Fees & charges
|
|
| Joining Fee |
Free for life |
| Annual Fee |
Free for life |
| Cash Advance Transaction Fee |
2.50% on advanced amount, subject to a minimum of Rs. 300 |
| Finance charges on cash advances /extended credit |
3.15% (monthly),45.09%(Annually) w.e.f March 1st 2008 |
| Penalty Interest Rate |
In case of default, Interest Charges may increase up to a maximum of 3.40% p.m. (49.36% annualized) |
| Late Payment |
30% of minimum amount due, subject to min. of Rs. 400 and max. of Rs. 600 |
| Free Credit Period |
18-48 days (applicable only on retail purchases and if previous month's balance outstanding is paid in full) |
| Minimum Amount Due |
Rs 1000 |
| Limited Lost Card Liability |
Limited Lost Card Liability (After reporting) upto Rs 50000 |
| 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 |
As may be applicable from time to time, presently @ 10.30%(Applicable on all fees, interest and other charges only) |
|
Twitter