Fees & charges
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| Joining Fee |
Will be communicated at the time of issuing card |
| Annual Fee |
Will be communicated at the time of issuing card |
| Cash Advance Transaction Fee |
2.50 % on advanced amount, subject to minimum of Rs. 300 |
| Finance charges on cash advances /extended credit |
1.99% (Monthly), 23.88% (Annually) |
| Penalty Interest Rate |
3.40% p.m. (40.8% p.a.) |
| Late Payment |
30% of minimum amount due, subject to min. of Rs. 400 and max. of Rs. 600 |
| Free Credit Period |
Min.: 18 days Max.: 48 days |
| Over Limit Charges |
2.5% of over limit amount, subject to a minimum of Rs. 500 |
| Cheque Pickup Fee |
Rs 100 |
| Cheque Bounce Fee |
Rs. 250 |
| Return of Cheque Fee |
Rs. 250 |
| Outstation Cheque Processing Fee |
Rs 100 1% |
| Dial a Draft Fee |
3% of the draft value amount subject to a minimum of Rs.300 |
| Duplicate Statement Request Charges |
Rs. 100 |
| Replacement Card Charges |
Rs 100 |
| Charge Slip Request |
Rs. 100 |
| Railway Booking Surcharge |
2.5% |
| Railway Booking Surcharge (Online) |
1.8% |
| Air/Railway Booking Comment |
1.80% for Internet transactions and 2.5% for other bookings |
| Fuel Surcharge |
2.5% Min.: Rs 10 |
| Foreign Currency Transaction Charges |
3.50 |
| Service Tax |
10.3% |
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