Fees & charges
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|
| Joining Fee |
Rs 500 |
| Annual Fee |
Rs 2000 |
| Add On Card Fee |
Free for Life
You can share these wonderful features with your loved ones too - we offer the facility of an add-on card for your spouse, children or parents. Allow us to offer add-on cards to you FREE OF COST with our compliments. |
| Cash Advance Limit |
40% of credit limit |
| Cash Advance Transaction Fee |
2.5% on amount withdrawn or Rs. 300/-, whichever is higher |
| Finance charges on cash advances /extended credit |
2.5% on amount withdrawn or Rs. 300/-, whichever is higher |
| Penalty Interest Rate |
Pay a minimum amount, which is 5% (subject to a minimum amount of Rs.200) of your total bill amount or any higher amount whichever is convenient and carry forward the balance to a better financial month. For this facility you pay a nominal charge of just 2.95% per month (35.4% annually).
w.e.f 25th May'08 |
| Late Payment |
Nil for Credit card bills upto Rs.100,
Rs.100 for credit card bills between Rs.100 and Rs.500,
Rs.350 for credit card bills between Rs.501 and Rs.10000,
Rs.500 for credit card bills between Rs.10001 and Rs.20000 and
Rs.600 for credit card bills above Rs.20000. |
| Free Credit Period |
Min.: 20 days Max.: 52 days |
| Minimum Amount Due |
5%, Minimum Rs 200 |
| Limited Lost Card Liability |
Zero liability on lost/stolen card (after reporting). |
| Over Limit Charges |
2.5% of overlimit amount subject to a minimum of Rs 500 |
| Cheque Bounce Fee |
2% of payment amount subject to minimum of Rs. 300 |
| Return of Cheque Fee |
2% of payment amount subject to minimum of Rs. 300 |
| Outstation Cheque Processing Fee |
Rs 100 |
| Replacement Card Charges |
Rs 100 |
| Charge Slip Request |
Rs. 125 per Chargeslip |
| Air/Railway Booking Comment |
Rs. 30 + 2.5% of transaction amount |
| Fuel Surcharge |
2.5% Min.: Rs 10 |
| Foreign Currency Transaction Charges |
3.5% |
| Service Tax |
12.36% |
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