| Fees |
Charges |
| Joining fee |
Rs.1000 |
| 2nd Year onwards |
Rs.1000 Annual fee Waived off on annual spends of Rs.2,00,000 and above . Rent Transactions(MCC 6513) and wallet load transactions(MCC 6540) will not be eligible for spends counted in availing annual fee waiver |
| 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 |
Waived |
| 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 outstanding amount is less than Rs. 500
Rs. 500 if outstanding amount is between Rs. 501-Rs.5,000
Rs.750 if outstanding amount is between Rs. 5,001-Rs.10,000
Rs. 1000 if outstanding amount is greater than Rs. 10,001 |
| 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 |
| Fuel Transactions surcharge |
1% Transaction amount (refunded for fuel transactions between Rs.400 and Rs.5000). |