| Description |
Charges |
| Joining fee |
Rs. 500 |
| Annual Fee |
2nd year Onwards: Rs. 500
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 |
| Add-on card joining fee |
Nil |
| Add-on card annual fee |
Nil |
| Card replacement fee (w.e.f 10/10/20) |
Rs.100 |
| 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 |
| Hotlisting charges |
Nil |
| Balance enquiry charges |
Waived |
| Finance charges (Retail purchases and cash) |
3.6% per month (52.86% per annum) |
| Cash withdrawal fees |
2.5% (Min. Rs. 500) of the cash amount |
| 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 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 |
| Surcharge on purchase or cancellation of railway tickets |
As prescribed by IRCTC/Indian Railways |
| Foreign currency transaction fee |
3.5% of the transaction value |
| 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 |
