| Description |
Charges |
| Joining fee |
Rs.499
0(for selected channels) |
| Annual fee |
2nd year onwards:Rs.499 Annual fee waived off on annual spends greater than Rs.2,00,000/-{Rent Transaction (MCC 6513) and wallet load transactions(MCC 6540) will not be eligible for spends counted in availing annual fee waiver}. |
| Card replacement fee |
Nil |
| Card Payment fee |
Rs. 100 |
| Duplicate statement fee |
Waived |
| Charge slip retrieval fee or copy request fee |
Waived |
| Outstation cheque fee |
Waived |
| Mobile Alerts for Transactions |
Free |
| Hotlisting Charges |
NIL |
| Balance enquiry charges |
Waived |
| Finance charges(Retail purchases and cash) |
3.6% Per Month (52.86% Per Annum) |
| Cash withdrawal fees |
Min. Rs. 500 upto 2.5% of the cash withdrawl amount. |
| Late Payment Fees |
Nil if totel payment due is upto Rs. 500
Rs. 500 if totel payment due is between Rs. 501-Rs.5,000
Rs.750 if totel payment due is between Rs. 5,001-Rs.10,000
Rs. 1200 if totel payment due is Rs. 10,001 and above. |
| Over limit penalty |
Mini Rs.500 upto 2.5% of the over limit amount |
| Cheque return or dishonor fees or auto-debit reversal |
2% of the payment amount subject to Min. Rs. 450,Max. Rs. 1500 |
| Surcharge on purchase or cancellation of railway tickets |
As prescribed by IRCTC/Indian Railways |
| Foreign currency transaction fee |
3.5% of the transaction value |
| Rewards Redemption fee |
No |
| Rent Transactions Fee |
1% capped at INR 1,500 Per transaction on rental transactions. |
| Dynamic Currency Conversion markup |
1% of international transaction performed in indian currency at international location or transactions performed in indian currency with merchants located in indian but registerd in foreign nations. |