Fees & charges
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| Joining Fee |
Rs 4995 |
| Annual Fee |
For 1 Year - Rs 6000
Renewal Fees (2 Years onwards) - Rs 6000 |
| Add On Card Fee |
For 1 Year Nil
2 Years onwards Nil |
| Cash Advance Transaction Fee |
ATM withdrawal : 3% of the cash withdrawal amount subject to a minimum of Rs 300/-
For using the teller facility of bank branches, an additional fee of Rs 500/- will be levied. |
| Penalty Interest Rate |
3.1% p.m. (Annualized percentage rate of 37.20%). |
| Late Payment |
Rs 100 for statement outstanding less than Rs 1000.
Rs 200 for statement outstanding between Rs 1000 and Rs 2000.
Rs 350 for statement outstanding between Rs 2000 and Rs Rs 5000.
Rs 500 for statement outstanding between Rs 5000 and Rs 10000.
Rs 600 for statement outstanding greater than Rs 10000. |
| Free Credit Period |
21 days in case the 22nd day is Sunday. |
| Minimum Amount Due |
(a) 5% of statement outstanding
(b) sum total of all installments billed, interest, fees, other charges, amount that is over the limit and 1% of the principal
(c) Rs 250 |
| Over Limit Charges |
Rs 500 per instance |
| Cheque Bounce Fee |
Rs 350 per cheque |
| Return of Cheque Fee |
Rs 350 per cheque |
| Outstation Cheque Processing Fee |
Rs 100 1% |
| Duplicate Statement Request Charges |
Rs 125 per statement |
| Replacement Card Charges |
Rs 100 |
| Charge Slip Request |
Rs 100 per instance |
| Air/Railway Booking Comment |
Railway transactions: Rs 25/- or 2.5% of transaction (whichever is higher) |
| Fuel Surcharge |
2.5% Min.: Rs 10 |
| Foreign Currency Transaction Charges |
3.5% |
| Service Tax |
10.3% |
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