replacement Fees
|
₹100 per card issuance
|
| Image Card Fees
|
₹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)
|
Waived*
|
| Fuel Surcharge (1% of Transaction Amount)
|
Waived**
|
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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