| Fees |
Charges |
| Joining fee |
Rs.749 |
| Annual fee |
2nd Year onwards:Rs.749 |
| 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 total payment due is less than Rs. 500
Rs. 500 if total payment due is between Rs. 501-Rs.5,000
Rs.750 if total payment due is between Rs. 5,001-Rs.10,000
Rs. 1200 if total 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 |
| GST |
As per Existing Government Norms |
| Rewards Redemption fee |
Yes |
| Rent Transaction fee |
1% Per transaction (Max Rs.1500).GST Applicable as notified by government of India. |
| Dynamic Currency Conversion markup |
1% of transaction amount + Taxes (applicable on international transactions performed in Indian currency at international location or transaction performed in indian with merchants located in indian but registerd in foreign nation. |