| Description |
Charges |
| Joining fee |
Nil |
| Annual fee |
Nil |
| Add-on Card Joining fee |
NIL |
| Add-on Card Annual fee |
NIL |
| Card replacement fee |
Nil |
| Cash payment Fees |
Rs.100 |
| Duplicate statement fee |
Waived |
| 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. |
| 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. |
| Over limit penalty |
Mini Rs.500 upto 2.5% of the over limit amount. |
| Charge slip retrieval fee or copy request fee |
Waived |
| Outstation cheque fee |
Waived |
| 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. |
| Fuel transaction surcharge |
1% of transaction amount (Refunded for fuel transactions between Rs.400 and Rs.4000.Maximum benefits upto Rs.400 per month) |
| Foreign currency transaction fee |
3.5% of the transaction value. |
| Dynamic Currency Conversion markup |
1% on international transaction performed in indian currency at international location or transactions performed in indian currency with merchants located in indian but registerd in foreign nation Websites. |
| Mobile Alerts for Transactions |
Free |
| Hotlisting Charges |
Nil |
| Balance enquiry charges |
Waived |
| Rewards Redemption fee |
No |
| GST |
As per existing Government norms |
| Rewards Transaction fee |
1% capped at INR 1,500 Per transaction on rental transactions. |