| Standard Joining Fee | Rs. 1,500
| Rs. 3,000
| Rs. 10,000 |
|---|
| Standard Annual Fee (2nd year onwards) | Rs. 1,500 | Rs. 3,000 | Rs. 10,000 |
|---|
| Standard Add-on Card Joining Fee | Nil | Nil | Nil |
|---|
| Standard Add-on Card Annual Fee | Nil | Nil | Nil |
|---|
| Finance Charges (Retail Purchases & Cash) | 3.6% per month (52.86% per annum) | 3.6% per month (52.86% per annum) | 3.6% per month (52.86% per annum) |
|---|
| Cash Withdrawal Fees
| 2.5% (Min. INR 500) of the Cash Amount
| 2.5% (Min. INR 500) of the Cash Amount | 2.5% (Min. INR 500) of the Cash Amount |
|---|
| Fee for Cash Payment | Rs 100/- | Rs 100/- | Rs 100/- |
|---|
| Card Replacement
| Nil | Nil | Nil |
|---|
| Duplicate Statement Fee | Waived | Waived | Waived |
|---|
| Overdue Penalty or Late Payment Fee
| Nil if Total Payment Due is less than Rs. 500
| Nil if Total Payment Due is less than Rs. 500 | Nil if Total Payment Due is less than Rs. 500 |
|---|
| Rs. 500 if total payment due is between Rs. 501 - Rs. 5,000 | Rs. 500 if total payment due is between Rs. 501 - Rs. 5,000 | 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. 750 if total payment due is between Rs. 5,001 - Rs. 10,000 | 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 | Rs. 1200 if total payment due is greater than Rs.10,000 | Rs. 1200 if total payment due is greater than Rs.10,000 |
| Over Limit Penalty | 2.5% of the over limit amount (Min. Rs. 500) | 2.5% of the over limit amount (Min. Rs. 500) | 2.5% of the over limit amount (Min. Rs. 500) |
|---|
| Chargeslip Retrieval Fee or Copy Request Fee | Waived | Waived | Waived |
|---|
| Outstation Cheque Fee | Waived | Waived | Waived |
|---|
| Cheque return or dishonour Fee or Auto-debit ReveINRal | 2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,512 | 2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,512 | 2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,512 |
|---|
| Surcharge on purchase or cancellation of Railway Tickets | As prescribed by IRCTC/Indian Railways | As prescribed by IRCTC/Indian Railways | As prescribed by IRCTC/Indian Railways |
|---|
| Fuel Transaction Surcharge | 1% of transaction amount | 1% of transaction amount | 1% of transaction amount (Refunded for fuel transactions between INR 400 and INR 4000) |
|---|
| Foreign Currency Transaction Fee | 3.50% of the transaction value | 3.50% of the transaction value | 3.50% of the transaction value |
|---|
| Mobile Alerts for Transactions | Waived | Waived | Waived |
|---|
| Hotlisting Charges | Waived | Waived | Waived |
|---|
| Balance Enquiry Charges | Waived | Waived | Waived |
|---|
| Reward Redemption fee | No | No | No |
|---|
| Rent Transaction Fee (Applicable from 5th March 2023) | 1% capped at INR 1,500 per transaction on rental transactions
| 1% capped at INR 1,500 per transaction on rental transactions
| 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 | 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 | 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 |
|---|
Get 4% value back on fuel spends at IndianOil outlets
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