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|Fee & other Parameters||Privy League - Paid Card||Privy League - Free Card|
|Addon card Fees||Nil||Nil|
|Interest Charges on outstanding Balances||2.49% (Annualized 29.88%)||2.49% (Annualized 29.88%)|
|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||MAD can be 5% or 10% of TAD as decided by the Bank|
|ATM Cash Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof||Rs. 300||Rs. 300|
|Late Payment Charges ("LPC")||Rs. 100 for statement o/s less than or equal to Rs. 500||Rs. 100 for statement o/s less than or equal to Rs. 500|
|Rs. 500 for statement outstanding between Rs. 501 to Rs. 10,000||Rs. 500 for statement outstanding between Rs. 501 to Rs. 10,000|
|Rs. 700 for statement outstanding greater than Rs. 10,000||Rs. 700 for statement outstanding greater than Rs. 10,000|
|Over Limit Charge||Rs. 500||Rs. 500|
|Cheque Bounce Charges||Rs. 500||Rs. 500|
|Foreign Currency Mark Up||2%||3.5%|
|Railway Booking Surcharge ( on transaction amount)*||Waived||Waived|
|Fee for Cash payment at Bank||Rs.100||Rs.100|
|Outstation Cheque Processing Fee||Waived||Waived|
|Reissue/ Replacement Card (per issunace)||Rs. 100||Rs. 100|
|Charge Slip Request||Waived||Waived|
|Machine Surcharge at ATMs||Waived||Waived|
|Balance Enquiry Charges at Non Parent Bank ATM||Waived||Waived|
|Duplicate Statement Request||Waived||Waived|
|Web Pay Service Fee||Waived||Waived|
|Furnishing a copy of Credit Information Report (CIBIL) (Effective 5th April)||Rs. 50||Rs. 50|
|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 your Credit Card|
|^Annual fee of Rs. 2,500 can be waived either by maintaining Insignia or True Optima Banking^^ Relationship or by spending Rs. 5 lakhs in previous year|
|*Maximum Railway surcharge waiver of Rs. 500 in a calendar year|
|**Fuel surcharge to be waived only for transactions between values of Rs. 400 - Rs. 4000. Maximum Fuel surcharge waiver of Rs. 4500 in a calendar year|
|^^Criteria of True Optima Banking relationship: (1) Relationship Value of Rs. 30 lakhs with an average monthly balae (AMB) of over Rs. 1 lakh in savings or current account. (2) AMB of over Rs. 10 lakhs in savings account (3) AMB of over Rs. 15 lakhs in current account|
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