| Description |
Charges |
| Standard Joining Fee |
Rs.500
|
| Standard Annual Fee |
Rs.500
|
| Standard Add-on Card Joining Fee |
NIL |
| Standard Add-on Card Annual Fee |
NIL |
| Finance Charges (Retail Purchases & Cash) |
3.40% per month (49.36% per annum) |
| Cash Withdrawal Fees |
2.5% (minimum Rs. 500) of the Cash Amount |
| Fee for Cash Payment |
Rs. 175 |
| Card Replacement |
Nil |
| Overdue Penalty or Late Payment Fee |
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
An additional charge of Rs.100 will be applicable
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.
|
| Over Limit Penalty |
2.5% of the overlimit amount (Min. Rs 500) |
| Emergency Card Replacement Fee when overseas (through VISA) |
As per VISA Global Customer Assistance Services (GCAS). |
| Surcharge on purchase or cancellation of Railway Tickets |
As prescribed by IRCTC/Indian Railways
|
| Fuel Transaction Surcharge |
1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000) |
| Foreign Currency Transaction Fee | 3.50% of the transaction value |
| Mobile Alerts for Transactions | Waived |
| Hotlisting Charges | NIL |
| Balance Enquiry Charges | Waived |
| Cheque return or Dishonour
Fee or Auto debit Reversal |
2% of the payment amount, with a minimum
fee of INR 500 and no maximum cap on the fee. |
| Reward Redemption fee |
Yes |
| Rent Transaction fee |
1% on transaction will be applicable on each rental transaction done on MCC
6513 |
| Dynamic Currency Conversion Markup |
1.5% + taxes 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 |
