| Description |
Charges |
| Joining Fee |
Nil |
| Annual Fee |
Nil |
| Card Replacement fee |
NA |
| Cash Payment fee |
Rs. 100/- |
|
| Duplicate Statement Fee |
Waived |
| Charge slip retrieval fee or copy request fee |
Waived |
| Outstation cheque fee |
Waived |
| Mobile alerts for transactions |
Free |
| Balance enquiry charges |
Free |
| Finance Charges (Retail purchases and Cash) |
3.6% per month (52.86% per annum) |
| Cash Withdrawal Fee |
NA |
| Overdue penalty or Late payment fees |
Nil if total payment Due is up to Rs. 500
Rs. 500 if total payment due is between Rs. 501 - Rs. 5000
Rs. 750 if total payment due is between Rs. 5,001 - Rs. 10,000
Rs. 1200 if total payment due is Rs. 10,001 and above |
| Over limit penalty |
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 |
Nil if Reward Points redeemed is less than 300
Rs 49 if Reward Points redeemed is between 300 and 10,000
Rs 99 if Reward Points redeemed is greater than 10,000 |
| Rent Transaction fee (Applicable from 5th March 2023) |
1% capped at INR 1,500 per transaction on rental transactions |
| Dynamic Currency Conversion markup (Applicable from 5th March 2023) |
1% on international transaction performed in Indian currency at international location or transactions performed in Indian currency with merchants located in Indian but registered in foreign nation |
