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CREDIT CARD DETAIL Air Sahara Standard Chartered Gold Card Card Highlights Card Class Gold Card Type Airline Issuer Standard Chartered Bank Offered Type Visa Rewards Airline Main Features Free ticket for your companion when you fly. Free tickets for your kids when you fly with your wife. Complimentary upgrades to business class. Automatic enrollment to Cosmos- Power Flier Program (in case not already a member). Cosmos miles even when you don't fly.  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 1 month Interest Rate 3.1% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 2.95% per month  Fees & charges   Fees & charges Annual Fee Annual Fee (Yr1) is Rs 3000 Renewal Fee (From Yr 2) is Rs 3000 Add On Card Fee Annual Fee for each Add-on card (no entrance) is Rs 1000 (Year 2 onwards) Cash Advance Transaction Fee ATM Withdrawal: 3% of the cash withdrawal amount subject to a minimum of Rs 300. For withdrawals using the teller facility at Banks Branches. an additional fee of Rs 500 will be levied. Late Payment Rs 350 for statement outstanding less than Rs.10,000 500 for statement outstanding between Rs.10,000 and 20,000 600 for statement outstanding greater than Rs.20,000 Late fee of Rs.100 will get debited over and above the late charges if the Minimum Amount Due is not received for two or more consecutive months. Free Credit Period Min.: 17 days Max.: 47 days Minimum Amount Due 5% of the billed value, unless there is a default on the payment. Limited Lost Card Liability Report the loss of your card to the Bank & you can avail of the Zero Lost Card Liability. Over Limit Charges Max.: Rs 500 Cheque Bounce Fee Rs 300/- per instance Return of Cheque Fee Rs 300/- per instance Outstation Cheque Processing Fee Rs 100 1% Non-Bank ATM Access / Balance Enquiry Charges Rs 100 or 1% of cheque value (if amount exceeds Rs 10,000) Dial a Draft Fee Out station Teledraft charges is Rs 100. Teledraft cancellation charges is Rs 50. Duplicate Statement Request Charges Rs 25 Replacement Card Charges Rs 100 Charge Slip Request Rs 100 Railway Booking Surcharge (Online) 2.5% Air/Railway Booking Comment Rs 25 or 2.5% of transaction (whichever is higher) on Railway transactions. Fuel Surcharge 2.5% Min.: Rs 10 Foreign Currency Transaction Charges All Non- Indian rupees transactions are converted into Indian Rupees at a rate advised by the franchise (Visa / Master). The bank charges an extra 2.5% on the transaction and an additional 1% markup is charged towards reimbursement to the franchise Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits Every Rs. 125/- spend on this card earns the holder 1.5 Cosmos miles every purchase made on Air Sahara Standard Chartered Gold card earns the card holder miles from our Cosmos-frequent flier program.  Airline   Airline: Airport Lounge Access Yes Check in at Business class counters Yes Excess Baggage Allowance Allowance: 10 kgs of excess baggage allowance. Upgrade Vouchers 3 upgrade vouchers entitling the card holder for 3 upgrades to business class per year, besides upgrade voucher benefits under Cosmos programme. Airline Travel Benefits One free ticket for accompanying companion per year OR two free tickets per year for accompanying children up to 12 years - when you fly with your spouse. Avail 5% discount throughout the year on all Air Sahara tickets purchased from our city and airport counters. Delay in Receipt of Checked Baggage Max: USD 300 p.a. if the baggage is not received within 3 hrs (Intl) and within 6 hrs (domestic) of flight arrival. Loss of Checked Baggage Cover Upto Max: USD 1500 p.a. if the baggage is not received within 48 hrs of arrival. Comment (on Airport Lounge Access) Each card holder flying with us is entitled for access to our exclusive airport lounges.  Services & Features   Services & Features General Features: Photo Option Yes Add On Card Yes Internet Web Based Access Yes Coverage International Concierge Service No Invitation to Special Events No Road Assistance No Forex & Travel Cheque Services No Access to 24-Hour Customer Care Centre Yes Personal Loan Facility No EMI on Call Facility No Dial a Draft Facility Yes Rewards Programme Yes Global Emergency Assistance Service Yes No. of ATMs (Global) 850,000 ATMs worldwide No. of ATMs (India) 6500 ATMs across India Insurance: Air Accident upto INR 30, 00,000 Other Accident upto INR 3, 00,000 Purchase Protection Anything purchased on this card, in India or abroad, will be protected against fire and theft, by this unique purchase protection program for a period of 180 days from the date of purchase, upto a sum of INR 50,000 Hospitalization Benefits No  Terms & Conditions   Terms & Conditions Most Important Terms and Conditions 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 HDFC Bank HSBC Bank ICICI Bank Indian Bank Indian Overseas Bank Jammu & Kashmir Bank Kotak PNB Reliance Capital Ltd. Standard Chartered Bank State Bank of India Syndicate Bank Union 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 For what purpose do you want to invest in... Credit card finance charges in India: A... Personal Loan Vs. Cash advance from credit... Planning to invest in a bank FD? Think again Factors affecting eligibility for home loans