| Joining Fee |
Rs.350 |
| Annual Fee |
1st year : NIL
2nd year : Rs.350
Annual Fee waived off on annual spends greater than Rs.50,000
Rent transactions ( MCC 6513 ) and wallet load transactions ( MCC 6540 ) will not be eligible for spends counted in availing annual fee waiver
|
| Card Replacement fee (w.e.f 10/10/20) |
Nil |
| Cash Payment fee |
Rs.100 |
| Duplicate Statement Fee |
Waived |
| Charge slip retrieval fee or copy request fee |
Waived |
| Outstation cheque fee |
Waived |
| Finance Charges (Retail purchases and Cash) |
3.6% per month (52.86% per annum) |
| Overdue Penalty or 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
|
| Over-limit Fees |
2.5% of the over limit amount (Min Rs. 500) |
| Cheque return or dishonor fee or auto-debit reversal |
2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,500 |
| Surcharge on purchase or cancellation of railway tickets |
As prescribed by IRCTC/Indian Railways |
| Foreign currency transaction fee |
3.5% of the transaction value |
| Reward Redemption fee |
No |
| Rent Transaction fee |
1% (Max INR 1500) on each rental transaction |
| Dynamic Currency Conversion markup |
1% plus taxes will be applicable for each International
transaction performed in Indian currency at International location or
transactions performed in Indian currency with merchants located in India but registered in foreign nation. |
