| Joinig Fees
|
Nil
|
Nil
|
| Annual Fees
|
2500^
|
Nil
|
| 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
|
| Fuel Surcharge**
|
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
|
| Please 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 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
|
