Fees and Charges

Fees & Charges

Fee & other Parameters	Zen
Joining Fees	Rs. 1500
Annual Fees	Rs. 1500
Condition for waiver of Joining Fees	NA
Condition for waiver of Annual Fees - First Year	Annual retail Spends of Rs 1.5lac
Condition for waiver of Annual Fees - Second Year	Annual retail Spends of Rs 1.5lac
Addon card Fees	Rs.299
Interest Charges on outstanding Balances	3.4% (Annualized 40.8%)
Interest Charges on outstanding Balances	3.4% (Annualized 40.8%)
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 Withdrawal/ Call a draft/ Fund Transfer/ Cash Advance per Rs. 10,000 or part thereof	Rs. 300
Late Payment Charges ("LPC")	Rs. 100 for statement o/s less than or equal to Rs. 500.
	Rs. 500 for statement o/s between Rs. 500.01 to Rs. 10,000
	Rs. 700 for statement o/s greater than Rs. 10,000
Over Limit Charge	Rs. 500
Cheque Bounce Charges	Rs. 500
Foreign Currency Mark Up	3.5%
Railway Booking Surcharge (1.8%/2.5% on transaction amount)*	Waived
Fuel Surcharge (1% on transaction)**	Waived
Fee for Cash payment at Bank	Rs. 100
Outstation Cheque Processing Fee	Waived
Reissue/ Replacement Card (per issunace)	100.0
Charge Slip Request	Waived
Machine Surcharge at ATMs	Waived
Balance Enquiry Charges at Non Parent Bank ATM	Waived
Duplicate Statement Request	Waived
Web Pay Service Fee	Waived
Furnishing a copy of Credit Information Report (CIBIL)	Rs. 50