Fees & charges
|
|
| Joining Fee |
NIL |
| Annual Fee |
Waived subject to minimum transaction of Rs.20,000/- during the previous 12 months. |
| Add On Card Fee |
NIL.
Presently add-ons are allowed for cardholder's spouse, children, brothers, sisters and parents at lower |
| Min Expenses to Waive Annual Fees |
Rs 20000 |
| Credit Limit |
20 per cent of annual income minimum limit: Rs.15,000/- maximum Rs.50,000/-( (higher spending limits will be at the discretion of the Bank subject to proof of income) |
| Cash Advance Limit |
50.00% Cash Withdrawal limit 50 % of the credit limit Maximum Cash Rs.15,000/- per day |
| Cash Advance Transaction Fee |
2.5% on advance amount (subject to a minimum of Rs 50) for each transaction. Interest on dues/overdue |
| Penalty Interest Rate |
1.70 percent per month (APR: 22.45 % per annum on daily balances) |
| Late Payment |
late payment charges of Rs.100/- for minimum payment due exceeding Rs.1000/- in addition to finance charges |
| Free Credit Period |
Min.: 21 days Max.: 51 days |
| Limited Lost Card Liability |
Rs.1000/- from the date of notification to the Bank. |
| Over Limit Charges |
Rs. 100 for each transaction |
| Cheque Bounce Fee |
Min.: Rs 100 |
| Return of Cheque Fee |
Min.: Rs 100 |
| Duplicate Statement Request Charges |
Rs 50 |
| Replacement Card Charges |
Rs 100 |
| Charge Slip Request |
Rs. 100/- or actual whichever higher |
| Air/Railway Booking Comment |
Actual charges claimed by Railways / acquirer bank |
| Foreign Currency Transaction Charges |
2% |
| Service Tax |
12.36% |
|
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