CREDIT CARD DETAIL Syndicate Gold Global Credit Card Card Highlights Card Class Gold Card Type Premium Issuer Syndicate Bank Offered Type Visa Rewards Main Features Cards are issued in two variants (Classic Card & Gold Card) with Photo & Signature of the Cardholder. Cash withdrawal facility (25% for Gold Cards ) through our Bank’s ATMs at concessional charges. Revolving Credit facility with Minimum Payment of 10% of Total Payment Due  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 1.7% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 0% per month  Fees & charges   Fees & charges Joining Fee Rs 500 Annual Fee Rs 500. Cards are issued for three years but renewal fee is levied every year in advance in the anniversary month of issue, wherever applicable. Add On Card Fee No joining fee. Annual/ Renewal fee Rs 250. Add on Cards for immediate family members Late Payment Late Payment Fee if MPD is not paid by PDD Rs.100/- for each month Free Credit Period Min.: 20 days Max.: 50 days Limited Lost Card Liability Lost Card liability limited to Rs.1,000/- after notifying loss to Bank. Over Limit Charges Rs.100/- for each occasion Cheque Bounce Fee Min.: Rs 100 Return of Cheque Fee Min.: Rs 100 Duplicate Statement Request Charges Rs 50 Replacement Card Charges Rs 100 Charge Slip Request Rs.100/- or the actual charges, whichever is higher Fuel Surcharge 2.5% Min.: Rs 10 Foreign Currency Transaction Charges 2% Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits 1 point for every Rs. 200 spend with the Card. b. Encashment in multiples of 500 points, subject to a minimum of 500 points. The amount @Rs.0.50 per reward point would be credited to Credit Card account of the applicant. TDS applicable, if any at the time of redemption, would be effected.  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 No Rewards Programme Yes Global Emergency Assistance Service Yes No. of ATMs (Global) 10,00,000 (ten lakhs) ATMs No. of ATMs (India) 16,000 ATMs Insurance: Hospitalization Benefits No  Eligibility Criteria   Eligibility Criteria Be the resident of / working within operational area of the Card Issuing Branch. Not be a minor or an illiterate person. Preferably be customer of our Bank having satisfactory operations in the account with branch for at least 3 months. Have Permanent Account Number (PAN) issued by Income Tax Department.  Salaried   Salaried: Annual Income Rs 150000.00 Age Min.: 21 Yrs.   Max.: 60 Yrs. Documents Required Proof of Residence. Copy of the PAN Card issued by the Income Tax Department. Multi National Company & Consultancy, Govt. Depts. / Public Sectors, Listed Company, Pvt. Ltd. Co./ Proprietorship/Partnership Concerns - Salary Slip (Latest month), Computerized Pay Slip (Latest month), Salary Certificate (Format in Application), Form 16 (Last Financial Year), I T Return Ack. Form (Last Financial Year).  Self Employed   Self Employed: Annual Income Rs 200000.00 Age Min.: 21 Yrs.   Max.: 65 Yrs. Documents Required Proof of Residence. Copy of the PAN Card issued by the Income Tax Department. Proprietors / Partnerships- I T Return, Form No. 10 CCAC (Export Units) Qualified Professionals - I T Return Agents / Contractors - I T Return, Form 16 A 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 Your dream car - with good Car Loans from... Complete guide to education loans in India The best education loan from banks in... Insider secrets of Car Loans in India Is the economy facing a debt trap?