CREDIT CARD DETAIL Standard Chartered RCI Gold Card Card Highlights Card Class Gold Card Type Premium Issuer Standard Chartered Bank Offered Type MasterCard Rewards Lifestyle Main Features The Standard Chartered RCI Gold Card is India's first leisure credit card exclusively for RCI members. It's your entry to fabulous holidays, great experiences and good times, for a lifetime. Two vouchers from RCI worth Rs.500/- each. Get both replenished annually, upon usage. (Each voucher is valid for only one transaction with RCI). Bank one week; take two weeks for the price of one, at select destinations in India, Thailand, Mexico and South East Florida. Complimentary Guest Certificate. A special waiver of the Guest Certificate fee of Rs. 1500/- for the RCI Gold Cardmembers Special Membership Renewal Offer. Membership renewal payable in monthly, interest-free installments 3 year renewal @ Rs. 7200 payable in 24 monthly installments at 0% interest 5 year renewal @ Rs. 10,300 payable in 24 monthly installments at 0% interest Free access to airport lounges at major Domestic and International airports, including a complimentary drink and a snack. Big discounts on domestic and international flights through the Travel Cash Back facility.  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 2.95% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 2.95% per month  Fees & charges   Fees & charges Joining Fee Low one-time enrollment fee of just Rs 1999 which is valid for 2 years, or Rs 2499 which is valid for 3 years. Cash Advance Limit 15% of credit limit for cardholders less than six months old, 40% of credit limit for cardholders more than six months old and 100% after 12 months depending on the payment behaviour. Cash Advance Transaction Fee ATM Withdrawl: 3% of the cash withdrawl amount subject to a minimum of Rs 300. For withdrawls 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.: 20 days Max.: 52 days Minimum Amount Due 5% 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 Max.: Rs 300 Return of Cheque Fee Max.: Rs 300 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% 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 For every Rs.125 spent on your Card in India or Rs. 80 spent on your Card abroad, you earn 1 Reward Pont. The number of points accumulated by you will be reflected in your monthly Card Statement. For more info. Click Here  Airline   Airline: Airport Lounge Access Yes Loss of Checked Baggage Cover Upto Rs 1200  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 Rs 150000 Other Accident Rs 150000 Supplementary Card members Other Accident Rs 500000 Purchase Protection Rs 40000 Hospitalization Benefits No  Special Offers   Special Offers 10% cash back on payments made on www.visabillpay.in/scb through a Standard Chartered Visa Card Credit Only. (The offer is valid from August 5 to September 30, 2007 (both dates inclusive)  Terms & Conditions   Terms & Conditions CardMember Rules and Regulations 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   EDITORS' PICKS ICICIs latest phishing warning email A chronicle of excesses by loan recovery... Complete guide to TDS on fixed deposits in... Reverse Mortgage in India: Your property... Your dream car - with good Car Loans from...