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CREDIT CARD DETAIL Centurion Bank of Punjab Mircale Card Card Highlights Card Class Standard Card Type Classic Issuer Centurion Bank of Punjab Offered Type Visa Rewards Main Features By using this Card for normal spends, you accumulate Seva Points. The monetary worth of Seva Points gets collectively contributed to the 'Gift a Smile' program of The Art of Living. Each subscription facilitates you to make very nominal contribution of Rs. 50 while a matching contribution of Rs. 50 is made by Centurion Bank of Punjab. The entire Rs. 100 per Card goes to the ‘Gift a Smile’ program of AOL.  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 6 month Interest Rate 1.25% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 3 month Interest Rate 0% per month  Fees & charges   Fees & charges Joining Fee Free for Life Annual Fee Free for Life Cash Advance Transaction Fee 2.5% on advanced amount, subject to a minimum of Rs. 300. Finance charges on cash advances /extended credit 1.25% for the first six months and 3.15% after first six months Late Payment 30% of min. amount outstanding (subject to min. of Rs. 300 and max. of Rs. 600). Free Credit Period Min.: 22 days Max.: 52 days Limited Lost Card Liability Nil Over Limit Charges 5% on over limit amount (subject to min. of Rs. 300 and max. of Rs. 600). Outstation Cheque Processing Fee Rs 100 1% Non-Bank ATM Access / Balance Enquiry Charges Rs 30 Dial a Draft Fee 1% of the draft value amount subject to a minimum of Rs. 100 Duplicate Statement Request Charges Rs 100 Charge Slip Request Rs.100 Railway Booking Surcharge 2.5% Railway Booking Surcharge (Online) 1.8% Fuel Surcharge 2.5% Min.: Rs 10 Foreign Currency Transaction Charges 3.5% Service Tax 12.36%  Services & Features   Services & Features General Features: Photo Option No Add On Card No Internet Web Based Access Yes Coverage International Concierge Service No Invitation to Special Events No Road Assistance No Forex & Travel Cheque Services Yes Access to 24-Hour Customer Care Centre Yes Personal Loan Facility No EMI on Call Facility Yes Dial a Draft Facility Yes Rewards Programme No Global Emergency Assistance Service Yes No. of ATMs (Global) Accepted International Insurance: Hospitalization Benefits No  Terms & Conditions   Terms & Conditions Terms and Conditions Governing Credit Card Facilities Show All Credit Cards CARDS BY ISSUERS ABN AMRO American Express Andhra Bank AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Barclays Canara Bank Central Bank of India Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank Dhanlaxmi Bank HDFC Bank HSBC Bank ICICI Bank Indian Bank Indian Overseas Bank IndusInd Bank Jammu & Kashmir Bank Kotak Mahindra Bank Punjab National Bank Reliance Capital Ltd. Royal Bank of Scotland Standard Chartered Bank State Bank of India Syndicate Bank Union Bank of India United Bank of India Vijaya Bank COMPARE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   CALCULATE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   EDITORS' PICKS BPLR or Base rate?? Which is better…? Man caught for committing bank fraud Winning in Emerging Markets by Tarun... Investment options to Save Tax under... Tax saver fixed deposits in India earn you...