| Joining Fee |
One time fees of Rs. 499 |
| 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. |
| Penalty Interest Rate |
Low interest rate of 2% per month |
| 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 |
| 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 |
Rs 500/- per instance. |
| 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/- per statement (if it is more than 3 months old). |
| Replacement Card Charges |
Rs 100 |
| Charge Slip Request |
Rs 100/- per instance. |
| 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 Conversion Charges |
Rs 10 or 2.5% of transactions (whichever is higher). |
| 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% |
