| Description |
Charges |
| Joining Fee - Primary Card |
Rs.500/- |
| Joining fee – Add-on Card |
Waived |
| Annual fee – Primary Card |
Annual Fee: 500 2nd year onward
Annual fee waived off on annual spends greater than Rs.
2,00,000/- {Rent transactions ( MCC 6513 ) and wallet load
transactions ( MCC 6540 ) will not be eligible for spends
counted in availing annual fee waiver}
|
| Annual fee – Add-on Card |
Waived |
| Card replacement fee – Primary Card |
Nil |
| Card replacement fee – Add-on Card |
Rs.100/- |
| Cash Payment fee |
Rs.175/- |
| Duplicate Statement Fee |
Waived |
| Charge slip retrieval fee or Copy request fee |
Waived |
| Mini statement SMS |
Waived |
| Outstation cheque fee |
Waived |
| Transaction Alert SMS |
Free
|
| Balance enquiry charges |
Waived |
| Finance Charges (Retail purchases and Cash) | 3.75% per month (55.55% per annum) |
| Late payment fees |
Nil if Total Payment Due is less than Rs. 500
Rs. 500 if total payment due is between Rs. 501 - Rs. 5,000
Rs. 750 if total payment due is between Rs. 5,001 - Rs. 10,000
Rs. 1200 if total payment due is greater than Rs.10,000
Additional INR 100 on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be applicable for every payment cycle until the MAD is cleared.
|
| Cash Withdrawal Fee | Min. Rs. 500 up to 2.5% of the cash withdrawal amount |
|---|
| Over limit Fees | Min. Rs. 500 up to 2.5% of the over limit amount |
| Surcharge on purchase or cancellation of Railway Tickets | As prescribed by IRCTC/Indian Railways |
| Cheque return or dishonor fee or auto-debit reversal |
2% of the payment amount subject to Min. INR 500.
|
| Foreign currency transaction fee | 3.50% of the transaction value |
| Reward Redemption fee |
No |
| Rent Transaction fee
|
1% fee per transaction will be applicable on rental transactions. GST will be applicable as notified by |
| Dynamic Currency Conversion markup |
1.5% will be applicable on each International transaction performed in Indian currency at International location or transactions performed in Indian currency with merchants located in Indian but registered in a foreign nation |
| Wallet load transaction fee
(Applicable from 20th Dec, 2024) |
1% fee will be applicable for cumulative spends of INR 10,000 or more for wallet loads per statement cycle
|
| Fuel Transaction fee
(Applicable from 20th Dec, 2024) |
1% fee will be applicable for cumulative spends of INR 50,000 or more on per statement cycle.
|
| Education Transaction fee
(Applicable from 20th Dec, 2024) |
1% fee per transaction will be applicable on education payments made via third party apps
|
| Utility Transaction fee
(Applicable from 20th Dec, 2024) |
1% fee will be applicable for cumulative spends of INR 25,000 or more on utilities per statement cycle
|
| Online skill-based gaming fee
(Applicable from 20th Dec, 2024) |
1% fee will be applicable for cumulative spends of INR 10,000 or more on online skill-based gaming platforms per statement cycle
|
