Fees & charges
|
|
| Joining Fee |
Rs 500 |
| Annual Fee |
Rs 300 |
| Cash Advance Limit |
Up to 80% of Credit Limit subject to a max. of 12K per day. |
| Finance charges on cash advances /extended credit |
Upto 3.35% p.m.(40.2% p.a.) from the transaction date |
| Late Payment |
*NIL for Total Amount Due upto Rs. 500
*Rs. 200 for Total Amount Due from Rs. 501 - Rs. 1,000
*Rs. 350 for Total Amount Due from Rs. 1,001 - Rs. 5,000
*Rs 500 for Total Amount Due from Rs 5,001 - Rs 10,000
*Rs. 700 for Total Amount Due above Rs. 10,001 |
| Free Credit Period |
Min.: 20 days Max.: 50 days |
| Minimum Amount Due |
5% of outstanding balance or Rs. 200, whichever is higher |
| Limited Lost Card Liability |
Emergency Cash Disbursement US $175 per disbursement
Miscellaneous Customer Service Enquires US $5 per call |
| Over Limit Charges |
2.5% of overlimit amount or Rs. 500 whichever is higher |
| Cheque Pickup Fee |
Rs 55 |
| Cheque Bounce Fee |
2% of Cheque Amount (Min. Rs. 300 & Max Rs. 500) |
| Return of Cheque Fee |
2% of Cheque Amount (Min. Rs. 300 & Max Rs. 500) |
| Invalid Cheque Fee |
2% of Cheque Amount (Min. Rs. 300 & Max Rs. 500) |
| Non-Bank ATM Access / Balance Enquiry Charges |
SBI ATMs 2.5% or Rs. 250, whichever is higher
Other Domestic ATMs 2.5% or Rs. 250, whichever is higher
International ATMs 3% or Rs. 250, whichever is higher
ATM Decline Fee Rs. 20 |
| Dial a Draft Fee |
Min.: Rs 199 |
| Duplicate Statement Request Charges |
Rs 100 |
| Replacement Card Charges |
Rs 100 |
| Emergency Replacement(when overseas) |
Subject to actual cost (Minimum US $175) |
| Charge Slip Request |
Rs. 125 per charge slip |
| Air/Railway Booking Comment |
Rs. 30 + 2.5% of Transaction amount
Benefit from an exclusive 1.8% transaction charge waiver on your credit card transactions at www.irctc.co.in. |
| Fuel Surcharge |
2.5% |
| Foreign Currency Transaction Charges |
3.5% |
| Service Tax |
12.36% |
|
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