| My Zone Credit Card |
Charges |
| Joining fee |
Rs.500 |
| Annual fee |
1st Year:NIL
2nd Year onwards:Rs.500 |
| Joining fee-Add-on Card |
NIL |
| Annual fee-Add-on Card |
NIL |
| 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 less than 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 greater than Rs. 10,000. |
| 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 |
Yes |
| GST |
As Per Existing Government Norms |
| Rent Transactions Fee |
1% of Transaction amount (MAX Rs.1500).GST as per exiciting government norms.Rent transactions are indentified through merchants category code 6513. |
| Dynamic Currency Conversion Markup |
1% of Transaction amount ,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 are Eligible for the charges. |